Exhibit 99.2 Schedule 3

 

Redacted ID Loan Number 1 Loan Number 2 Borrower Last Name Exception ID Client Project Pool Fund Loan Review Status Property State Original Loan Amount Finding Category Finding Sub-Category FindingStatus Finding Grade Finding Description Finding Comment Lender Response Lender Status
74255185 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject appraised value $xx but property under contract for $xx. No reasons provided. Appraisal states subject was arms length transaction. Mortgage $xx.    
74255185 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
74255185 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 does not reflect Points - Loan Discount fee. However, CD dated xx/xx/2020 reflects Points - Loan Discount fee at $420.00. This is an increase in fee of $420.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.

Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 does not reflect Survey fee. However, CD dated xx/xx/2020 reflects Survey fee at $200.00. This is an increase in fee of $200.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.		    
74255185 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete Michigan $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Tape shows subject property style is unique home not supported by the design style of the comparable used. Subject design style is contemporary Comp 1,2 and 3 are dissimilar design styles are contemporary, ranch and cape cod respectively. Elevated for client review.    
27212908 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the borrower’s income is $xx and total expenses are in the amount of $xx and the loan was underwritten by DU xx and its recommendation is “Approve/Eligible” with a DTI of xx.    
27212908 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure is not hand signed and hand dated by borrower.    
27212908 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed lender credits charges that cannot decrease test. Revised LE dated xx/xx/2021 reflects non-specific lender credit at $549.00. However, final CD dated xx/xx/2021 does not reflect non-specific lender credit. This is decrease of $549.00 for charges that cannot decrease. Valid COC for the decrease in NSLC is missing from the loan documents.    
27212908 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) PIW is missing from the loan documents.    
27212908 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape reflects the during origination, the original loan closing date was entered incorrectly. We closed this Refi loan less than 12 months since the prior loan. Because this is a xx product requirement, we are unable to obtain an exception to deliver this loan.    
64897062 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $2,778.12 and the loan was underwritten by LP xx and its recommendation is “Accept” with a DTI of xx%.    
64897062 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan closed with xx% LTV/CLTV. Tape shows due to overlying xx% loan is not acceptable.    
85869882 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TRID Total of Payments disclosed on Final CD as $961,769.99. Calculated total of Payments as $961,912.34 for an under disclosed amount of -$142.35.

Subject loan is a purchase, originated on xx/xx/2020 and the SOL is 1 year.		    
85869882 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement document is missing from loan file.    
85869882 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows greater than xx% LTV overlay that not accepting those loans.    
9708664 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by borrower is missing from loan documents.    
9708664 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows greater than xx% LTV overlay that not accepted.    
49170931 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from the loan documents.    
49170931 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing proof of hazard insurance (Lvl 2) Hazard insurance policy is missing from the loan documents.    
49170931 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot decrease test. Initial LE dated xx/xx/2021 reflects non-specific lender credit at $1,399.00. However, post CD dated xx/xx/2021 reflects non-specific lender credit at $253.49. This is decrease of $1,145.51 for charges that cannot decrease. Valid COC for the decrease in fee is missing from the loan documents.    
49170931 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by borrower is missing from loan documents.    
49170931 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape reflects the following issue, "Uninsured FHA loan”. As per FHA guidelines required that the borrower waits 6 months to complete another refinances. The first payment date of prior case per FHA: xx/xx/2020 - 6 mos would be xx/xx/2021, case number was assigned on xx/xx/2021 which is 2 weeks short of 6 mos. In this loan, the waiting period is not satisfied.    
53481182 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Missouri $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows VA seasoning not met.    
53481182 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Missouri $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
73634293 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
73634293 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan closed with an exterior only. Tape shows full appraisal is needed and borrower will not let anyone in to take pictures due to COVID, doesn’t want to inconvenience his tenants.    
63682299 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file .    
63682299 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows client was late in making their December payment loan cannot be securitized.    
63682299 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership counseling disclosure is missing from loan documents.    
63682299 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Settlement services provider list is missing from the loan documents.    
63682299 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to decrease in lender credit on closing disclosure dated xx/xx/2021. Initial LE dated xx/xx/2021 reflects lender credit at $1,091. However, Final CD dated xx/xx/2021 reflects lender credit at $0.00 this is decrease of $1,091.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.    
21849026 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflects Points - Loan Discount Fee at $8,410.00. However, CD dated xx/xx/2021 reflects Loan Discount Fee at $11,902.00. This is an increase in fee of $3,492.00 for charges that cannot increase.

Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2021 reflects the Recording fee at $225.00. However, CD dated xx/xx/2021 reflects the Recording fee at $300.00. This is a cumulative increase of $75.00 for charges that in total cannot increase more than 10% test.		    
21849026 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $3,538.05 and the loan was underwritten by AUS/DU xx and its recommendation is “Approve/Eligible” with xx%.    
21849026 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order
to correctly perform reimbursement calculations.

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.		    
21849026 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan is uninsurable due to the loan was funded with incorrect property type on FHA case assignment. The case was canceled and a new case was ordered but the appraiser would not correct the appraisal as it was a transferred appraisal.    
21849026 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) This is an FHA loan which was originated on xx/xx/2021. However, the mortgage insurance certificate is missing from the loan documents.    
21849026 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
64425223 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
64425223 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows Client missed first 2 payment and was reported delinquent to the credit bureaus.    
7015612 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Tape shows subject property is a condotel. Subject is a unit at the xx project with commercial amenities. Elevated for client review because not a standard second home type of property.    
7015612 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement signed by borrower's is missing from loan documents.    
36422115 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Subject loan closed without an appraisal. However, PIW disclosure signed by the borrower is missing from the loan documents.    
36422115 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard insurance policy is missing from the loan file.    
36422115 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
52325268 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $1,968.73 and the loan was underwritten by AUS/DU xx and its recommendation is “Accept” with xx%.    
52325268 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
52325268 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2020 delivered on xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.    
52325268 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows income miscalculation with borrowers variable and OT income. Recalculated income using YTD pushes DTI higher. Unable to rely on docs in file and unable to calc ATR.    
52325268 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID tolerance test is incomplete due to initial CD is missing from loan documents.    
52325268 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Nevada $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Subject loan closed without an appraisal. However, PIW disclosure signed by the borrower is missing from the loan documents.    
70696470 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
70696470 xx xx xx 3e7649ea-d4a6-431b-bedf-93e8df994bff 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
70696470 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Subject closed without an appraisal. However, PIW signed by the borrower is missing from the loan documents.    
70696470 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows Condo is ineligible due to mandatory membership fees to facilities are not owned by HOA. No further details are available.    
15065284 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure signed by borrower is missing from the loan documents.    
15065284 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Washington $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Subject loan closed without an appraisal. However, PIW disclosure signed by the borrower is missing from the loan documents.    
15065284 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows client has been reported as delinquent for not making their 12/1 payment on time. However, loan cannot be securitized.    
25856087 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows that leasehold property with appraisal waiver is not allowed by FNMA.    
25856087 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Maryland $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report prior to closing is missing from the loan documents. However, appraisal report after note date is located at"xx".    
25856087 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
25856087 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate.    
25856087 xx xx xx 30f5ee14-9cca-47bb-8ed2-40f698aea049 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Credit Active 4: Unacceptable * Type of Ownership is Leasehold Or Cooperative (Lvl 4) As per final title policy is located at xx the subject property type is leasehold and the ground lease analysis is located atxx. Subject loan falls within the lease term which is xx/xx/1973 to 2072.    
98401624 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
98401624 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Indiana $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows subject loan close with no appraisal; however, PIW lost at the time of closing and loan amount was increased by $600.00.    
14921614 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) AUS required Interior and exterior inspection of the property; however, only exterior inspection was done on the property.    
14921614 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller tape issue shows investor required trust document unable to obtain and borrower unwilling to provide a copy.    
14921614 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account disclosure signed by borrower is missing from loan documents. In this loan file shows initial account disclosure xx xx but signed borrower sign is missing.    
52115916 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal summary is missing from the loan documents.    
52115916 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows DTI xx% which would invalidate AUS in file. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
52115916 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report prior to closing is missing from the loan document, however appraisal report is available at #xxSPRINGSTUBE which is after note date.    
52115916 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $xx and total expenses are in the amount of $2,456.49 and the loan was underwritten by LP xx and its recommendation is accept with a DTI of xx%.    
52115916 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to Fees charged $11,927.60 Exceeds Fees threshold of $8,030.02 over by +$3,897.58
 The below fees were included in the test
 Mortgage Broker Fee (Indirect) $7,155.75
Points - Loan Discount Fee paid by Borrower: $3,821.85
Underwriting Fee paid by Borrower: $950.00		    
52115916 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape data shows defect that TLTV over FHLMC guides. Subject loan CLTV is at xx%.    
52115916 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
52115916 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $11,927.60 exceeds fees threshold of $8,030.02 Over by +$3,897.58.

The below fees were included in the test:

Mortgage Broker Fee (Indirect) $7,155.75
Points - Loan Discount Fee paid by Borrower: $3,821.85
Underwriting Fee paid by Borrower: $950.00		    
89221842 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is  $xx and total expenses are in the amount of $,4,565.49 and the loan was underwritten by DU xx and its recommendation is “Approve/Eligible” with a DTI of xx%.    
89221842 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape shows DTI xx% which would invalidate AUS in file. Further details not provided. Unable to rely on documents in file and unable to calculate ATR.    
89221842 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails qualified mortgage lending policy points and fees test due to fees charged $21,090.97. Exceeds fees threshold of $14.694.25. Over by +$6,396.72.
The below fees were included in the test:
Mortgage Broker Fee (Indirect) $13,747.25
Points - Loan Discount Fee paid by Borrower: $6,393.72
Underwriting Fee paid by Borrower: $950.00		    
89221842 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $21,090.97. Exceeds fees threshold of $14,694.25. Over by +$6,396.72.
The below fees were included in the test:
Mortgage Broker Fee (Indirect) $13,747.25
Points - Loan Discount Fee paid by Borrower: $6,393.72
Underwriting Fee paid by Borrower: $950.00		    
89221842 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
25448591 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges than in total cannot increase more than 10% tolerance test. Initial loan estimate dated xx/xx/2021 reflects the sum of Section C fees and recording fee at $1,031.00. However, final closing disclosure dated xx/xx/2021 reflects the sum of Section C and recording fee at $1,195.00. This is a cumulative increase of +$164.00 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.    
25448591 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows exterior only appraisal was delivered to the investor which was not qualified. However, investor bought back the property from agency before it was discovered that there was an interior/exterior appraisal to satisfy. Also the loan is compliant other than seasoned note.    
69669722 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows Greater than xx% LTV overlay that not accepting those loans.    
38522394 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the pennsylvania license validation test due to the pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November 5th, 2008.    
38522394 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
38522394 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows investor sited discrepancy in borrower signature between note and mortgage. No material differences noted in signatures based on review of file.    
74515273 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure is missing from the loan documents.    
74515273 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows the defect is the appraisal. The appraiser provided a form 2055 without the interior inspection component which was allowed by temporary COVID guidelines, however they failed to provide the required supporting information for their assessment of the interior condition of the property.    
68035615 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $3,943.21 and the loan was underwritten by DU xxand its recommendation is Approve/Eligible with a DTI of xx%.    
68035615 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan approved at xx%. Tape shows rental income of subject OO was used to qualify and DTI may be over xx%. Unable to rely on docs in file and unable to calc ATR.    
68035615 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the revised loan estimate delivery date test due to the revised loan estimate delivery date is on the initial closing disclosure delivery date. However, the revised loan estimate delivery date is less than 3 business days from initial closing disclosure delivery date.    
68035615 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject property is 1 unit primary residence. May be NOO as rental income on subject was used to qualify BWR. Elevated for client review.    
68035615 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
45171441 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Subject loan closed with no appraisal, however PIW is missing from the loan documents.    
45171441 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
45171441 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2020 delivered on xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.    
45171441 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Tape shows condominium where a limited review was performed after receipt of a condominium questionnaire. Subject condominium is unacceptable for FNMA/FHLMC as there is excess of 35% commercial usage (hotel and retail) within the same development. Elevated for client review.    
16020896 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
16020896 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Revised LE dated xx/xx/2021 reflects Points - Loan Discount Fee at $1,024.00. However, Final CD dated xx/xx/2021 reflects Points - Loan Discount Fee at $11,272.91. This is increase of charges by +$10,248.91 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
16020896 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan approved at xx%. Tape shows SE declining income and missing SE business bank statements. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
16020896 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows rate and term refinance paying off seasoned HELOC and missing evidence no draws taken within 12 months of closing.    
70853895 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
70853895 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $8,493.70 Exceeds Fees threshold of $8,413.92 Over by +$79.78. The below fees were included in the test.
Commitment Fee paid by Borrower: $1,595.00
Points - Loan Discount Fee paid by Borrower: $6,898.70		    
70853895 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at 42%. Tape shows profit and loss statement of business is missing. Unable to rely on documents in file and unable to calculate ATR.    
70853895 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $8,493.70 Exceeds Fees threshold of $8,413.92 Over by +$79.78. The below fees were included in the test.
Commitment Fee paid by Borrower: $1,595.00
Points - Loan Discount Fee paid by Borrower: $6,898.70		    
70853895 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2017 reflects Points - Loan Discount Fee at $5,712.00. However, CD dated xx/xx/2021 reflects Points - Loan Discount Fee at $6,898.70. This is an increase in fee of $1,186.70 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
23178769 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Washington $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) The appraisal report dated xx/xx/2021 xx shows the subject property is manufactured home. The affidavit of affixation is found xx which states that the home is fixed to permanent foundation system.  The Alta-7 endorsement for manufactured home attached with the title policy.    
23178769 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date xx/xx/2021 is more than 60 calendar days after the consummation date xx/xx/2021.

Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.		    
23178769 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal summary with P&I $1,305.62 is missing from the loan documents.    
23178769 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows defective agency loan. Further details are not provided.    
23178769 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete Washington $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Subject file shows discrepancy in property type. Appraisal shows subject is a modular home. UT shows MH application for same lot. Home does show as affixed and may be a modular home based on review of appraisal. Comps used are dissimilar. Elevated for client review.    
18224245 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by borrower is missing from loan documents.    
18224245 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the Pennsylvania license validation test due to the  Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November 5th, 2008.    
18224245 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape show lack of income documentation and DTI may rise to xx%. Unable to rely on docs in file and unable to calc ATR.    
87616126 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) Loan failed FHA QM Safe Harbor Test threshold test due to APR calculated 4.395% exceeds APR threshold of 5.082% over by +0.687%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
87616126 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed the FHA QM Rebuttable Presumption test due to fees charged: $7,392.66 fees threshold : $7,113.18 over by +$279.48.

The following fees were included in the test:
Document Preparation Fee paid by Borrower: $250.00
Loan Origination Fee paid by Borrower: $2,454.00
Points - Loan Discount Fee paid by Borrower: $3,333.66
Processing Fee paid by Borrower: $550.00
Tax Service Fee paid by Borrower: $81.00
Underwriting Fee paid by Borrower: $724.00


2. Loan failed the Qualified Mortgage Lending Policy points and fees test due to fees charged: $7,392.66 fees threshold: $7,113.18 over by +$279.48.

The following fees were included in the test:
Document Preparation Fee paid by Borrower: $250.00
Loan Origination Fee paid by Borrower: $2,454.00
Points - Loan Discount Fee paid by Borrower: $3,333.66
Processing Fee paid by Borrower: $550.00
Tax Service Fee paid by Borrower: $81.00
Underwriting Fee paid by Borrower: $724.00		    
87616126 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $7,392.66 exceeds fees threshold of $7,113.18 over by +$279.48.

The below fees were included in the test:
Document Preparation Fee paid by Borrower: $250.00
Loan Origination Fee paid by Borrower: $2,454.00
Points - Loan Discount Fee paid by Borrower: $3,333.66
Processing Fee paid by Borrower: $550.00
Tax Service Fee paid by Borrower: $81.00
Underwriting Fee paid by Borrower: $724.00		    
87616126 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) This is an FHA loan. However, the mortgage insurance certificate is missing from loan documents.    
87616126 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2020 reflects the sum of Section C fees at $1,804.00 . However, CD dated xx/xx/2020 reflects the sum of Section C at $2,209.00. This is a cumulative decrease of $44.60 for charges that in total cannot decrease more than 10% test. COC for increase in fee is missing from the loan documents.    
87616126 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $3,613.13 and the loan was underwritten by DU xx and its recommendation is Refer/Eligible with a DTI of xx%.    
59272481 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure is not executed by borrowers.    
59272481 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows in VA IRRRL streamline refinance loans, there should be waiting period or gap between of 210 days from the first payment date of existing mortgage which is getting paid off and between closing of our new subject loans. In this loan the waiting period is not satisfied.    
69261364 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges than in total cannot increase more than 10% tolerance test. Initial LE dated xx/xx/2020 reflects recording fee at $180.00. However, final CD dated xx/xx/2021 reflects recording fee at $280.00. This is a cumulative increase of +$82.00 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.    
69261364 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure signed by borrower is missing from loan documents.    
69261364 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) The subject loan closed with exterior only appraisal and tape shows that full appraisal was required. However, the full appraisal is missing from the loan document.    
69261364 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
37437093 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows income misrepresentation. Unable to rely on documents in file and unable to calculate ATR.    
37437093 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure signed by the borrower is missing from the loan documents.    
37437093 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
37437093 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2018 does not reflect Points - Loan Discount Fee. However, CD dated xx/xx/2018 reflects Points - Loan Discount Fee at $527.50. This is an increase in fee of $527.50 for charges that cannot increase.

Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2018 does not reflect Appraisal Re-Inspection Fee. However, CD dated xx/xx/2018 reflects Appraisal Re-Inspection Fee at $150.00. This is an increase in fee of $150.00 for charges that cannot increase.		    
13500768 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
13500768 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $5,340.00 Exceeds Fees threshold of $5,141.65 Over by +$198.35. The below fees were included in the test.
Commitment Fee paid by Borrower: $445.00
Points - Loan Discount Fee paid by Borrower: $4,895.00

Loan fails Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $5,340.00 Exceeds Fees threshold of $5,141.65 Over by +$198.35. The below fees were included in the test.
Commitment Fee paid by Borrower: $445.00
Points - Loan Discount Fee paid by Borrower: $4,895.00		    
13500768 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape data shows issue with "We didn't meet 2 year seasoning requirements for a pre foreclosure sale. Pre foreclosure sale completed xx/xx/2019 and new loan disbursement xx/xx/2021", No farther details have been found in the loan file.    
13500768 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * ComplianceEase State Regulations Test Failed (Lvl 3) Loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. The below fees were included in the test.
Title Closing Protection Letter paid by Borrower: $75.00
Title Mortgage release tracking fee paid by Borrower: $75.00
Title notice of settlement / Doc handling fee paid by Borrower: $20.00
Title tax status research fee paid by Borrower: $35.00
Title transaction mgmt platform fee paid by Borrower: $30.00
Title wire Fee paid by Borrower: $75.00		    
13500768 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Compliance Ease delivery and timing test for Loan Estimate dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is not within 3 business days from the Consummation date xx/xx/2020.    
7440345 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
7440345 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows aged loan. Further details not provided.    
7440345 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income was $xx and total expenses are in the amount of $1,053.98 and the loan was underwritten by LP xx and its recommendation is “Accept” with a DTI of xx%.    
7440345 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed lender credits that cannot decrease 0% tolerance test. Initial CD dated xx/xx/2019 reflects non-specific lender credits at $267.36. However, CD dated xx/xx/2019 reflects non-specific lender credits at $253.29. This is a decrease in fee of -$14.07 for lender credits that cannot decrease. Valid COC for the decrease in fee is missing from the loan documents.    
25161694 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on final CD as $82,465.59. Calculated finance charge is $83,721.59 for an under disclosed amount of $1,256.00. Reason for finance charge under disclosure is unknown as the fee itemization is missing.

Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.		    
25161694 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
25161694 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as OO but seller defect shows property is NOO. Elevated for client review.    
58788254 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan approved at xx%. Tape shows income misrepresentation and missing evidence required funds to close $98,021.00. Unable to rely on docs in file and unable to calc ATR.    
58788254 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Settlement services provider list is missing from the loan documents.    
58788254 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final HUD-1 as $307,740.94. Calculated Finance charge is $308,449.38 for an under disclosed amount of -$708.44. Reason for Finance Charge under disclosure is unknown as the Fee Itemization is missing.

Subject loan is a purchase, originated on xx/xx/2014 and the SOL is 1 year.		    
58788254 xx xx xx 3e7649ea-d4a6-431b-bedf-93e8df994bff 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
58788254 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard insurance policy is missing from the loan documents.    
58788254 xx xx xx 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 3: Curable * Good Faith Estimate missing or unexecuted (Lvl 3) Final GFE is missing from the loan documents.    
6313816 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is NOO. Tape shows borrower is laid off due to pandemic. After refurbished again borrower was hired for the job. Also borrower is self-employed and had plenty of deductables, after few days of funding borrower was again laid off with his job. May 2020 was the first due date.    
39657387 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows Uninsured FHA.  Mortgage Credit Reject (MCR) was not addressed on the LT by the underwriter.  Appraisal expired one day before funding.  FHA Case # cancelled on 07/xx/21.  UFMIP refund applied to principal on 10/xx/21.  MMI removed from monthly payment effective 09/xx/21.  MMI refunds were applied to principal on 05/xx/21 & 10/xx/21.  Notification letter sent to borrower and delivery confirmed.    
39657387 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock Agreement is missing from the loan documents.    
39657387 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from the loan documents.    
81963076 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed higher-priced mortgage loan test due to APR calculated 5.116% exceeds APR threshold of 4.420% over by +0.696%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
81963076 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed qualified mortgage safe harbor threshold test due to APR calculated 5.087% exceeds APR threshold of 4.420% over by +0.667%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
81963076 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed Compliance Ease delivery and timing test for revised closing disclosure dated xx/xx/2021. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2021 which is after the Consummation date xx/xx/2021.

Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 does not reflect appraisal review fee. However, CD dated xx/xx/2021 reflects appraisal review fee at $175.00. This is an increase in fee of $175.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.		    
81963076 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows loan file was categorized under the incorrect QM category.    
81963076 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the Pennsylvania license validation test due to the pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November 5th, 2008.    
46157533 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed FHA QM safe harbor threshold test due to APR calculated 4.994% exceeds APR threshold of 4.822% over by +0.172%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.

Loan failed qualified mortgage safe harbor threshold test due to APR calculated 4.994% exceeds APR threshold of 4.330% over by +0.664%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.		    
46157533 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows that appraisal expired on xx/xx/2020 before the closing.    
46157533 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $2,937.37 and the loan was underwritten by DU xx and its recommendation is “Approve/Eligible” with a DTI of xx%.    
46157533 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from loan documents.    
46157533 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
46157533 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 does not reflect points- loan discount fee. However, CD dated xx/xx/2021 reflects points- loan discount fee at $2,552.90. This is an increase in fee of $2,552.90 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
46157533 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed higher-priced mortgage loan test due to APR calculated 4.994% exceeds APR threshold of 4.330% over by +0.664%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
11209607 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $2,744.72 and the loan was underwritten by AUS xx and its recommendation is “Approve/Eligible” with a DTI of xx%.    
11209607 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Your home loan toolkit is missing from the loan documents.    
11209607 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the Pennsylvania license validation test due to the Pennsylvania mortgage lender license and Pennsylvania exemption letter (Mortgage Act) are not available for loans with a closing date before November 5th, 2008.    
11209607 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Final transmittal summary is missing from the loan documents.    
11209607 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
11209607 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Tape shows loan closed with a non-occupying borrower. Final application reflects both borrower will occupy the property as primary. Elevated for client review.    
21060171 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape shows monthly debt of $429.00 with GS BANK was not included in the debt to income ratio may push DTI higher. Unable to rely on docs in file and unable to calc ATR.    
21060171 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing from the given loan file.    
21060171 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $2,571.11 and the loan was underwritten by DU xx and its recommendation is “Approve/Eligible” with a DTI of xx%.    
21060171 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
79910917 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $4,876.13 and the loan was underwritten by DU xx and its recommendation is Approve/Eligible with a DTI of xx%.    
79910917 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan approved at xx%. Tape shows income and monthly debt miscalculation; 2019 W2 is missing and documents to verify RE Taxes, Ins and HOA for REO property is missing. Recalculated income and debt may push DTI higher. Unable to rely on documents in file and unable to calculation ATR.    
79910917 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject originated as OO. Tape shows occupancy has been falsely misrepresented. Elevated for client review.    
74612751 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $xx and total expenses are in the amount of $2,744.00 and the loan was underwritten by AUS/DU xx and its recommendation is “Approve/Eligible” with a DTI of xx%.    
74612751 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows borrower was not employed at closing. Excluding borrowers income and using only co-borrowers income of $xx pushes DTI to xx%. Unable to rely on docs in file and unable to calc ATR.    
74612751 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 reflects Points - Loan Discount Fee at $300.00. However, CD dated xx/xx/2020 reflects Points - Loan Discount Fee at $544.49. This is an increase in fee of $244.49 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
74612751 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
74612751 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $9,224.49 exceeds fees threshold of $8,866.85 over by +$357.64.
The below fees were included in the test:
GSE (Fannie Mae public guidelines) QM Points and Fees Test Inclusion
Mortgage Broker Fee (Indirect) $7,625.00
Points - Loan Discount Fee paid by Borrower: $544.49
Underwriting Fee paid by Borrower: $1,055.00

Loan fails Qualified Mortgage points and fees test due to Fees charged $9,224.49 exceeds fees threshold of $8,866.85 over by +$357.64.
The below fees were included in the test:
Mortgage Broker Fee (Indirect) $7,625.00
Points - Loan Discount Fee paid by Borrower: $544.49
Underwriting Fee paid by Borrower: $1,055.00		    
22786450 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
22786450 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows loan is uninsurable. UWM wasn't able to assign a case number after the loan closed.    
22786450 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2020. Initial LE dated xx/xx/2020 reflects Lender Credit at $6,933.45. However, final CD dated xx/xx/2020 reflects Lender Credit at $5,156.69. This is decrease of $1,776.76 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.    
22786450 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from the loan documents.    
85210614 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller tape shows the rental income from other property could not be considered. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
85210614 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test.
Loan estimate dated xx/xx/2020 does not reflect Points - loan discount fee. However, CD dated xx/xx/2021 reflects Points - loan discount fee at $1,897.50.
Loan estimate dated xx/xx/2020 does not reflects mortgage broker fee. However, CD dated xx/xx/2021 reflects mortgage broker fee at $3,680.00.
This is a cumulative increase in fee of $5,577.5 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.
Valid COC for the increase in fee is missing from the loan documents.

TRID Violation due to decrease in lender credit on closing disclosure dated xx/xx/2021. Initial LE dated xx/xx/2021 reflects lender credit at $257.00, however, final CD dated 1/xx/20221 reflects Lender Credit at $257.00. This is decrease of $257.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan document.		    
85210614 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
85210614 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $1,705.55 and the loan was underwritten by DU xx and its recommendation is Approve/Eligible with a DTI of xx%.    
44914862 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Final CD reflects closing date as xx/xx/2021. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2021. Note date is xx/xx/2021.    
44914862 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Total of Payments disclosed on post CD as $246,301.07. Calculated Total of Payment is $246,503.70 for an under disclosed amount of -$202.63.

Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.		    
44914862 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents. However Loan Confirming document available at#xx.    
44914862 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $5,309.66 and the loan was underwritten by AUS/DU xx and its recommendation is Approve/Eligible with xx%.    
44914862 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) UW Sales price of $xx to consider LTV/CLTV of xx%. However, Appraised value of $xx which came in lower than sales price should have been used which increases the LTV/CLTV to xx%.    
44914862 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2021. Initial LE dated xx/xx/2021 reflects Lender Credit at $2,528.00, however, post CD dated xx/xx/2021 reflects Lender Credit at $500.01. This is decrease of $2,027.99 for fee which has 0% tolerance. valid COC is missing from the loan documents.    
63691125 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 4: Unacceptable * ComplianceEase Risk Indicator is "Elevated" (Lvl 4) Loan failed initial closing disclosure delivery timing test. Initial CD dated xx/xx/2021 received on xx/xx/2021 is less than three business days before consummation dated xx/xx/2021.    
63691125 xx xx xx 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 2: Acceptable with Warnings * Compliance Testing (Lvl 2) Seller tape shows TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial xx/xx/2021) - xx/xx/2021 is the initial closing disclosure date. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
63691125 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD hand signed on xx/xx/2021.  Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2021. Note date is xx/xx/2021.    
20244186 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
20244186 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per Seller tape, Loan Flood Cert has four day gap from funding to activation of policy. Borrower has acknowledged in an email as of 3/xx that there has bid no flood damage since loan originated.    
83373059 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed TRID total of payments test. Finance charge disclosed on post closing disclosure as $348,724.50. Calculated finance charge is $349,034.00 for an under disclosed amount of -$309.50. Reason for finance charge under disclosure is unknown as the fee itemization is missing.

Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.		    
83373059 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
83373059 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows subject property is in Texas A/6 where the loan was closed using PIW. However, PIW is not allowed on Texas A/6 Cash-out refinance. FMV disclosure is available and can be located at "xx".    
83373059 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date is xx/xx/2022 which is more than 60 calendar days after the consummation date xx/xx/2020.    
83373059 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Appraisal report is missing from the loan documents. However, FMV disclosure is available and can be located at "xx".    
69312900 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Settlement services provider list is missing from the loan documents.    
69312900 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
69312900 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 3: Curable * Missing flood cert (Lvl 3) Flood certificate is missing from the loan documents.    
69312900 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final closing disclosure signed by the borrower is missing from the loan documents.    
69312900 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure signed by borrower is missing from loan documents.    
69312900 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing in loan documents.    
69312900 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Right of Rescission missing or unexecuted (Lvl 3) Right of rescission document is missing from the loan documents.    
69312900 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final application is missing from the loan documents.    
69312900 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application signed by loan originator is missing from the loan documents.    
69312900 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Servicing transfer disclosure is missing from the loan documents.    
69312900 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial closing disclosure is missing from the loan documents.    
69312900 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
69312900 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership counseling disclosure is missing from loan documents.    
69312900 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure is missing from the loan documents.    
69312900 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 4: Unacceptable * Missing Appraisal (Lvl 4) Appraisal repot is missing from the loan documents. However, Texas FMV disclosure is also missing from the loan documents.    
69312900 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial loan estimate is missing from the loan documents.    
69312900 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal summary is missing from the loan documents.    
69312900 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 4: Unacceptable * Loan does not conform to program guidelines (Lvl 4) Tape shows subject loan is Texas 50(a) (6) without an appraisal. Signed PIW and FMV disclosure is missing from the loan documents.    
69312900 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard insurance is missing from the loan documents.    
69312900 xx xx xx 0270b5a0-6846-4580-a03f-12f44a18d0d3 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 4: Unacceptable * Note is missing or unexecuted (Lvl 4) Original note along with lost note affidavit is missing from the loan documents.    
9075158 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Alabama $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan is uninsurable due to after closing, a quality review performed by the investor of the loan and it was determined that there were circumstances which prevented the loan from being insured by the VA. The Veteran’s Administration had determined that the loan was no longer eligible for VA mortgage insurance benefits.    
9075158 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Alabama $xx Valuation Doc Issue Active 4: Unacceptable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) Appraisal report in loan file is subject to repairs and reflects the issue "Uneven floors noted and substance noted in attic". However, appraisal report does not reflect cost to complete the repair as well as final closing disclosure does not reflect any escrow holdback. 1004D is missing from the loan documents. Emails in file from contractors that floors may be cured and attic substance may be pesticide but no completion cert of record. Elevated for client review and recommend seller cure.    
9075158 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
55369477 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $565.00 and the loan was underwritten by AUS xx And its recommendation is Approve/Eligible with a DTI of xx%    
55369477 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows loan not purchased due to the flood insurance not being purchased correctly prior to closing or included in the escrow.    
21395050 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.308%  exceeds APR threshold of 4.660%  over by +0.648%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
21395050 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows AUS recommendation changed to Refer after changing property type to condo from PUD. AUS missing from file. Unable to calc ATR.    
21395050 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 5.336% exceeds APR threshold of 4.660%  over By +0.676%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
21395050 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $2,106.28 and the loan was underwritten by AUS/DU xx and its recommendation is “Approve/Eligible” with xx%.    
19586390 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 4: Unacceptable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) Seller tape shows TX A(4) with PIW. Signed PIW and FMV disclosure are missing from the loan documents.    
43510444 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test. The finance charge disclosed on final CD as $63,232.37 & the calculated finance charge is $63,285.37 for an under disclosed amount of $53.00.

Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.		    
43510444 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 4: Unacceptable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) Subject loan is a Texas Cash-Out and was closed with a PIW which is not allowed. FMV disclosure is missing from the loan documents.    
78102086 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Tape shows the subject loan was approved as a single unit family dwelling noting problems with the appraisal. Agree with the tape and the appraisal in file shows 3 units. Comps materially dissimilar. Unsure as to the permitting status of the ADUs. Elevated for client review.    
78102086 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed ComplianceEase delivery and timing test for Revised CD dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is after the Consummation date xx/xx/2020.    
78102086 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $1,942.01 and the loan was underwritten by DU xx and its recommendation is Approve/Eligible” with a DTI of xx%.    
78102086 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by borrower is missing from loan documents.    
78102086 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Missing Initial application dated xx/xx/2020 signed by the Loan Originator.    
18289347 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Indiana $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from loan documents.    
18289347 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Indiana $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) "Subject loan closed with xx% LTV/CLTV. Tape shows appraised value used at origination and closing is not correct. Loan is Uninsured FHA Streamline.    
18289347 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
10428222 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) This is an FHA loan which was originated on xx/xx/2021. However, the mortgage insurance certificate is missing from the loan documents.    
10428222 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
10428222 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete Georgia $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Provided seller’s tape shows that there is an FHA property flipping violation. As per Appraisal, the prior sale of subject property was scheduled on xx/xx/2020 with the sales amount of $40,000.00. However, the Appraised value of subject property on xx/xx/2021 was $109,000.00. The appraisal report does not reflect any major improvements made to the subject property. Elevated for client review.    
10428222 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $913.43 and the loan was underwritten by AUS/DU xx and its recommendation is “Approve/Eligible” with xx%.    
74777755 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Indiana $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI certificate is missing from the loan documents.    
74777755 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Indiana $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows FHA case expired before close. Unable to get insured.    
11299588 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 6.072% exceeds APR threshold of 5.660% over By +0.412%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
11299588 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 6.072% exceeds APR threshold of 5.660% over by +0.412%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
11299588 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The subject loan is FHA and tapes shows an FHA un-insurable through the government agency. FHA refuses to insure.    
11299588 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal is missing from the loan documents.    
11299588 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
11299588 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The borrower's Intent to proceed is missing in loan file.    
11299588 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Subject loan is FHA and mortgage insurance certificate is missing from the loan document.    
96057889 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test. The finance charge disclosed on final CD as $60,353.51 & the calculated finance charge is $60,392.80 for an under disclosed amount of $39.49.

Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.		    
96057889 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
96057889 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the Veterans Affairs IRRRL unpaid principal balance validation test. This loan contains a value for one, but not both of the following fields:The loan is a VA interest rate reduction refinance loan (IRRRL), but the unpaid principal balance was not provided. The unpaid principal balance is necessary to correctly calculate the 1% loan origination fee threshold for VA IRRRL loans.    
96057889 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Indiana $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape shows an alert that the subject loan is a VA IRRRL & it is not insured due to one of the original borrowers not on the new loan.    
19308528 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer disclosure is missing from the loan file.    
19308528 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The subject property is a NOO. Provided seller’s tape shows an alert that there are missing of unaudited YTD P&L and two months business statements for "xx" for the borrower's self-employment income. The rental loss was incorrectly calculated as $787 and the revised is $876. There is an undisclosed auto loan which was opened xx/xx/2020 with "xx" with the payment of $478. Including all changes resulted in a revised DTI of xx%. Further details are not provided to confirm the same.    
88414470 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 reflects Credit Report fee at $50.00. However, CD dated xx/xx/2020 reflects Credit Report fee at $56.00. This is an increase in fee of +$6.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
88414470 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $5,606.00 Exceeds Fees threshold of $4,256.69 over by +$1,349.31.
The below fees were included in the test:
Loan Origination Fee paid by Borrower: $3,330.00
Points - Loan Discount Fee paid by Borrower: $2,276.00		    
88414470 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement signed by borrower is missing from loan documents.    
88414470 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $5,606.00 exceeds Fees threshold of $4,256.69 over by +$1,349.31.
The below fees were included in the test:
Loan Origination Fee paid by Borrower: $3,330.00
Points - Loan Discount Fee paid by Borrower: $2,276.00		    
88414470 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape shows undisclosed $625 Michigan SGCU auto loan pushes DTI over xx%. Unable to rely on documents in file and unable to calculated ATR.    
88414470 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed ComplianceEase delivery and timing test for Closing Disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is after the Consummation date xx/xx/2020.    
68258187 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income was $xx and total expenses are in the amount of $3,730.10 and the loan was underwritten by LP xx and its recommendation is Accept with a DTI of xx%.    
68258187 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. Tape shows SE income was miscalculated, docs to support reserves missing and DTI over xx%. Unable to rely on documents in file and unable to calculate ATR.    
68258187 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
68258187 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete Colorado $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Tape shows subject loan is repurchased due to LP approved with appraisal waiver, health and safety repairs noted in the purchase agreement addendum dated 01/xx/21, including radon mitigation, roof repairs and gas leak. Documentation evidencing the repairs were completed prior to note date was not in the file. PIW in file. Appraisal is not in file. Elevated for client review.    
42777087 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) The net operating income is $0.00 and annual payments (Debt Service) is $25,235.40 and there debt service cover ratio (DSCR) is 0.67 which is less than 1.    
42777087 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete Colorado $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Subject is NOO. Tape shows loan is repurchased and subject is a detached cabin in xx operating as a hotel or similar type of transient housing. Review of the project shows primarily rental cabins via VRBO, similar to a condotel and not a pure NOO property. Elevated for client review.    
42777087 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete Colorado $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Tape shows subject valuation at $xx is not supported. Appraisal in file shows comps are dissimilar and agree with tape that value is not supported    
57414276 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 4: Unacceptable * Loan does not conform to program guidelines (Lvl 4) Subject is NOO. Seller tape shows issue: 2 undisclosed mortgages; Borrower purchased 7012 xx xx/xx/21 DOT for $xx and 11410 Picadilly on xx xx/xx/21 DOT for $xx both financed through moria development Inc dba peoples mortgage. Tape shows lender elevated loan for fraud review based on BWR letter claiming no new mortgages. Elevated for client review.    
53660577 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows undisclosed debt with Discover and Smart financial with monthly payment of $xx and $397.00 were omitted without supporting documents. Adding them back to liabilities pushes DTI to xx%. Unable to rely on docs in file and unable to calc ATR.    
53660577 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflect Attorney's Fee (Closing Agent and Other Title Services) at $125. However, CD dated xx/xx/2021 reflects Attorney's Fee (Closing Agent and Other Title Services at $200.00. This is an increase in fee of $75.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
53660577 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
24574183 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Subject is NOO. Appraisal report shows subject appraised as single family with ADU. ADU was recently built and is larger than primary. However, Appraiser noted subject has multiple addresses listed, and separate water and electrical meters were observed during inspection. Subject is a multi-unit property. Subject does not meet FNMA definition of accessory unit.    
51936281 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approved as non-owner occupied.  Tape shows loan repurchase from Freddie due to rental income not supported.    
37515650 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows assets misrepresentation. No further details are available. Final CD required $xx funds to close. DU showed $xx in assets. File does not show sourcing, verification and/or if assets are business assets. Reason for misrep not in file. Unable to rely on documents in file and unable to calculate ATR.    
37515650 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed higher-priced mortgage loan test due to APR calculated 4.004% exceeds APR threshold of 3.860% over by +0.144%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
37515650 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
37515650 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%. The borrower’s income is $xx and total expenses are in the amount of $1,115.25 and the loan was underwritten by DU xx and its recommendation is approve /eligible for a DTI of xx%.    
37515650 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage safe harbor threshold test due to APR calculated 3.973% exceeds APR threshold of 3.860% over by +0.113%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
7226282 xx xx xx b1b8911c-c02d-4dc6-b7e8-cf4e8f163f8e 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Credit Active 4: Unacceptable * Misrepresentation of Income (Lvl 4) Subject NOO not required for ATR/QM testing but elevating income misrep in file for client review. Docs said 11 yrs at Credit Suisse but BWR was not employed at closing.    
28892824 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 1: Acceptable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 1) As per the revised scope, updated only Initial LE & Final CD hence TRID Tolerance test is incomplete.    
28892824 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) MI Cert is missing in the loan file.    
28892824 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $4,038.12 per AUS/DU xx and its recommendation is “Approve/Eligible with xx%.”.    
28892824 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Comments from Bank Tape:- Expired appraisal. FHA appraisal completed 9/xx had already expired after the update was completed on 1/xx.    
28892824 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Your Home loan Toolkit / Acknowledgment / Disclosure Tracking is missing in the loan file.    
69132631 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Utah $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from the loan documents.    
69132631 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) ComplianceEase risk indicator is Moderate due to the loan failed the following tests:
Loan failed FHA QM Rebuttable Presumption Test due to Fees charged $5,593.00 Fees Threshold $4,244.49 Over by $1,348.51. The following fee were included the test: Loan Origination Fee paid by Borrower: $895.00 Points - Loan Discount Fee paid by Borrower: $4,698.00.

Loan failed FHA QM Safe Harbor Test due to APR Charged 6.007% APR Threshold 5.870% Over by +0.137%.

Loan failed Qualified Mortgage Safe Harbor Threshold Test due to APR Charged 6.007% APR Threshold 5.370% Over by +0.637%. Missing Higher Priced Disclosure signed by the borrower. Subject loan is escrowed.

Loan failed Qualified Mortgage Lending Policy Points and Fees due to Fees charged $5,593.00 Fees Threshold $4,244.49 Over by $1,348.51. The following fee were included the test: Loan Origination Fee paid by Borrower: $895.00 Points - Loan Discount Fee paid by Borrower: $4,698.00.		    
69132631 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR Charged 6.007% APR Threshold 5.370% Over by +0.637%. Subject loan is escrowed.    
69132631 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Utah $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue,"borrower due for October payment". As per review of payment history the loan is due to xx/xx/2019 payment.    
69132631 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan failed GSE (Fannie Mae public guidelines) QM Points and Fees Test due to Fees charged $5,593.00 Fees Threshold $4,244.49 Over by $1,348.51. The following fee were included the test: Loan Origination Fee paid by Borrower: $895.00 Points - Loan Discount Fee paid by Borrower: $4,698.00.    
69132631 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed the charges that cannot increase more than 10% test. Revised LE dated xx/xx/2019 reflects the total comparable  fee amount at $858.00. However, Post CD dated xx/xx/2019 reflects the total of comparables fee at $1061.00. This is an increase of $117.20 for charges that cannot increase by more than 10%. Valid COC for the increase in fee is missing from the loan documents.    
987102 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 4: Unacceptable * Loan does not conform to program guidelines (Lvl 4) Per tape, there as an asset misrepresentation. Details not in file but elevated for client review for subject NOO that was material enough to cause the repurchase from FNMA.    
2328312 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the revised closing disclosure delivery date test. Final CD dated xx/xx/2019 is not signed by the borrower.    
2328312 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $1,984.95 per AUS/DU xx and its recommendation is “Approve/Eligible with xx%.”.    
2328312 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan was approved at xx% but post closing repurchase from FNMA with tape showing DTI xx%. Unable to rely on docs in file and unable to calc aTR.    
2328312 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan file.    
2328312 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Missing valid COC for a fee increase on CD dated xx/xx/2019.  LE dated xx/xx/2019 reflects a Points - Loan Discount Fee of $1,559.00, however, CD dated xx/xx/2019 reflects the Points - Loan Discount Fee at $1,575.00.  This is a fee increase of $16.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
59887658 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx Non-QM QC Complete Wisconsin $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
59887658 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Wisconsin $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form disclosure is missing from the loan file.    
59887658 xx xx xx 57ebb2cd-7596-4166-9bd9-6f932a9e2595 561 561-3210 xx Non-QM QC Complete Wisconsin $xx Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
59887658 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Wisconsin $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
59887658 xx xx xx a0d5a3be-496f-41d6-a958-ce4e3ccae8fe 561 561-3210 xx Non-QM QC Complete Wisconsin $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to be determined from the available loan file.    
59887658 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete Wisconsin $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow acct disclosure is missing from the loan file.    
9409903 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
9409903 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer disclosure is missing from the loan file.    
9409903 xx xx xx a0d5a3be-496f-41d6-a958-ce4e3ccae8fe 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Unable to Confirm the operative index value.    
9409903 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from the loan file.    
9409903 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
9409903 xx xx xx 411fa7d7-c445-4fa7-9dc2-654417d64e3c 561 561-3210 xx Non-QM QC Complete Virginia $xx Valuation Property Active 4: Unacceptable * Property is Mobile Home (Lvl 4) As per the tape data the subject property is Mobile Home. The property address is different form the Note and Updated title report.

As per the review of the updated title report dated xx/xx/2021 shows that the subject property address is “xx” which is different from the original note addresses which is “xx”.

As per the appraisal report “xx” shows that the property address “xx” is a manufactured home and affixation is missing from the loan file, However the appraisal report “xx” shows that the property address “xx” is a single family home.

The final title policy is available in the loan file with ref. “xx” that doesn’t have ALTA-7 for Manufactured Home.		    
51081887 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Maine $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in Maine. The following disclosures are missing from the loan file.
Notice to Cosigner
Choice of Insurance Notice
Withholding Tax Disclosure		    
51081887 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Maine $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing    
51081887 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Maine $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing    
42755590 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Loan approved at xx%. Per tape, there was undisclosed debt that invalidated the AUS. Details not provided. Unable to calc ATR.    
42755590 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated Business disclosure is missing from the loan file.    
42755590 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) CE risk indicator is "Elevated" since the loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower’s income is $xx and total expenses are in the amount of $1,310.52 and the loan was underwritten by AUS/LP xx and its recommendation is “Accept / Eligible” and DTI is showing in it as xx%.    
61598981 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRD QC Complete New York $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership Counseling Disclosure is missing in the loan file.    
61598981 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRD QC Complete New York $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of Servicing Transfer is missing in the loan file.    
61598981 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRD QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
61598981 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRD QC Complete New York $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial Loan Application is missing in the loan file.    
61598981 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRD QC Complete New York $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) The Affiliated Business Disclosure missing.    
61598981 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRD QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Loan approved at xx%. Per tape, SE income docs not in file so excluding income would have made revised income $0 and ATR unable to calc.    
61598981 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRD QC Complete New York $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal summary (1008) is missing in the loan file.    
61598981 xx xx xx 698c598b-9d44-4570-a9a2-ecd2f530d8af 561 561-3210 xx QM-TRD QC Complete New York $xx Credit Underwriting Active 3: Curable * Fraud Report Missing  (Lvl 3) Missing Fraud Report    
61598981 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRD QC Complete New York $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Missing proof of hazard insurance in the loan file.    
61598981 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRD QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial CD is missing in the loan file.    
61598981 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRD QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial LE is missing in the loan file.    
61598981 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRD QC Complete New York $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing in the loan file.    
61598981 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRD QC Complete New York $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS/DU  is missing in the loan file.    
61598981 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRD QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) List of service providers is missing in the loan file.    
28717849 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure to the Borrower(s) on LE dated xx/xx/2019 discloses the loan will not be transferred and the originator will service the loan.    
28717849 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $2,676.21.    
61470683 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) A copy of Appraisal Report at origination is missing from loan file.    
61470683 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE Risk indicator is "Moderate" since this loan failed the TRID disclosure dates and personal delivery validation test. This loan contains a  Revised Closing Disclosure Receipt Date (xx/xx/2020) that is after the Revised Closing Disclosure Delivery Date (xx/xx/2020). However, the method of delivery is marked as "Personal."    
61470683 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the TRID disclosure dates and personal delivery validation test. This loan contains a  Revised Closing Disclosure Receipt Date (xx/xx/2020) that is after the Revised Closing Disclosure Delivery Date (xx/xx/2020). However, the method of delivery is marked as "Personal."    
61470683 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject property type is incorrect on LP. Also, the co-borrower’s last name was changed from her maiden name to her married name and underwriter never re-ran credit or AUS at origination; so now that her name doesn’t match, LP will not run.    
61470683 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
12393979 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 1: Acceptable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 1) As per the revised scope, updated only Initial LE & Final CD hence TRID Tolerance test is incomplete.    
12393979 xx xx xx 399d40af-a75c-4340-9c3c-97eadb98a8dc 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 1: Acceptable * Cash out purchase (Lvl 1) Final CD dated xx/xx/2016 reflects cash to borrower as $2,224.03    
12393979 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $1,737.24 per AUS/DU xx and its recommendation is “Approve/Eligible with xx%.”.    
12393979 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership Counseling Disclosure is missing in the loan file.    
12393979 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) The Affiliated Business Disclosure missing.    
12393979 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI Cert is missing in the loan file.    
12393979 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
12393979 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue, "Uninsurable due to the borrowers being Delinquent in the FHA connection. Therefore it was due to be repurchased by GNMA." Supporting document to validate the issue is missing from the loan documents.    
12393979 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Your Home loan Toolkit and List of service providers is missing in the loan file.    
8098163 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM QC Complete Illinois $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) A copy Transmittal summary document is missing from loan document.    
8098163 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure is missing from the loan files.    
8098163 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Loan does not meet minimum streamline guidelines, unable to flip.    
8098163 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx QM QC Complete Illinois $xx Credit Doc Issue Active 3: Curable * Missing flood cert (Lvl 3) A copy of Flood Insurance Certificate is missing from loan document.    
8098163 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership Counseling disclosure is missing from the loan files.    
8098163 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM QC Complete Illinois $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
8098163 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) A copy of Rate lock document is missing from the loan documents.    
8098163 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM QC Complete Illinois $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS DU/LP is missing from the loan files.    
82853991 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) CE result is Elevated as this loan has failed Qualified Mortgage DTI Threshold Test.    
82853991 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Qualified Mortgage DTI exceeds xx% (Lvl 3) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $4,004.35 miscalculation of student loan debts. Adding in the correct student loan payments, the DTI pushes over xx%.    
82853991 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock provided expired on xx/xx/2018 and the loan closed on xx/xx/2018. No lock extension found.    
82853991 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal is missing from the file and 1004d located at xx.    
82853991 xx xx xx 84077b65-a48a-4839-b08b-eb476a45b7b7 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Underwriting Active 3: Curable * The final 1008 is missing (Lvl 3) 1008 is missing from the loan file.    
82853991 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject miscalculation of student loan debt may push DTI over xx% per tape. Details not provided. Unable to rely on docs in file and unable to calc ATR    
82326310 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed Document is missing from the loan documents.    
82326310 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated Business Disclosure Document is missing from the loan documents.    
82326310 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Revised CD#1 dated xx/xx/2016. Initial CD dated xx/xx/2016 does not reflect Rate Lock Fee. However, Revised LE#1 dated xx/xx/2016 reflect Rate Lock Fee at $2,023.00. This is fee increase of $2,023.00 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents.    
82326310 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement Document is missing from the loan documents.    
82326310 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership Counseling Disclosure Document is missing from the loan documents.    
82326310 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) List of Service Provider Document is missing from the loan documents.    
82326310 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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.		    
82326310 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) TRID Violation in Charges That Cannot Increase test due to fee addition in Initial CD dated xx/xx/2016. Initial LE dated xx/xx/2016 reflect Credit report Fee at $36.00. However Initial CD dated xx/xx/2016 Credit report Fee at $124.00. Valid COC is missing from the loan files.    
74424688 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) 1. This loan failed the TILA finance charge test. The finance charge is $462,160.34. The disclosed finance charge of $460,671.42 is not considered accurate because it is understated by more than $100. Subject loan is a purchase, originated on xx/xx/2019 and the SOL is 1 year.

2. This loan failed the revised closing disclosure delivery date test (waiting period required). Subject loan is a purchase, originated on xx/xx/2019 and the SOL is 1 year.		    
74424688 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Delaware $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan was repurchased since the adjustable value is not supported.    
36808711 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $151,596.74. Calculated Finance Charge $152,097.14 for an under disclosed amount of $500.40  Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing.

Subject loan is a purchase, originated on xx/xx/2019 and the SOL is 1 year.		    
36808711 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan fails ComplianceEase Higher priced mortgage loan test. APR Calculated 5.613% APR Threshold 5.290% Over By +0.323%. Missing Higher Priced Mortgage Loan Disclosure signed by Borrower(s).    
36808711 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue,"Re purchased from xx that FNMA kicked back.  There was an asset documentation issue requiring re purchase.  Borrowers are current but have had five 30 day tales in last 21 months. FICO at closing was 649 and now they are a 515. Mi is still in place and valid. Borrowers have made March, April and May 2021 payments on time", Supporting document to validate the issue is missing from loan documents.    
36808711 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Revised LE#1 dated xx/xx/2019. Initial LE dated xx/xx/2019 does not reflect Loan Origination Fee, However, Revised LE dated xx/xx/2019 reflect Loan Origination Fee at $1,552.00. This is fee increase of $1,552.00 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents.    
36808711 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Initial CD dated xx/xx/2019. Revised LE#2 dated xx/xx/2019 reflect Transfer Taxes at $1,200.00. However, Initial CD dated xx/xx/2019 reflect Transfer Taxes at $1,920.00. This is a fee increase of $720.00 for 0% tolerance fee test. Valid COC for the increase in Transfer taxes is missing from the loan documents.    
95762536 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
95762536 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that in total cannot increase more than 10% test. Missing valid COC for a total fees increased of $338.26 on final CD dated xx/xx/2016.
The final CD reflects the cumulative Fees in B section increased of 119.116% with the amount of $338.26 in Creditor's Providers Fees which exceeded the 10% tolerance for Creditor's Providers fees and a valid COC is required.		    
95762536 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).		    
95762536 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower’s income is $xx and total expenses are in the amount of $3,246.21 and the loan was underwritten by GAUS xx & its recommendation is “Accept/Eligible” and DTI is showing in it as xx%.    
95762536 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan was modified by servicer on 40 year term and unable to re-pool as cannot exceed 30 years.    
95762536 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE Risk indicator is "Moderate" due to following factors:

1. This loan failed the charges that in total cannot increase more than 10% test. Missing valid COC for a total fees increased of $338.26 on final CD dated xx/xx/2016.
The final CD reflects the cumulative Fees in B section increased of 119.116% with the amount of $338.26 in Creditor's Providers Fees which exceeded the 10% tolerance for Creditor's Providers fees and a valid COC is required.

2. This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as "Electronic Delivery" and the initial closing disclosure delivery date (xx/xx/2016) is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the settlement date (xx/xx/2016).		    
26188086 xx xx xx a0d5a3be-496f-41d6-a958-ce4e3ccae8fe 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative Index Value is unable to be determined.    
26188086 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) Following State Disclosures are missing from the loan file.
1.NY Consumer Credit Disclosure / Fair Credit Reporting Notice
2.NY Interest Rate Disclosure
3.NY Hazard Insurance  Disclosure
4.Tax Escrow Account Designation
5.Mortgage Bankers and Exempt Organizations Preapplication
6.Part 80 Disclosure
7.Alternative Mortgage Transaction Disclosures
8.Co-Signer Notice Requirements
9.Default Warning Notice
10.Smoke Alarm Affidavit
11.New York Real Property Escrow Account Disclosure
12.Subprime Home Loan Counseling Disclosure
13.Subprime Home Loan Tax and Insurance Payment Disclosure
14.Subprime Home Loan Disclosure
15.Commitment Disclosure
16.Lock-in Disclosure
17.Expiration of Lock-in or Commitment Period		    
26188086 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
26188086 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) This Loan is ARM and Loan Program Disclosure is missing from the loan file.    
26188086 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
29711529 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete West Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in West Virginia State. The following required state disclosures are missing from the loan file. 1. WV Collateral Protection Insurance Notice 1 2. Co-Signer Notice 3. Financial Institution Insurance Disclosure 4. Non-Deposit Investment Product Disclosure 5. Financial Institution Insurance Disclosure 6. Non-Deposit Investment Product Disclosure    
29711529 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete West Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
29711529 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete West Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing in loan file.    
29711529 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete West Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The Final 1003 as well as 1008 is missing in the loan file , However the values are taken as note date and loan amount.    
29711529 xx xx xx 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf 561 561-3210 xx Non-QM QC Complete West Virginia $xx Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) As per uniform Appraisal report the appraisal value is $xx and the loan amount is $xx, therefore, LTV / LTV shows xx% which exceeds xx%.    
29711529 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx Non-QM QC Complete West Virginia $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) AS per HUD-1 settlement date is xx/xx/1994 which is not aligned with the original note date xx/xx/1994.    
29711529 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete West Virginia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
29711529 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete West Virginia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
25334777 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
25334777 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA APR Test: Result: FAIL Loan Data: 0.000% Comparison Data: 5.777% Variance: -5.777%.    
25334777 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.    
25334777 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
25334777 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
25334777 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
25334777 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
51558278 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan fails ComplianceEase Higher priced mortgage loan test. APR Calculated 5.259% APR Threshold 5.220% Over By +0.039%. Missing Higher Priced Mortgage Loan Disclosure signed by Borrower(s).    
51558278 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard Insurance Certificate is missing from the Loan Documents.    
51558278 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final Application is missing from the Loan Documents.    
51558278 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal Report is missing from the Loan Documents.    
51558278 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Unable to determine borrower income due to Income document is missing from the loan files and Final Application is missing from the loan files.    
51558278 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS DU/LP is missing from the loan files.    
51558278 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock document is missing from the Loan Documents.    
51558278 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue: "HPML COMPLIANT". Supporting document to validate the issue is missing from the Loan Documents    
51558278 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) Compliance Ease TRID Tolerance test is incomplete/Failed due to Initial Closing Disclosure is missing from the loan files.    
51558278 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal Summary document(1008) is missing from the Loan Documents.    
45901301 xx xx xx 454cf3a6-ce47-479d-bc71-dc48f26d7431 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Initial Good Faith Estimate is Missing (Lvl 3) Initial Good Faith Estimate is missing from loan file.    
45901301 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is “Moderate” due to TILA APR Test.    
45901301 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
45901301 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final 1003 is missing from loan file.    
45901301 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA APR Test is fail. Loan data is 0.000% and comparison data is 4.308%. Hence the variance is -4.308%.    
45901301 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS is missing from the loan file.    
45901301 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated Business Disclosure is missing from loan file.    
45901301 xx xx xx 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Doc Issue Active 3: Curable * Good Faith Estimate missing or unexecuted (Lvl 3) Good Faith Estimate is missing from loan file.    
45901301 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Unable to determine borrower's ATR. There are no supportive documents for Income and Assets in the loan file.    
45901301 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial 1003 is missing from loan file.    
45901301 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) The list of service provider is missing from the loan file.

Government id is missing from the loan file.

Toolkit disclosure is missing from the loan file.		    
45901301 xx xx xx e99b279c-a3fe-4039-91dc-3f33c0f684d9 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Doc Issue Active 3: Curable * Initial Good Faith Estimate is Missing (Lvl 3) Initial Good Faith Estimate is missing from loan file.    
45901301 xx xx xx ed2f87f9-26cb-4791-86da-f6fb5c182b7d 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Credit Active 3: Curable * Purchase Contract is missing (Lvl 3) Purchase Contract is missing from the loan file.    
45901301 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Doc Issue Active 3: Curable * Final TIL Missing or Not Executed (Lvl 3) Final TIL is missing from loan file.    
45901301 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from loan file.    
45901301 xx xx xx 16778a39-ef96-4577-8234-aa9177f06e73 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Income documentation does not meet guidelines (Lvl 3) There are no supportive documents for Income (Such as Paystubs, prior years W2, Income Tax Returns, VOE & WVOE) in the loan file.    
45901301 xx xx xx 6d175d99-f2e3-4d75-80a0-682f8b85b1ea 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Doc Issue Active 3: Curable * Initial Truth in Lending Disclosure is Missing (Lvl 3) Initial Truth in Lending Disclosure is missing from loan file.    
45901301 xx xx xx b16afc0c-7da0-45b1-b058-c1523d92e91b 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Initial Til is missing in loan file (Lvl 3) Initial TIL is missing from loan file.    
45901301 xx xx xx 84077b65-a48a-4839-b08b-eb476a45b7b7 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Underwriting Active 3: Curable * The final 1008 is missing (Lvl 3) Missing Final Transmittal Summary.    
44979127 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
44979127 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non-QM QC Complete North Carolina $xx Valuation Property Active 3: Curable * Property is Manufactured Housing (Lvl 3) Home is affixed to the permanent foundation. An Appraisal Report located at “xx”, the subject property type is Manufactured Home. The VIN# is not available in the legal description of the recorded mortgage; however, as per the Manufactured Home Rider located at “xx” the type of subject property is a manufactured home with serial#/VIN# xx. The manufacturer's name was CMH in the 2004 year and the model# is xx and the subject property has been affixed to the permanent foundation. The ALTA 7 Endorsement is not attached to the final title policy; however, the scheduled B addendum shows that the mobile home is permanently affixed to the land.    
44979127 xx xx xx 08f7f0be-f4cf-4d4e-8244-193c7542c212 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issues Active 3: Curable * Not all borrowers signed HUD (Lvl 3) The final hud-1 document is not executed by the borrower.    
44979127 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE failed to moderate due to the following tests.  TILA APR Test. Tax Service Fee Test.    
44979127 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing in loan file.    
44979127 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
44979127 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.  The annual percentage rate (APR) is 7.131%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. TILA APR Test: FAIL Loan Data 0.000% Comparison Data 7.131% Variance -7.131%.    
44979127 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file.    
44979127 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
44979127 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) This loan is FHA. The loan was originated on xx/xx/2008 as an FHA loan with case # xx. However, the MI certificate is missing from the loan file.    
44979127 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
16277965 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
16277965 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) The right of rescission/right of cancel disclosure is missing from the loan files.    
16277965 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) An initial escrow account disclosure is missing from the loan file.    
16277965 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
16277965 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) An affiliated business disclosure is missing from the loan file.    
16277965 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: FAIL Loan Data $168,086.65 Comparison Data $168,277.65 Variance -$191.00  TILA Foreclosure Rescission Finance Charge Test: FAIL Loan Data $168,086.65 Comparison Data $168,277.65 Variance -$191.00    
16277965 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $168,277.65. The disclosed finance charge of $168,086.65 is not considered accurate because it is understated by more than $100.  This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h) ) The finance charge is $168,277.65. The disclosed finance charge of $168,086.65 is not considered accurate for purposes of rescission because it is understated by more than $35.    
51480654 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to a fee addition on Initial CD dated xx/xx/2020. The Initial CD shows an added fee Transfer Taxes of $378.00 which did not appear on previous LE. However, Final CD dated xx/xx/2020 shows Transfer Taxes Fee at $360.00. This is a fee increase of $360.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.

TRID Violation due to a fee increase on Initial CD dated xx/xx/2020.  LE dated xx/xx/2020 reflects an Appraisal Fee at $190.00, however, Initial CD dated xx/xx/2020 reflects the Appraisal Fee at $555.00.  This is a fee increase of $365.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.		    
51480654 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order
to correctly perform reimbursement calculations.

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.		    
51480654 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) This is FHA loan and required MI cert is missing from the loan file.    
51480654 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Per tape, home was a 90 day flip. No supportive documents have been found in the loan file.    
76452427 xx xx xx a0d5a3be-496f-41d6-a958-ce4e3ccae8fe 561 561-3210 xx Non_QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative Index Value is unable to be determined.    
76452427 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report Missing from the loan file    
76452427 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
76452427 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx Non_QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) ComplianceEase Risk Indicator is "Elevated"-

This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.		    
76452427 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non_QM QC Complete South Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) This loan is ARM and Loan Program Disclosure is missing from the loan file.    
76452427 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx Non_QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) ComplianceEase GSE Test Failed-

This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.		    
18555990 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non_QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
18555990 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non_QM QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
18555990 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report missing from the loan file    
18555990 xx xx xx 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c 561 561-3210 xx Non_QM QC Complete South Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
18555990 xx xx xx e99b279c-a3fe-4039-91dc-3f33c0f684d9 561 561-3210 xx Non_QM QC Complete South Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan file.    
18555990 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non_QM QC Complete South Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
18555990 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete South Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Disclosure is missing from the loan file.    
18555990 xx xx xx 6d175d99-f2e3-4d75-80a0-682f8b85b1ea 561 561-3210 xx Non_QM QC Complete South Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan file.    
18555990 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non_QM QC Complete South Carolina $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal Report is missing from the loan file.    
18555990 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non_QM QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1, Fee Itemization and Estimated HUD-1 is missing from the loan file.    
18555990 xx xx xx 4338a740-1f15-426f-91b9-3d27e90910a7 561 561-3210 xx Non_QM QC Complete South Carolina $xx Credit Credit Active 3: Curable * Lost Note Affidavit (Lvl 3) The lost note affidavit has been found in the loan file confirming that original copy of note has been lost. Xx.    
18555990 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
18555990 xx xx xx 411fa7d7-c445-4fa7-9dc2-654417d64e3c 561 561-3210 xx Non_QM QC Complete South Carolina $xx Valuation Property Active 4: Unacceptable * Property is Mobile Home (Lvl 4) The subject property is a Manufactured Home and no VIN/Serial# available in the recorded copy of the subject mortgage and no Manufactured Home Affidavit of Affixation is attached with the Mortgage copy. The final title policy is available in the loan file that doesn’t have ALTA-7 for Manufactured Home.The tax certficate attached with the updated title report dated xx/xx/2021, shows separate assessment for land and building.    
18555990 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non_QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
39333144 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
39333144 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non_QM QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
39333144 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
39333144 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from the loan file    
39333144 xx xx xx 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf 561 561-3210 xx Non_QM QC Complete Ohio $xx Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) As per uniform Appraisal report the appraisal value is $xx and the loan amount is $xx, therefore, LTV / LTV shows xx% which exceeds xx%.    
39333144 xx xx xx 57ebb2cd-7596-4166-9bd9-6f932a9e2595 561 561-3210 xx Non_QM QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) TIL is not hand dated by borrower.    
39333144 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non_QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The Final 1003 as well as 1008 is missing in the loan file , However the values are taken as note date and loan amount.    
39333144 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non_QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in Ohio State. The following required state disclosures are missing from the loan file.
1. Equal Credit Availability Notice
2. Insurance Tying Disclosure
3. Non-Deposit Insurance Disclosure		    
71502326 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non_QM QC Complete Alabama $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application is missing from the loan file.    
71502326 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete Alabama $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer is missing from the loan file.    
71502326 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete Alabama $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from the loan file.    
71502326 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
48679192 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Repot is missing from the loan file    
48679192 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non_QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
48679192 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
48679192 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete Pennsylvania $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer Disclosure is missing from the loan file.    
28920987 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non_QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
28920987 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
28920987 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
28920987 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non_QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
28920987 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from the loan file    
278118 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non_QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) This loan is FHA. MI Certificate is missing from the loan file.    
278118 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
278118 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer Document is missing from the loan file.    
278118 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from the loan file    
278118 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non_QM QC Complete Ohio $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
278118 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non_QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
37673167 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non_QM QC Complete Illinois $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure is missing from the loan file.    
37673167 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx Non_QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) ComplianceEase Risk Indicator is "Elevated" due to:

This loan failed the seller-paid points and fees exception test. This loan is subject to legislation that takes into account points and fees that were paid by the seller in a loan transaction. No information was provided for "Seller-Paid Points and Fees" on this loan, and thus calculations on this report do not take seller-paid points and fees into account. This exception does not appear when a dollar amount, including $0, is explicitly provided for "Seller-Paid Points and Fees."		    
37673167 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
37673167 xx xx xx 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f 561 561-3210 xx Non_QM QC Complete Illinois $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Not all borrowers signed TIL (Lvl 2) Final TIL is not signed by the borrower.    
37673167 xx xx xx 08f7f0be-f4cf-4d4e-8244-193c7542c212 561 561-3210 xx Non_QM QC Complete Illinois $xx Compliance Doc Issues Active 3: Curable * Not all borrowers signed HUD (Lvl 3) Final HUD is not signed by the borrower.    
37673167 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non_QM QC Complete Illinois $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account disclosure is missing from the loan file.    
37673167 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete Illinois $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer Disclosure is missing from the loan file.    
37673167 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete Illinois $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from the loan file    
37673167 xx xx xx 57ebb2cd-7596-4166-9bd9-6f932a9e2595 561 561-3210 xx Non_QM QC Complete Illinois $xx Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
15506750 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non_QM QC Complete New York $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) The TIL is missing from the loan file. However, we consider APR as 0.00%.    
15506750 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non_QM QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
15506750 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
15506750 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non_QM QC Complete New York $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
15506750 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete New York $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan file.    
15506750 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
15506750 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non_QM QC Complete New York $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with Estimated HUD-1 and Itemization is missing from the loan files.    
1614265 xx xx xx 411fa7d7-c445-4fa7-9dc2-654417d64e3c 561 561-3210 xx Non_QM QC Complete North Carolina $xx Valuation Property Active 3: Curable * Property is Mobile Home (Lvl 3) The subject property is a mobile home. The legal description of the subject mortgage mentions the Serial Number as xx. However, No Manufactured Home Affidavit of Affixation is attached with the Mortgage copy. The final title policy is available in the loan file that doesn’t have ALTA-7 for Manufactured Home.    
1614265 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
1614265 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
1614265 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
1614265 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
1614265 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Disclosure is missing from the loan file.    
1614265 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) ComplianceEase Risk Indicator is "Elevated"-  This loan failed the NC rate spread home loan test. ( NC GS §24-1.1F(a)(7) ) The loan is a rate spread home loan, as defined in the legislation. For more information please see the North Carolina Rate Spread Home Loan Article section of the full ComplianceAnalyzer report. While the North Carolina Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met.    
16969700 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report Document is missing from the loan file.    
16969700 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non_QM QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The final loan application is missing from the loan files.    
85247157 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete Oklahoma $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report document is missing from the loan file.    
85247157 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non_QM QC Complete Oklahoma $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
85247157 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non_QM QC Complete Oklahoma $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home is not affixed. An Appraisal Report at the origination located at “xx” shows the type of subject property as a manufactured home. However, the Affidavit of Affixation is not available in the loan file. The ALTA 7 Endorsement is not attached with the final title policy. However, the SN#xx is available in the legal description of the recorded mortgage.    
85247157 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete Oklahoma $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer Document is missing from the loan file.    
7068966 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form disclosure is missing from the loan file.    
7068966 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete Nevada $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
7068966 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete Nevada $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
7068966 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non_QM QC Complete Nevada $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrowers.    
7068966 xx xx xx d4754c69-175b-4016-ad01-2af377fb480c 561 561-3210 xx Non_QM QC Complete Nevada $xx Compliance Compliance Active 3: Curable * Missing HELOC Disclosures (RESPA) (Lvl 3) Following HELOC disclosures are missing from the loan file.
Disbursement sheet/Fees sheet/ Fee statement
HELOC booklet		    
7068966 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non_QM QC Complete Nevada $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
15175894 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non_QM QC Complete New Mexico $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
15175894 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non_QM QC Complete New Mexico $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The Final 1003 as well as 1008 is missing in the loan file , However the values are taken as note date and loan amount.    
15175894 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete New Mexico $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
15175894 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non_QM QC Complete New Mexico $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing in the loan file.    
15175894 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete New Mexico $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
15175894 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete New Mexico $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
15175894 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non_QM QC Complete New Mexico $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in New Mexico State. The required state disclosure Freedom to Choose Insurance Company and Insurance Professional missing from the loan file.    
15175894 xx xx xx 145d6e17-2165-4f5a-8058-8c02e362107f 561 561-3210 xx Non_QM QC Complete New Mexico $xx Compliance Compliance Active 4: Unacceptable * The property is located in a state that has unlimited assignee liability for High cost loans and HUD-1/FCD is missing to test the compliance (Lvl 4) This loan is from the State of New Mexico which has unlimited assignee liability for State high cost and we are unable to test compliance due to missing HUD.    
15175894 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non_QM QC Complete New Mexico $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final Hud-1 along with itemization and estimated HUD are missing from the loan file.    
15175894 xx xx xx 411fa7d7-c445-4fa7-9dc2-654417d64e3c 561 561-3210 xx Non_QM QC Complete New Mexico $xx Valuation Property Active 4: Unacceptable * Property is Mobile Home (Lvl 4) Home is not affixed.
An appraisal report is missing from the loan file. However, tape data shows that the subject property is mobile home. Also, as per the latest BPO report located at “xx” , the subject property is mobile home. Legal description of mortgage located at xx does not show VIN#. Final title policy at the time of origination located at xx does not have an attached Alta 7 endorsement. Affidavit of affixation is missing from the loan file.		    
97624594 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from loan file.
Amortization Schedule Disclosure
Credit Property Insurance Disclosure
Fee Agreement
Priority of Security Instrument Disclosure
Attorney Selection Disclosure		    
97624594 xx xx xx 613834f7-95c5-41c1-9d96-b0fe90fa7b84 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State/Local Predatory Test Failed (Lvl 2) The CE risk indicator is Significant as the loan is failing for NC Rate Spread Home Loan Test. It exceeds NC RSHL Modified HMDA APR Threshold and NC RSHL Conventional Mortgage Rate APR Threshold.
1) NC RSHL Modified HMDA APR Threshold test: -   Loan data 12.430% Comparison data 7.530%Variance + 4.900%.
2) NC RSHL Conventional Mortgage Rate APR Threshold test: - Loan data 12.431% Comparison data 6.560% Variance 5.871%.
3) NC RSHL Average Prime Offer Rate APR Threshold test- Loan data 12.431% Comparison data 6.410% Variance 6.021%.		    
97624594 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non_QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The Final Loan application is missing along with the Initial loan application from loan file.    
97624594 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
97624594 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from loan file.    
97624594 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) The CE risk indicator is Critical as the loan is failing for the HOEPA higher-priced mortgage loan test & HOEPA higher-priced mortgage loan document type test.
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the HOEPA higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higherpriced mortgage loans even if the additional conditions are met.
The loan data is 12.431% and comparison data is 6.410%; hence, the variance is +6.021%.		    
97624594 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) The ROR is not hand dated by borrower.    
97624594 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $158,670.60. The disclosed finance charge of $155,280.65 is not considered accurate because it is understated by more than $100.
The loan data is $155,280.65 and comparison data is $158,670.60; hence, the variance is -$3,389.95. Subject loan is a refinance, originated on xx/xx/2011 and the SOL is 3 years.

This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $158,670.60. The disclosed finance charge of $155,280.65 is not considered accurate for purposes of rescission because it is understated by more than $35.
The loan data is $155,280.65 and comparison data is $158,670.60; hence, the variance is -$3,389.95. Subject loan is a refinance, originated onxx/xx/2011 and the SOL is 3 years.		    
97624594 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Notice of servicing transfer document is missing from loan file.    
97624594 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business Disclosure is missing from loan file.    
9711372 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non_QM QC Complete Kentucky $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan file.    
9711372 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete Kentucky $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer disclosure is missing from the loan file.    
9711372 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non_QM QC Complete Kentucky $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
9711372 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete Kentucky $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
9711372 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non_QM QC Complete Kentucky $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 8.248%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.    
9711372 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete Kentucky $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
9711372 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non_QM QC Complete Kentucky $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 8.248%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.    
63969283 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non_QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in New York. The following disclosures are missing from the loan file.
NY Consumer Credit Disclosure / Fair Credit Reporting Notice
NY Interest Rate Disclosure
NY Hazard Insurance  Disclosure
Tax Escrow Account Designation
Mortgage Bankers and Exempt Organizations Preapplication
Co-Signer Notice Requirements
Default Warning Notice
Commitment Disclosure
Lock-in Disclosure
Expiration of Lock-in or Commitment Period		    
63969283 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete New York $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan file.    
43054847 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non_QM QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in Indiana State. The following required state disclosures are missing from the loan file.
1. Hazard Insurance Disclosure
2. Federal Consumer Credit Protection Act Disclosure
3. Insurance Freedom of Choice Disclosure		    
43054847 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non_QM QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the Indiana license validation test.
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and
subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending
License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated
UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with
a closing date before the Act's effective date of January 1, 2009.		    
43054847 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non_QM QC Complete Indiana $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) The loan is FHA Fixed loan. However the MI certificate document is missing from the loan file.    
43054847 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx Non_QM QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test.
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and
subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending
License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated
UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with
a closing date before the Act's effective date of January 1, 2009.		    
81695218 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non_QM QC Complete Pennsylvania $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
81695218 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non_QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 3.972%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.    
81695218 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non_QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is "Moderate" due to:

This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 3.972%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
81695218 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non_QM QC Complete Pennsylvania $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account disclosure is missing from the loan file.    
81695218 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete Pennsylvania $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer Disclosure is missing from the loan file.    
81695218 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
81695218 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non_QM QC Complete Pennsylvania $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure is missing from the loan file.    
50851204 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
50851204 xx xx xx 57ebb2cd-7596-4166-9bd9-6f932a9e2595 561 561-3210 xx Non_QM QC Complete Michigan $xx Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) TIL is not hand dated by borrower.    
50851204 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non_QM QC Complete Michigan $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
50851204 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete Michigan $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer disclosure is missing from the loan file.    
50851204 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete Michigan $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file.    
50851204 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non_QM QC Complete Michigan $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program Disclosure is missing from the loan file.    
90294101 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non_QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account disclosure is missing from the loan file.    
90294101 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
90294101 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
90294101 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer disclosure is missing from the loan file.    
17837450 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
17837450 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete Illinois $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer document is missing from the loan file    
17837450 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non_QM QC Complete Illinois $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file.    
17837450 xx xx xx 08f7f0be-f4cf-4d4e-8244-193c7542c212 561 561-3210 xx Non_QM QC Complete Illinois $xx Compliance Doc Issues Active 3: Curable * Not all borrowers signed HUD (Lvl 3) The final HUD-1 is not signed by the borrower and some points and fees are missing as it’s not properly scanned.    
17837450 xx xx xx 57ebb2cd-7596-4166-9bd9-6f932a9e2595 561 561-3210 xx Non_QM QC Complete Illinois $xx Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
87867268 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
87867268 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non_QM QC Complete Pennsylvania $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
87867268 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non_QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
67149333 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete Mississippi $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business is missing from the loan file    
67149333 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non_QM QC Complete Mississippi $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file    
67149333 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx Non_QM QC Complete Mississippi $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) ComplianceEase Risk Indicator is "Elevated" due to This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds    
67149333 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete Mississippi $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan file    
62962639 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
62962639 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non_QM QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Estimated HUD and Fee itemization are also missing from the loan file.    
62962639 xx xx xx 145d6e17-2165-4f5a-8058-8c02e362107f 561 561-3210 xx Non_QM QC Complete New Jersey $xx Compliance Compliance Active 4: Unacceptable * The property is located in a state that has unlimited assignee liability for High cost loans and HUD-1/FCD is missing to test the compliance (Lvl 4) This loan is from the State NJ which has unlimited assignee liability for State high cost and we are unable to test compliance due to missing HUD.    
62962639 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non_QM QC Complete New Jersey $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
62962639 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non_QM QC Complete New Jersey $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal at origination is missing from the loan file.    
62962639 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non_QM QC Complete New Jersey $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) This loan is FHA. The loan was originated on xx/xx/2009. MI Cert is required but MI Cert is missing from the loan file.    
62962639 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non_QM QC Complete New Jersey $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
62962639 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete New Jersey $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
62962639 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete New Jersey $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file    
62962639 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non_QM QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
32417705 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file    
32417705 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non_QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida. The following disclosures are missing from the loan file.
Anti-Coercion Notice
Radon Gas Disclosure
Insurance Sales Disclosure		    
32417705 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non_QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
32417705 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non_QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL Loan Data $108,047.65 Comparison Data $108,193.97 Variance -$146.32.
This loan failed the TILA finance charge test.
The finance charge is $108,193.97. The disclosed finance charge of $108,047.65 is not considered accurate because it is
understated by more than $100.
TILA Foreclosure Rescission Finance Charge Test: FAIL Loan Data $108,047.65 Comparison Data $108,193.97 Variance -$146.32.
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $108,193.97. The disclosed finance charge of $108,047.65 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
32417705 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non_QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.
This loan failed the TILA foreclosure rescission finance charge test.		    
32417705 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non_QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application / 1003 is missing from the loan file.    
32417705 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non_QM QC Complete Florida $xx Valuation Property Active 4: Unacceptable * Property is Manufactured Housing (Lvl 4) Home is not affixed. An Appraisal Report at the origination located at “xx” shows the type of subject property as a manufactured home. However, the Affidavit of Affixation is not available in the loan file. The ALTA 7 Endorsement is not attached with the final title policy. Also, the VIN# is not available in the legal description of the recorded mortgage. A collections comment does not reflect any information regarding Manufactured Housing whether it is attached to a permanent foundation system or not. Hence, unable to determine whether the home is attached to the permanent foundation.    
99063057 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non_QM QC Complete Kentucky $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) The loan is FHA, fixed loan. However the MI certificate document is missing from the loan file.    
99063057 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete Kentucky $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
99063057 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx Non_QM QC Complete Kentucky $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan failed the loan origination fee test.
The loan origination fee is greater than 1% of the original principal amount. Mortgagors may not be charged an origination fee greater than one percent on forward mortgages.		    
99063057 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non_QM QC Complete Kentucky $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in the KY state. The following state disclosures are missing from the loan file:
1. Fair Housing Notice
2. Homeownership Protection Center Disclosures
3. Notice of Free Choice of Agent or Insurer		    
99063057 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete Kentucky $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file    
37782042 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in North Carolina State. The following required state disclosures are missing from the loan file.
1. Amortization Schedule Disclosure
2. Credit Property Insurance Disclosure
3. Fee Agreement
4. Priority of Security Instrument Disclosure
5. Attorney Selection Disclosure		    
37782042 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file    
37782042 xx xx xx 613834f7-95c5-41c1-9d96-b0fe90fa7b84 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State/Local Predatory Test Failed (Lvl 2) The CE risk indicator is Significant as the loan is failing for NC Rate Spread Home Loan Test. It exceeds NC RSHL Modified HMDA APR Threshold and NC RSHL Conventional Mortgage Rate APR Threshold.
1) NC RSHL Modified HMDA APR Threshold test: -   Loan data 8.000% Comparison data 7.300% Variance + 0.700%.
2) NC RSHL Conventional Mortgage Rate APR Threshold test: - Loan data 8.000% Comparison data 7.790% Variance 0.210%.
This loan failed the DTI provided test.
This loan failed the documentation type test.		    
37782042 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
37782042 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non_QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The Final 1003 as well as 1008 is missing in the loan file , However the values are taken as note date and loan amount.    
28671542 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) A copy of Intent to Proceed document is missing from the loan documents.    
28671542 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file    
28671542 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) A copy of Rate Lock Document is missing from the loan documents.    
28671542 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) Loan failed the Higher-Priced Mortgage Loan Test due to APR Charged 7.157% APR Threshold 5.740 Over by +1.417%..
Loan failed the Qualified Mortgage Safe Harbor Threshold due to APR Charged 7.157% APR Threshold 4.740% Over by +2.417%.
The revised loan estimate receipt date is provided on xx/xx/2016 and the revised loan estimate receipt date is less than four business days.
This loan failed the revised loan estimate delivery date test (prior to consummation) due to the revised loan estimate delivery date xx/xx/2016 which is less than seven business days.
A qualified mortgage is a covered transaction that provides for regular periodic payments that are substantially equal, except for the effect that any interest rate change after consummation has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not allow the consumer to defer repayment of principal. This loan is an interest only loan or a graduated payment mortgage.
This loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt date was not provided) that is on or before any loan estimate delivery date.		    
28671542 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) A copy of Initial Application document is missing from the loan documents.    
28671542 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) A copy of Affiliated Business Disclosure document is missing from the loan documents.    
28671542 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete California $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) A copy of Transmittal document is missing from the loan documents.    
28671542 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Loan failed the Higher-Priced Mortgage Loan Test due to APR Charged 7.157% APR Threshold 5.740 Over by +1.417%..

Loan failed the Qualified Mortgage Safe Harbor Threshold due to APR Charged 7.157% APR Threshold 4.740% Over by +2.417%.		    
28671542 xx xx xx c56299d8-a56d-4ee2-ba5d-9e8408623724 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase RESPA Test Failed (Lvl 3) The revised loan estimate receipt date is provided on xx/xx/2016 and the revised loan estimate receipt date is less than four business days.

This loan failed the revised loan estimate delivery date test (prior to consummation) due to the revised loan estimate delivery date xx/xx/2016 which is less than seven business days.

A qualified mortgage is a covered transaction that provides for regular periodic payments that are substantially equal, except for the effect that any interest rate change after consummation has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not allow the consumer to defer repayment of principal. This loan is an interest only loan or a graduated payment mortgage.

This loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt date was not provided) that is on or before any loan estimate delivery date.		    
28671542 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete California $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) A copy of DU/GUS/AUS document is missing from the loan documents.    
28671542 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final Disclosure document reflect settlement date xx/xx/2016. However, Note document reflect date xx/xx/2016..    
49772334 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Doc Issue Active 3: Curable * Final TIL Missing or Not Executed (Lvl 3) Final TIL Is missing from loan file.    
49772334 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Disclosure document is missing from the loan documents.    
49772334 xx xx xx 454cf3a6-ce47-479d-bc71-dc48f26d7431 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Good Faith Estimate is Missing (Lvl 2) Initial Good Faith Estimate is missing from loan documents.    
49772334 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing or error on the Rate Lock Document (Lvl 2) Rate Lock Agreement is missing from the loan documents.    
49772334 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Ohio $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) The appraisal Report is missing from the loan documents    
49772334 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer document is missing from the loan file.    
49772334 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan documents.    
49772334 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Intent to Proceed Missing  (Lvl 2) Intent to proceed document is missing from the loan documents.    
49772334 xx xx xx b16afc0c-7da0-45b1-b058-c1523d92e91b 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Til is missing in loan file (Lvl 2) Final Truth in Lending Disclosure is missing from loan documents.    
49772334 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Underwriting Active 2: Acceptable with Warnings * Transmittal (1008) is Missing (Lvl 2) Final Transmittal  Summary (1008) is missing from the loan file.    
49772334 xx xx xx 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Doc Issue Active 3: Curable * Good Faith Estimate missing or unexecuted (Lvl 3) Initial Good Faith Estimate is missing from loan documents.    
49772334 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final 1003 Application is missing from the loan documents.    
49772334 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial 1003 application is missing from loan file.    
93737820 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file    
93737820 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated Business Form is missing from loan document.    
96298247 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated.    
96298247 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) ComplianceEase TILA Test Failed-

This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h) )The finance charge is $296,509.43. The disclosed finance charge of $296,460.39 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
96298247 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non_QM QC Complete North Carolina $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Property Appraisal Report is missing from the loan file.    
96298247 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is "Moderate"-

This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h) )The finance charge is $296,509.43. The disclosed finance charge of $296,460.39 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
96298247 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file    
96298247 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non_QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
96298247 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing.    
78653131 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock Agreement is missing from the Loan Documents.    
98820957 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Disclosure is missing from the loan documents.    
98820957 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Indiana $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial Application is missing from the loan documents.    
98820957 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial LE is missing from the loan documents.    
98820957 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Indiana $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS is missing from the loan documents.    
98820957 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Servicing transfer disclosure is missing from the loan documents.    
98820957 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Indiana $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal is missing from the loan documents.    
98820957 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure is missing from the loan documents.    
98820957 xx xx xx 42fa4669-fe5d-412e-9c32-21b87047de7c 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * Revised Loan Estimate is missing (Lvl 3) Revised LE is missing from the loan documents.    
98820957 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete Indiana $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final Application is missing from the loan documents.    
98820957 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Indiana $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard insurance covering the closing date is missing from the loan documents.    
98820957 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Indiana $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI Certificate is missing in the loan file.    
98820957 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) Test incomplete as initial disclosures are missing.    
98820957 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) ITP is missing from the loan documents.    
98820957 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (6.375%) is exceeded APOR (6.060%) by 0.315%. The APR threshold is 6.060% and the subject loan is escrowed one.

Qualified Mortgage Safe Harbor Threshold: FAIL     Charged: 6.375%    Allowed: 6.060%    Over by: +0.315%		    
98820957 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial CD is missing from the loan documents.    
98820957 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow account disclosure is missing in the loan file.    
98820957 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Indiana $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) 1008 is missing from the loan documents.    
98820957 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
98820957 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
  
Higher-Priced Mortgage Loan Test: FAIL      Charged: 6.375%      Allowed: 6.060%     Over by: +0.315%		    
98820957 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Indiana $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) The subject property is Manufacted Home.  As per Affidavit if Affixation document located at” xx”the unit has been permanently affixed to a foundation. The Deed of Trust/Mortgage shows VIN# xx.    
98820957 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Indiana $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in Loan File    
54412000 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Required Affiliated Business Disclosure is missing from the loan documents.    
54412000 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to Proceed document is missing from the loan documents.    
54412000 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial Closing Disclosing Disclosure is missing from the loan documents.    
54412000 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of Servicing Transfer is missing from the loan documents.    
54412000 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial Application 1003 is missing from the loan documents.    
54412000 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final Application 1003 is missing from the loan documents.    
54412000 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing Required State Disclosures (Lvl 3) Required Settlement Service Provider list is missing from the loan documents.    
54412000 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in Loan File    
54412000 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal (1008) is missing from the loan documents.    
54412000 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial Loan Estimate is missing from the loan documents.    
54412000 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan documents.    
54412000 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final Closing Disclosure is missing from the loan documents.    
54412000 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
66588137 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete Mississippi $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
66588137 xx xx xx 140f46bf-c52f-473f-8d76-08a0744ba53f 561 561-3210 xx Non_QM QC Complete Mississippi $xx Credit DTI Active 2: Acceptable with Warnings * DTI > 60% (Lvl 2) As per Final 1003 dated xx/xx/2006, the total monthly income is in the amount of $4,554.00 and the total monthly expenses are in the amount of $2,439.85. Hence, DTI is exceeding xx%.    
66588137 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non_QM QC Complete Mississippi $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) This loan is FHA. MI Certificate is missing from the loan file.    
66588137 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete Mississippi $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer Document is missing from the loan file.    
65839935 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non_QM QC Complete Connecticut $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
65839935 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non_QM QC Complete Connecticut $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
65839935 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non_QM QC Complete Connecticut $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with estimated HUD-1 and itemization are missing from the loan file.    
62511667 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer disclosure is missing from the loan file.    
62511667 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file.    
62511667 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non_QM QC Complete North Carolina $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An Appraisal report at origination is missing from the loan file.    
62511667 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non_QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
62511667 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non_QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
62511667 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right of Rescission is missing from the loan file.    
62511667 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
31086361 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non_QM QC Complete New York $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal at the origination is missing from the loan file.    
31086361 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from loan files.    
31086361 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete New York $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from loan files.    
31086361 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non_QM QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) This is FHA Loan and required MI certificate is missing from the loan file.    
95403409 xx xx xx 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf 561 561-3210 xx Non_QM QC Complete Illinois $xx Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) LTV/ CLTV is exceeds xx%.    
95403409 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non_QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $137,917.16. The disclosed finance charge of $137,758.81 is not considered accurate because it is understated by more than $100.
The loan data is $137,758.81 and comparison data is $137,917.16; hence, the variance is -$158.35.		    
95403409 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx Non_QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) The loan is failing for the HOEPA higher-priced mortgage loan test & HOEPA higher-priced mortgage loan document type test.
1. HOEPA higher-priced mortgage loan test.
Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in
Regulation Z. While the HOEPA higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higherpriced mortgage loans even if the additional conditions are met.
The loan data is 6.478% and comparison data is 6.430%; hence, the variance is +0.048%.
2. HOEPA higher-priced mortgage loan document type test.
The loan is a higher-priced mortgage loan and the document type of the loan is "No Asset Verification," "No Asset or
Income Verification," "No Documentation," "No Income Verification," "Reduced," or "Streamline Refinance;"		    
95403409 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non_QM QC Complete Illinois $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing in the loan file.    
95403409 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing in the loan file.    
95403409 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete Illinois $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing transfer disclosure is missing in the loan file.    
95403409 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non_QM QC Complete Illinois $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The final Loan application is missing in the loan file.    
95403409 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx Non_QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the documentation type test.
The loan's document type is "No Documentation," "No Asset Verification," "No Asset or Income Verification," "No Income Verification," or "Reduced," or the document type is not provided.		    
95403409 xx xx xx 249ccfc8-8061-4638-a74f-933a4ad40fc5 561 561-3210 xx Non_QM QC Complete Illinois $xx Credit Legal Docs Active 3: Curable * Loan has escrow holdback. No proof it was released (Lvl 3) According to Final HUD-1, there is Holdback for the amount of $xx. However, there is no proof for release of Escrow Holdback.    
68120633 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non_QM QC Complete North Carolina $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
68120633 xx xx xx d4754c69-175b-4016-ad01-2af377fb480c 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing HELOC Disclosures (RESPA) (Lvl 3) Following HELOC disclosures are missing from the loan file.
Disbursement sheet/Fees sheet/ Fee statement
HELOC booklet		    
68120633 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non_QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
68120633 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form disclosure is missing from the loan file.    
68120633 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
42584976 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
42584976 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non_QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) This is FHA loan and the required MI Cert is missing from the loan file.    
42584976 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non_QM QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow Account Disclosure is missing from the loan file.    
42584976 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx Non_QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan failed the seller-paid points and fees exception test. This loan is subject to legislation that takes into account points and fees that were paid by the seller in a loan transaction. No information was provided for "Seller-Paid Points and Fees" on this loan, and thus calculations on this report do not take seller-paid points and fees into account. This exception does not appear when a dollar amount, including $0, is explicitly provided for "Seller-Paid Points and Fees."    
21321186 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non_QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 4.269%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.    
21321186 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non_QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan file. That why we consider APR as 0.00%.    
21321186 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non_QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is "Moderate" due to This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 4.269%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.    
21321186 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan file.    
21321186 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
39607148 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non_QM QC Complete Nebraska $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
10417575 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non_QM QC Complete Wisconsin $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Loan application is missing from the loan file.    
29236119 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete Connecticut $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing.    
29236119 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non_QM QC Complete Connecticut $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated.    
89673650 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from loan files.    
89673650 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non_QM QC Complete Michigan $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal at the origination is missing from the loan file.    
89673650 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non_QM QC Complete Michigan $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The Final 1003 (Application) is missing from the loan file.    
5221925 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non_QM QC Complete South Carolina $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home has not been affixed. As per the Appraisal report dated xx/xx/2008xx, the subject property is Manufactured Housing. However, the Affidavit of Affixation is not available in the loan file. The Final Title policy available in the loan file but no ALTA -7 endorsements attached. However, the VIN# is available in the legal description of the recorded mortgage. The VIN# is xx.    
5221925 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non_QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business form Disclosure is missing from the loan file.    
5221925 xx xx xx 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf 561 561-3210 xx Non_QM QC Complete South Carolina $xx Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) The Appraised value per Appraisal is $xx and the loan amount is $xx. Hence the LTV is calculated as xx% which is exceeding xx%.    
5221925 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non_QM QC Complete South Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Disclosure is missing from the loan file.    
5221925 xx xx xx 5b7706a0-5e0e-433e-94be-b0b0fbcc0702 561 561-3210 xx Non_QM QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing required 1-4 family rider (Lvl 2) 1-4 Family rider is missing from the loan file.    
5221925 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non_QM QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The final Application is missing from the loan file.    
5221925 xx xx xx 08f7f0be-f4cf-4d4e-8244-193c7542c212 561 561-3210 xx Non_QM QC Complete South Carolina $xx Compliance Doc Issues Active 3: Curable * Not all borrowers signed HUD (Lvl 3) Final HUD-1 was not signed by the borrower.    
93587494 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the TRID disclosure dates and personal delivery validation test. This loan contains a  Revised Closing Disclosure Receipt Date (xx/xx/2020) that is after the Revised Closing Disclosure Delivery Date (xx/xx/2020). However, the method of delivery is marked as "xx."    
93587494 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE Risk indicator is "Moderate" since this loan failed the TRID disclosure dates and personal delivery validation test. This loan contains a  Revised Closing Disclosure Receipt Date (xx/xx/2020) that is after the Revised Closing Disclosure Delivery Date (xx/xx/2020). However, the method of delivery is marked as "Personal."    
93587494 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that HBEC obtained post closing, MI coverage is xx% when xx% was required.    
64882923 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Maine $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
64882923 xx xx xx 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c 561 561-3210 xx Non-QM QC Complete Maine $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Good Faith Estimate missing or unexecuted (Lvl 2) Final Good Faith Estimate is missing from the loan file.    
64882923 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Maine $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer Document is missing from the loan file.    
30405262 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape data reflects,"VA Seasoning requirements not met for modified loan."To validate the issue supporting document is missing.    
30405262 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial Closing Disclosure is missing from the loan files.    
30405262 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase TRID Tolerance test is failed due to Initial Closing Disclosure is missing from the loan files.    
30405262 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $177,134.81. Calculated Finance Charge $182,623.38 for an under disclosed amount of $5,488.57.  Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing.

Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.		    
30405262 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Final Transmittal summary is missing from the loan files.    
55198783 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test.

transferred from 12 CFR §226.15(a)(3) )
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 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.

Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.		    
55198783 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) Loan fails ComplianceEase Higher priced mortgage loan test. APR Calculated 4.758% APR Threshold 4.350% Over By +0.408%.    
55198783 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the Loan Documents    
62592325 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing Required State Disclosures (Lvl 3) Required disclosure Settlement Service Provider List is missing from loan documents.    
62592325 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan has failed TILA Finance Charge Test and TILA Foreclosure Rescission Finance Charge Test.

The disclosed finance charge is $192,907.28 and allowed is $193,057.28 however it is under charged by $150.00. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.		    
62592325 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Service Transfer is missing from loan documents.    
62592325 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliate Business Disclosure is missing from loan documents.    
62592325 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) Test Incomplete as Initial LE is missing.    
62592325 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account is missing from loan documents.    
62592325 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to Proceed disclosure is missing from loan documents.    
62592325 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock agreement is missing from loan documents.    
62592325 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 4: Unacceptable * Loan does not conform to program guidelines (Lvl 4) Seller tape reflects the following issue,"xx re-pended for a missing page from title, POA and Alive and Well and was during a time where Seller was overwhelmed in post-closing. While trying to clear with xx the Note aged out and was unable to be purchased. Everything was resolved but xx would not make an exception over 90 days. We couldn’t get the Alive & Well statement from supervisor in Germany, tried for months," Supporting document to validate the issue is missing from loan documents. Tape says insured. Loan may be uninsured.    
62592325 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial Loan Estimate is missing from loan documents.    
53761976 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan fails Qualified Mortgage Safe Harbor Threshold test APR Calculated 5.168% APR Threshold 4.840% Over By +0.328%    
53761976 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan fails ComplianceEase Higher priced mortgage loan test. APR Calculated 5.168% APR Threshold 4.840% Over By +0.328%. Missing Higher Priced Mortgage Loan Disclosure signed by Borrower(s).    
53761976 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Written list Service provider documents is missing from the loan files.    
53761976 xx xx xx 42fa4669-fe5d-412e-9c32-21b87047de7c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Revised Loan Estimate is missing (Lvl 3) Revised Loan Estimate is missing from the loan file.    
53761976 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from loan file.    
53761976 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer is missing from loan file.    
53761976 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI cert is missing from loan file.    
53761976 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard Insurance document is missing from loan file.    
53761976 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership Counseling disclosure is missing from the loan file.    
53761976 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue: NC Housing loan that had Confusion around required documentation. A L E was not created for the 2nd lien and needed to be created in suspense and signed, parcel # on the appraisal needed to be corrected to match the other docs, all during a time where seller was overwhelmed in post post-closing and the Note aged before we could clear. Everything was resolved but NC Housing would not make an exception over 90 days. Recording and re recording 2 or 3 times and could not get them back due to Covid delays at county, we even had NC housing review the docs prior to re-recording, then they wanted corrections again, signature county delays, then they wouldn't give an exception for aged.                                                       Supporting documents to validate the issue is missing from the loan documents.    
53761976 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial Loan Estimate is missing from loan file.    
53761976 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow acct disclosure is missing from loan file,    
53761976 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase TRID Tolerance test is Incomplete due to Initial Loan Estimate is missing from the loan files and Initial application Loan origination signed on xx/xx/2020.    
85123019 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account Disclosure is missing from the loan documents.    
85123019 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Required Affiliated Business Disclosure is missing from the loan documents.    
85123019 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to Proceed is missing from the loan documents.    
85123019 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of Servicing Transfer is missing or un executed from the loan documents.    
85123019 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase TRID Tolerance Test is Incomplete due to Initial Loan Estimate is missing from the loan documents and Initial Application loan originator signed on xx/xx/2020.    
85123019 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial Loan Estimate is missing from the loan documents.    
85123019 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Settlement Service Provider List is missing from the loan document.    
85123019 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
85123019 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Final Transmittal Summary is missing from the loan files.    
85123019 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape reflects the following issue is, "There was a CD disclosure date/tracking issue in the Data Upload that couldn’t be resolved. When it was resolved, the loan was too seasoned for purchase", Supportive Document to validate is missing from the loan documents.    
85123019 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership Counseling disclosure is missing from the loan files.    
36589164 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from Loan Document.    
36589164 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Acct Disclosure is missing from Loan Document.    
36589164 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of Servicing transfer is missing from Loan Document.    
36589164 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) The Affiliated Business Disclosure missing.    
36589164 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Borrower ineligible for FHA loan for not meeting income requirements.    
36589164 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to Proceed is missing from Loan Documents.    
36589164 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Final Transmittal Summary is missing from the loan files.    
36589164 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Missing Settlement Services Provider List.    
36589164 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial Loan Estimate is missing from Loan Documents.    
36589164 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership Counseling disclosure is missing from the loan files.    
36589164 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplinaceEase TRID Tolerance Test is Incomplete due to Initial Loan Estimate is missing from the loan documents and Loan Originator signed on xx/xx/2020    
50508192 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx   QC Complete Arizona $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) The subject property is a Manufactured Home and there is a recorded copy of Manufactured Home Rider xx and Manufactured Home Affidavit of Affixationxx are attached with the subject mortgage and it has a Serial#xx but no ALTA -7.1 is on final title policy xx for Manufactured Home.  The Appraisal report at origination is also stating that the Manufactured Home was attached to the permanent foundation system and towing hitch, wheels, & axles had been removed.    
50508192 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx   QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.

Higher-Priced Mortgage Loan Test: FAIL     Charged: 5.493%      Allowed: 4.740%      Over by: +0.753%		    
50508192 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx   QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) CE was run through ComplianceEase website-

This loan failed the revised closing disclosure delivery date test (no waiting period required). The revised closing disclosure delivery does not require a new waiting period and the revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement.

Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.		    
50508192 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx   QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE was run through ComplianceEase website-

CE Risk indicator is "Moderate" since this loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (5.493%) is exceeded APOR (4.740%) by 0.753%. The APR threshold is 4.740% and the subject loan is escrowed one.
 
Qualified Mortgage Safe Harbor Threshold Test: FAIL     Charged: 5.493%      Allowed: 4.740%      Over by: +0.753%		    
50508192 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx   QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) A copy of Homeownership Counseling disclosure is missing from the loan file.    
50508192 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan was closed without the property type reflected as a "Manufactured Home" on the final AUS/DU. Correcting the property type to a "Manufactured Home" resulted in "Refer with Caution" findings.    
50508192 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx   QC Complete Arizona $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) The subject loan is required MI Cert but no such copy is in the loan file.    
50508192 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx   QC Complete Arizona $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) The provided Seller’s tape is showing an alert that the subject loan was closed without the property type reflected as a "Manufactured Home" on the final AUS/DU. Correcting the property type to a "Manufactured Home" resulted in "Refer with Caution" findings. There is a copy of post closing AUS/DU in the loan file (Loactor#xx) with the recommendation of "Refer with Caution." Loan was originally approve/eligible at xx%.    
50508192 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx   QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the TRID disclosure dates and personal delivery validation test. This loan contains a  Revised Closing Disclosure Receipt Date (xx/xx/2021) that is after the Revised Closing Disclosure Delivery Date (xx/xx/2021). However, the method of delivery is marked as "Personal."    
17925961 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 1: Acceptable * Intent to Proceed Missing  (Lvl 1) Copy of intent proceed is missing from loan documents.    
17925961 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller tape data reflects following issue "Title Issue Cleared, but aged Note". However, supporting document to validate the issue is missing from loan files.    
17925961 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing proof of hazard insurance (Lvl 2) Required Hazard insurance proof at the origination time is missing from loan file. However , hazard insurance policy is located at xx which shows that coverage period is xx/xx/2018 to xx/xx/2019.    
17925961 xx xx xx 5cb32bc6-6817-40b3-bf5e-122771c92d82 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Credit Active 2: Acceptable with Warnings * Required Documentation Missing or Incomplete  (Lvl 2) Home Loan Toolkit is missing from loan file.    
17925961 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the Pennsylvania license validation test. (PA HB 2179 Section 6111)
The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a
closing date before November 5th, 2008. Additionally, the Pennsylvania First Mortgage Banker License, Pennsylvania Secondary
Mortgage Loan License, Pennsylvania Unlicensed (Subordinate Lien), and Pennsylvania Exemption Letter are not available for
loans with a closing date on or after January 1st, 2009.		    
17925961 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Copy of borrower signed rate lock agreements is missing from loan documents.    
17925961 xx xx xx b06dde1c-905f-4404-a416-ae2c918d0fa1 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Title Policy Active 3: Curable * Missing Final Title Policy with applicable Alta endorsements. (i.e., Alta 8.1, 9) (Lvl 3) Copy of final title policy is missing from loan documents. However commitment for title is available at xx.    
17925961 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing flood cert (Lvl 2) Copy of flood certificate is missing from loan documents.    
17925961 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Subject property is Manufactured and proof of Affixation of the property permanently to the land is available in the loan documents (xx xx)    
17925961 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the Pennsylvania license validation test. (PA HB 2179 Section 6111)
The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a
closing date before November 5th, 2008. Additionally, the Pennsylvania First Mortgage Banker License, Pennsylvania Secondary
Mortgage Loan License, Pennsylvania Unlicensed (Subordinate Lien), and Pennsylvania Exemption Letter are not available for
loans with a closing date on or after January 1st, 2009.		    
85302726 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Settlement service provider list is missing from the loan files.    
85302726 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue,1st Homebuyer Counseling Certificate Missing.Supporting document to validate the issue is missing from the loan documents.    
85302726 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Initial CD dated xx/xx/2020. Revised LE#1 dated xx/xx/2020 reflect Points - Loan Discount Fee at $1,861.00, However, Initial CD dated xx/xx/2020 reflect Points - Loan Discount Fee at $1,861.43 This is fee increase of $0.43 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents.    
85302726 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Initial CD dated xx/xx/2020. Revised LE#1 dated reflect Transfer Taxes at $4,142.00. However, Initial CD dated xx/xx/2020 reflect Transfer Taxes at $7,325.10. This is a fee increase of $3,183.10 for 0% tolerance fee test. Valid COC for the increase in Transfer taxes is missing from the loan documents.    
85302726 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) TRID Violation in Charges That Cannot Increase test due to fee addition in Initial CD dated xx/xx/2020. Revised LE#1 dated xx/xx/2020 reflect Credit report Fee at $61.00. However Initial CD dated xx/xx/2020 Credit report Fee at $61.22. Valid COC is missing from the loan files.    
8254902 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the Pennsylvania license validation test. The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.		    
8254902 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $3,935.10 and the loan was underwritten by AUS/DU xx and its recommendation is “Approve/Eligible” with a DTI of xx%.    
8254902 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2020 does not reflect Points - Loan Discount Fee. Revised LE dated xx/xx/2020 reflects the addition of Points - Loan Discount Fee at $1,473.00. This is an increase of $1473.00 for charges that cannot increase 0% test. However, COC for the addition of Points - Loan Discount Fee is missing from the loan documents.

Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2020 does not reflect Lock Extension Fee. Revised LE dated xx/xx/2020 reflects the addition of Lock Extension Fee at $412.00. This is an increase of $412.00 for charges that cannot increase 0% test However, COC for the addition of Lock Extension Fee is missing from the loan documents.
Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2020 does not reflect 2nd Appraisal Fee. Initial CD dated xx/xx/2020 reflects the addition of 2nd Appraisal Fee at $500.00. This is an increase of $500.00 for charges that cannot increase 0% test. Final CD Dated xx/xx/2020 reflects Specific credit of $500.00 for increase in Closing costs above legal limit.

Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2020 reflects Credit report at $50.00. Initial CD dated xx/xx/2020 reflects Credit report at $119.67. This is an increase of $69.67 for charges that cannot increase 0 Tolerance test. Final CD dated xx/xx/2020 reflects Specific credit of $69.34 for increase in Closing costs above legal limit. However, the loan still has shortfall of $0.33 for cure.

Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2020 reflects Transfer Taxes at $3,100.00. However, Final CD dated xx/xx/2020 reflects Transfer Taxes at $6,200.00 (this includes Transfer taxes of $3,100 paid by Seller). This is an increase of $3,100.00 for charges that cannot increase 0% Tolerance test.		    
8254902 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue is "Appraisal - property located next to cemetery", Supportive document to validate is missing from the loan documents.    
8254902 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) The ComplianceEase risk indicator is "Moderate" as the loan is failed for Exceptions and TRID Tolerance test.    
97791046 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) 1. This loan failed the TILA finance charge test. The finance charge is $175,223.11. The disclosed finance charge of $160,253.11 is not considered accurate because it is understated by more than $100. Subject loan is a purchase, originated on xx/xx/2020 and the SOL is 1 year.

2. This loan failed the TILA APR test. The annual percentage rate (APR) is 3.613%. The disclosed APR of 3.192% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. Subject loan is a purchase, originated on xx/xx/2020 and the SOL is 1 year.		    
97791046 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the 1st Homebuyer Counseling Certificate is missing.    
97791046 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $2,616.50 on final CD dated xx/xx/2020. There is a total fee increased of $2,616.50 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.    
97791046 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).		    
97791046 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
85180832 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) The ComplianceEase risk indicator is "Moderate" as the loan is failed for Exceptions and TRID Tolerance test.    
85180832 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,370.48 and the loan was underwritten by LP (xx xx) and its recommendation is “Accept” with a DTI of xx%    
85180832 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase test. Loan estimate dated xx/xx/2020 reflect Transfer Taxes $3050. However, Final CD dated xx/xx/2020 reflects Transfer Taxes at $6000.00. This is an increase in fee of $2500. However $3,000.00 fees out of $6,000.00 is paid by seller
Loan estimate dated xx/xx/2020 reflects credit report fee at $61.22. However Final CD dated xx/xx/2020 reflects credit report fee at $122.44. This is an increase of $61.22.For charges that cannot increase,However specific credit of $61.22 is given at closing.		    
85180832 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape data reflects following issue, "Borrower was not eligible for conv financing until due to undisclosed foreclosure".    
85180832 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM Points and Fees Test; Final CD dated xx/xx/2020 charged points and fees $8,514.50. However threshold is 3% of loan amount ($8,225.22). This is an increase of +$289.28 that cannot increase

Loan fails qualified mortgage lending policy points and fees test; Final CD dated xx/xx/2020 charged points and fees $8,514.50. However threshold is 3% of loan amount ($8,225.22). This is an increase of +$289.28 that cannot increase

Loan fails this loan failed the Pennsylvania license validation test however license is missing from loan documents.		    
5716025 xx xx xx 42fa4669-fe5d-412e-9c32-21b87047de7c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 1: Acceptable * Revised Loan Estimate is missing (Lvl 1) Revised Loan Estimate is missing from loan file. For COC (xx/xx/20) Revised loan estimate is required. COC located on xx.    
5716025 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Qualified Mortgage DTI exceeds xx% (Lvl 3) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,729.90 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%    
5716025 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $76,857.84. Calculated Finance Charge $76,932.84 for an under disclosed amount of $75.00.

Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.		    
5716025 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) The ComplianceEase risk indicator is "Moderate" as the loan is failed for Exceptions, TRID Tolerance and DTI test.    
5716025 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan fails ComplianceEase delivery and timing test Initial Loan Estimate dated xx/xx/2020. Initial application dated xx/xx/2020 and Document tracker providing the delivery of Initial Loan Estimate within 3 business days is missing from the loan documents.

Loan failed charges that cannot increase 10% Tolerance test due to Initial Loan Estimate Delivery Date Test. Loan fails ComplianceEase delivery and timing test Initial Loan Estimate dated xx/xx/2020. Initial application dated xx/xx/2020.

Loan failed charges that cannot increase 0% Tolerance test due to Initial Loan Estimate Delivery Date Test. Loan fails ComplianceEase delivery and timing test Initial Loan Estimate dated xx/xx/2020. Initial application dated xx/xx/2020.		    
5716025 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller tape reflects, “Limited appraisal when full appraisal required". Appraisal report in file is located on XX which is exterior only. However loan required full appraisal report.    
5716025 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Loan fails ComplianceEase delivery and timing test Initial Loan Estimate dated xx/xx/2020. Initial application dated xx/xx/2020 and Document tracker providing the delivery of Initial Loan Estimate within 3 business days is missing from the loan documents.

Loan failed charges that cannot increase 10% Tolerance test due to Initial Loan Estimate Delivery Date Test. Loan fails ComplianceEase delivery and timing test Initial Loan Estimate dated xx/xx/2020. Initial application dated xx/xx/2020.

Loan failed charges that cannot increase 0% Tolerance test due to Initial Loan Estimate Delivery Date Test. Loan fails ComplianceEase delivery and timing test Initial Loan Estimate dated xx/xx/2020. Initial application dated xx/xx/2020.		    
8698647 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE Risk indicator is "Moderate" since this loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $2,350.33 on PCCD dated xx/xx/2020. There is a total fee increased of $2,350.33 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.    
8698647 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).

3. This loan failed the TRID disclosure dates and personal delivery validation test. This loan contains a  Revised Closing Disclosure Receipt Date (xx/xx/2020) that is after the Revised Closing Disclosure Delivery Date (xx/xx/2020). However, the method of delivery is marked as "Personal."

4. This loan failed the Pennsylvania license validation test. The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.		    
8698647 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that Appraisal report has concerns with Comparable.    
8698647 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $2,350.33 on PCCD dated xx/xx/2020. There is a total fee increased of $2,350.33 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.    
42090990 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX%, the Borrower income was $xx and total expenses are in the amount of     
$6092.39 and the loan was underwritten by DU (locator# XX ) and its recommendation is “Approve/Eligible” with a DTI of XX%.		    
42090990 xx xx xx b06dde1c-905f-4404-a416-ae2c918d0fa1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Title Policy Active 3: Curable * Missing Final Title Policy with applicable Alta endorsements. (i.e., Alta 8.1, 9) (Lvl 3) Final Title policy is missing in the loan file. Values are updated as per commitment located at XX.    
42090990 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX%, the Borrower income was $xx and total expenses are in the amount of     
$6092.39 and the loan was underwritten by DU (locator# XX) and its recommendation is “Approve/Eligible” with a DTI of XX%.		    
42090990 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Loan failed charges that cannot increase test. Loan estimate dated xx/xx/2020 reflect Appraisal Fee at $480.00 However, Final CD dated xx/xx/2020 reflects Appraisal Fee at $725.00. This is a increase in fee of $245.00 for charges that cannot increase.

Loan failed charges that cannot increase test. Initial LE dated xx/xx/2020 reflects Transfer Taxes at $3493.00 However, Final CD dated xx/xx/2020 reflects Transfer Fee Taxes at $ 4044.5 (Transfer Taxes of $3493.00 Paid by Buyer and $551.50 Paid by Seller). This is an increase of $551.50 for charges that cannot increase.		    
42090990 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase test. Loan estimate dated xx/xx/2020 reflect Appraisal Fee at $480.00 However, Final CD dated xx/xx/2020 reflects Appraisal Fee at $725.00. This is a increase in fee of $245.00 for charges that cannot increase.

Loan failed charges that cannot increase test. Initial LE dated xx/xx/2020 reflects Transfer Taxes at $3493.00 However, Final CD dated xx/xx/2020 reflects Transfer Fee Taxes at $ 4044.5 (Transfer Taxes of $3493.00 Paid by Buyer and $551.50 Paid by Seller). This is an increase of $551.50 for charges that cannot increase.		    
42090990 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape reflect following the issue, "Appraisal-Comps not supporting value (Property on xx)"    
42090990 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock provided expired on xx/xx/2020 and the loan closed on xx/xx/2020. No lock extension found.    
92824124 xx xx xx b06dde1c-905f-4404-a416-ae2c918d0fa1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Title Policy Active 3: Curable * Missing Final Title Policy with applicable Alta endorsements. (i.e., Alta 8.1, 9) (Lvl 3) Final Title Policy is missing in the loan file.Values are updated as per commitment located at "XX".    
25292990 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape data states the issue with the loan is "Program Eligibility - UW Qualifications UW - DPA program Not Eligible COMMENT: Loan ineligible for xx program - subject property is located in XX."    
25292990 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the Borrower income was $xx and total expenses are in the amount of $2,450.60 per AUS/LP (locator#XX) and its recommendation is “Accept/Eligible” with a DTI of XX%.    
25292990 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan has failed Charges That Cannot Increase Test, because Initial LE dated xx/xx/2021 shows Flood Certification Fee at $10.00, however Final CD dated xx/xx/2021 shows Flood Certification Fee at $10.25. This is a fee increase of $0.25 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
25292990 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE result is Moderate as this loan has failed Charges That Cannot Increase Test.    
25292990 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
87204725 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
  
Higher-Priced Mortgage Loan Test: FAIL      Charged: 4.290%      Allowed: 4.270%     Over by: +0.020%		    
87204725 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan has failed Charges That Cannot Increase Test, because Initial LE dated xx/xx/2020 shows Loan Origination Fee at $2,470.00 and Flood Certification Fee at $10.00, however Final CD dated xx/xx/2020 shows Loan Origination Fee at $2,470.40 and Flood Certification Fee at $10.25. This is a fee increase of $0.65 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
87204725 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
87204725 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects following issue - " Repurchased loan due to loan being Uninsurable- Loan did not the two months PITI reserve requirement for the product type with investor (CO Hosing)."    
87204725 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (4.290%) is exceeded APOR (4.270%) by 0.020%. The APR threshold is 4.270% and the subject loan is escrowed one.

Qualified Mortgage Safe Harbor Threshold: FAIL     Charged: 4.290%    Allowed: 4.270%    Over by: +0.020%		    
87204725 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from Loan Document.    
55843327 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final Closing Disclosure is missing from the loan documents.    
55843327 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue,Repurchased loan due to delinquency - loan was covered by a 5 Year Recourse Agreement that deferred repurchase until borrower became delinquent which triggered a Repurchase.Forbearance at previous servicer ended 12/2020, nothing negatively reported to credit agency during that time.    
55843327 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the Borrower income was $xx and total expenses are in the amount of $1,222.78 per AUS/LP (locator#XX) and its recommendation is “Accept/Eligible” with a DTI of XX%.    
55843327 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Ohio $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal Report is missing in the loan file.    
96022544 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final Closing Disclosure Hand Signed by Borrower is missing from loan documents.    
96022544 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape reflects following issue.
This loan is not in compliance due to a TRID violation; the APR increased by more than .125% on Final closing disclosure received 5/x. The borrower was not given an additional 3 day wait period and loan closed xx/xx/2021.   

The (4.082) APR disclosed on the Prior Closing Disclosure is inaccurate when compared to the Last Closing Disclosure APR (4.34).		    
62529365 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) An executed copy of final 1003 is missing from the loan file.    
62529365 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the Borrower’s income is $xx and total expenses are in the amount of $1,252.23 and the loan was underwritten by AUS/DU (locator#XX) & its recommendation is “Approve/Eligible” and DTI is showing in it as XX%.    
62529365 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).		    
62529365 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing the following alert s-

1. The investor is denying the loan for purchase it due to the timing from the closing to purchase is exceeded the allowable time period per program guidelines. The subject loan was originally approved for the 4/1 purchase but SC Housing came back and denied the loan.

2. Note was rerouted from the incorrect investor and was delivered to SC Housing on 3/12. The borrower did not make 3/1 payment until 3/17.		    
62529365 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE Risk indicator is "Moderate" due to following factors:

1. This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $558.75 on final CD dated xx/xx/2018. There is a total fee increased of $558.75 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.

2. This loan failed the charges that in total cannot increase more than 10% test. Missing valid COC for a total fees increased of $111.20 on final CD dated xx/xx/2020.
The final CD reflects the cumulative Fees in B section increased of 14.783% with the amount of $111.20 in Creditor's Providers Fees which exceeded the 10% tolerance for Creditor's Providers fees and a valid COC is required.		    
62529365 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) 1. This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $558.75 on final CD dated xx/xx/2018. There is a total fee increased of $558.75 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.

2. This loan failed the charges that in total cannot increase more than 10% test. Missing valid COC for a total fees increased of $111.20 on final CD dated xx/xx/2020.
The final CD reflects the cumulative Fees in B section increased of 14.783% with the amount of $111.20 in Creditor's Providers Fees which exceeded the 10% tolerance for Creditor's Providers fees and a valid COC is required.		    
76903618 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 2: Acceptable with Warnings * Loan does not conform to program guidelines (Lvl 2) Seller xx data reflect following issue, "Re purchased loan due to loan being Un insurable - Taxes were calculated incorrectly, using $104.83/mo instead of $196.84/mo. With the actual taxes the DTI increases from XX% to 35.270% & exceeds guidelines. Loan denied by USDA."    
76903618 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) TRID Violation due to a fee addition on Final CD dated xx/xx/2020.  The Final CD shows an added fee of $905.00 which did not appear on previous LE or CDs.  This is a fee increase of $905.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
76903618 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to a fee addition on Final CD dated xx/xx/2020.  The Final CD shows an added fee of $905.00 which did not appear on previous LE or CDs.  This is a fee increase of $905.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
76903618 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) TRID Violation due to a fee addition on Final CD dated xx/xx/2020.  LE dated xx/xx/2020 reflects a Flood Certification - Single Charge or Life of Loan of $10.00, however, Final CD dated xx/xx/2020 reflects a Flood Certification - Single Charge or Life of Loan of $10.25.  This is a fee increase of $0.25 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
76903618 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) This is USDA loan reflects originated note date xx/xx/2020.    
11950324 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. The finance charge is $176,175.32. The disclosed finance charge of $176,026.13 is not considered accurate because it is understated by more than $100. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
11950324 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that maximum LTV for a 2-4 family, owner occupied is XX% but this one is at XX%.    
11950324 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).

3. This loan failed the TRID disclosure dates and personal delivery validation test. This loan contains a  Revised Closing Disclosure Receipt Date (xx/xx/2021) that is after the Revised Closing Disclosure Delivery Date (xx/xx/2021). However, the method of delivery is marked as "Personal."

4. This loan failed the Pennsylvania license validation test (PA HB 2179 Section 6111). The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November 5th, 2008.		    
11950324 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased total in the amount of $3,749.00 on final CD dated xx/xx/2021.
Provided initial LE dated xx/xx/2021 reflects the Transfer Fee as $0.00, however, the final CD reflected it as $3,749.00. There is a total fee increased of $3,749.00 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.		    
11950324 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the Borrower’s income is $xx and total expenses are in the amount of $5,114.61 and the loan was underwritten by latest post-closing AUS/LP dated xx/xx/2021 (locator# XX) & its recommendation is “Accept/Ineligible” and DTI is showing in it as XX%. Elevating for client review. Details not provided in file as to why post closing DU ran but came back as accept/ineligible.    
53891546 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the Borrower income was $xx and total expenses are in the amount of $804.00 per AUS/DU (locator#XX) and its recommendation is “Approve/Eligible with XX%.”.    
53891546 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing proof of hazard insurance (Lvl 2) Hazard Insurance document is missing from loan file.    
53891546 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from loan file.    
53891546 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at XX% DTI but did not calc income correctly per tape. If using correct full P&L, DTI may be over XX%. Unable to rely on docs in file and unable to calc ATR.    
53891546 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) List of Service Providers is missing from loan file.    
53891546 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) TRID Violation due to a fee addition on Final CD dated xx/xx/2021.  LE dated xx/xx/2020 reflects a Transfer Taxes of $5,989.00, however, Final CD dated xx/xx/2021 reflects a Transfer Taxes of $5,989.38.  This is a fee increase of $0.38 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
53891546 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to a fee addition on Final CD dated xx/xx/2021.  The Final CD shows an added fee of $3,446.18 which did not appear on previous LEs.  This is a fee increase of $3,446.18 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
53891546 xx xx xx 5cb32bc6-6817-40b3-bf5e-122771c92d82 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Credit Active 3: Curable * Required Documentation Missing or Incomplete  (Lvl 3) Your home loan toolkit is missing from loan file.    
53891546 xx xx xx 3e7649ea-d4a6-431b-bedf-93e8df994bff 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Homeownership Counseling Organizations Disclosure is missing from loan file.    
91000055 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) FHA MI Certificate is missing from the loan file.    
91000055 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete New York $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) A copy of Appraisal Report at origination is missing from loan file.    
91000055 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) An executed copy of Intent to proceed disclosure is missing from the loan file.    
91000055 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that  the subject loan is not insurable due to expiring Case# & canceling HUD.    
91000055 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The subject loan is a FHA Purchase. The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the Borrower’s income is $xx and total expenses are in the amount of $4,133.27 and the loan was underwritten by AUS/DU (locator#XX) & its recommendation is “Approve/Eligible” and DTI is showing in it as XX%.    
14267883 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
14267883 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the Borrower’s income is $xx and total expenses are in the amount of $3,745.09 and the loan was underwritten by AUS/LP (locator#XX) & its recommendation is “Accept/Eligible” and DTI is showing in it as XX%.    
14267883 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) An executed copy of initial CD is missing from the loan file.    
14267883 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete New York $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) A copy of Appraisal Report at origination is missing from loan file.    
14267883 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) CE Risk indicator is "Elevated" since this loan has points and fees that exceed the points and fees threshold. The loan amount is $xx or more, and the transaction's total points and fees is $9,262.68, which exceeds 3 percent of the total loan amount of $xx.    
14267883 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
14267883 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase did not test TRID Tolerance test due to missing initial Closing Disclosure from the loan file.    
14267883 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Provided copy of final CD (locator#XX) is ineligible since points & fees are unable to read from the copy.    
89252963 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.

Higher-Priced Mortgage Loan Test: FAIL     Charged: 4.768%      Allowed: 4.740%      Over by: +0.028%		    
89252963 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE Risk indicator is "Moderate" due to following factors:

1. This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $325.00 on final CD dated xx/xx/2021. There is a total fee increased of $325.00 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.

2. This loan failed the charges that in total cannot increase more than 10% test. Missing valid COC for a total fees increased of $1.10  on final CD dated xx/xx/2021.
The final CD reflects the cumulative Fees in B section increased of 10.093% with the amount of $1.10 in Creditor's Providers Fees which exceeded the 10% tolerance for Creditor's Providers fees and a valid COC is required.

3. This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.

Higher-Priced Mortgage Loan Test: FAIL     Charged: 4.768%      Allowed: 4.740%      Over by: +0.028%		    
89252963 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home is affixed. An Appraisal Report at the origination located at “XX” shows the type of subject property as a manufactured home. However, the Manufacture of Home Rider is located at “XX. There is no copy of final TPOL in the loan file to confirm ALTA -7.1 for the subject Manufacture Home.. Also, the Serial#XX1. The tax certificate attached with the updated title shows separate assessment for land and improvements    
89252963 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan has conforming fixed 30 Year. Provided AUS is ineligible which was run after the closing to correct the subject property type to "Manufactured Housing" and AUS now has a recommendation as "Refer/Ineligible" for delivery.    
89252963 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).		    
89252963 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
89252963 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) 1. This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $325.00 on final CD dated xx/xx/2021. There is a total fee increased of $325.00 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.

2. This loan failed the charges that in total cannot increase more than 10% test. Missing valid COC for a total fees increased of $1.10  on final CD dated xx/xx/2021.
The final CD reflects the cumulative Fees in B section increased of 10.093% with the amount of $1.10 in Creditor's Providers Fees which exceeded the 10% tolerance for Creditor's Providers fees and a valid COC is required.		    
63001133 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
63001133 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase did not test TRID Tolerance test due to missing initial LE from the loan file.    
63001133 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan has conforming fixed 30 year. Home buyer Education was required , but not completed. Hence the loan is ineligible for delivery.    
81848339 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $155,790.37. Calculated Finance Charge is  $155,970.37.Loan fails TILA Finance Charge Test for an under disclosed amount of $180.00.  
Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.

Finance charge disclosed on Final CD as $155,790.37. Calculated Finance Charge is  $155,970.37.Loan fails TILA Foreclosure Rescission Finance Charge Test for an
under disclosed amount of $180.00.Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.		    
81848339 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TRID Tolerance Test Failed (Lvl 2) Loan failed charges that cannot increase in total more than 0% tolerance test.Initial LE dated xx/xx/2020 reflects Credit Report Fee $69.00 However, Final  CD dated xx/xx/2021 reflect the Credit Report Fee at $ 69.25.This is an increase of $ 0.25 for charges that cannot increase 0% Tolerance test.Valied COC for the Increase Of Credit Report Fee is missing from the loan documents. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.



Loan failed charges that cannot decrease test. Revised LE dated xx/xx/2020 reflects Non-specific lender credit at $1,615.00.However, Final CD dated xx/xx/2021 reflects Non-specific lender credit at $1,611.84. This is decrease of $3.16for charges that cannot decrease Valid COC for the decrease in xx is missing from the loan documents. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.		    
81848339 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) A copy of Rate Lock Agreement is missing from the loan documents.    
81848339 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Nevada $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflect the following issue,"Full appraisal obtain post closing, question assets verification".Supporting document to validate the issue is missing from the loan document.    
81848339 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) Finance charge disclosed on Final CD as $155,790.37. Calculated Finance Charge is  $155,970.37.Loan fails TILA Finance Charge Test for an under disclosed amount of $180.00.  
Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.

Finance charge disclosed on Final CD as $155,790.37. Calculated Finance Charge is  $155,970.37.Loan fails TILA Foreclosure Rescission Finance Charge Test for an
under disclosed amount of $180.00.Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.		    
74983412 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Washington $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Subject property is manufactured and proof of affixation of the property permanently to the land is available in the Loan Documents.(locator# XX)    
74983412 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE result is Moderate as this loan has failed Charges That Cannot Increase Test.    
74983412 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.


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		    
74983412 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to a fee addition on Initial CD dated xx/xx/2020.  The Initial CD shows an added fee Transfer Taxes of $4361.00 which did not appear on previous LEs.  This is a fee increase of $4361.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.

TRID Violation due to a fee increase on LE dated xx/xx/2020.  LE dated xx/xx/2020 reflects a Tax Service Fee at $66.00, however, Revised LE dated xx/xx/2020 reflects the Tax Service Fee at $85.  This is a fee increase of $19.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.

TRID Violation due to a fee addition on LE dated xx/xx/2020.  The LE shows an added fee Flood Transfer Fee of $10.00 which did not appear on previous LEs.  This is a fee increase of $10.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.		    
74983412 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issues: "Unsaleable due to compliance. COCD 10/x. However, it wasn't disclosed until 10/xx, Outside of 3 day rule."    
74983412 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the Loan Documents.    
10353334 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE result is Moderate as this loan has failed Charges That Cannot Increase Test.    
10353334 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) This loan is FHA and required Mortgage Insurance Certificate is missing from loan documents.    
10353334 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Appraisal located at XX which is dated xx/xx/2020. However, Note date is xx/xx/2021. Appraisal is prior more than 5 months of Note date.    
10353334 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Appraisal located at XX which is dated xx/xx/2020. However,Note date is xx/xx/2021. Appraisal is prior more than 5 months of Note date.    
10353334 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.


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.		    
10353334 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to a fee increase on Final CD dated xx/xx/2021. The Final CD shows Appraisal Fee of $555.00. However, Initial LE date xx/xx/2020 reflects Appraisal Fee $500.00. This is a fee increase of $55.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.


TRID Violation due to a fee increase on Initial CD dated xx/xx/2021. The Final CD shows Transfer Taxes of $223.85. However, Initial LE dated xx/xx/2020 reflects Transfer Taxes of $222.00. This is a fee increase of $1.85 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.		    
10353334 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the Borrower income was $xx and total expenses are in the amount of $780.60 and the loan was underwritten by AUS/DU (locator#XX) and its recommendation is “Approve/Eligible” with XX%.    
68490924 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Sellers tape reflects the following issue, Rental Income used by the underwriter for approval does not support the income documentation. DTI may be XX%    
68490924 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX%, the Borrower income was $xx and total expenses are in the amount of $3,959.27 + $3,056.51 and the loan was underwritten by AUS/DU (locator#XX) and its recommendation is “Approve/Eligible” with a DTI of XX%    
68490924 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock Agreement is missing from the loan documents.    
97708708 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Initial CD dated xx/xx/2020. Initial LE dated xx/xx/2020 does not reflect Transfer Taxes. However, Initial CD dated xx/xx/2020 reflect Transfer Taxes at $297.00 This is a fee increase of $297.00 for 0% tolerance fee test. Valid COC for the increase in Transfer taxes is missing from the loan documents.    
97708708 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial 1003 Application is at "XX" but, not signed by Loan Originator and Borrower.    
97708708 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX%, the Borrower income was $xx and total expenses are in the amount of $1,550.67 + $611.00 and the loan was underwritten by AUS/LP (xx XX and its recommendation is “Approve/Eligible” with a DTI of XX%    
97708708 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) The Affiliated Business Disclosure missing.    
97708708 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges That Cannot Increase test due to fee addition in Initial CD dated xx/xx/2020. Initial LE dated xx/xx/2020 reflect Appraisal report fee at $350.00 However Initial CD dated xx/xx/2020 Appraisal report fee at $450.00. Valid COC is missing from the loan files.    
2430635 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure is missing from loan file.    
2430635 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue: Borrower closed with undisclosed debt and we repurchased the loan. Supporting documents to validate the issue is missing from the loan documents. Tape shows DTI may be XX% for subject NOO property.    
49710683 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the PIW was expired on xx/xx/2020 but the subject loan did not fund until xx/xx/2020. Unable to return LP to get PIW back and no appraisal was obtained prior to funding.    
49710683 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the Borrower’s income is $xx and total expenses are in the amount of $2,947.95 and the loan was underwritten by AUS/LP (locator# (locator#XX) & its recommendation is “Accept/Eligible” and DTI is showing in it as XX%.    
49710683 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE Risk indicator is "Moderate" since this loan failed the charges that cannot increase test. Missing valid COC for a total fee increased total in the amount of $862.50 on final CD dated xx/xx/2020.
Provided revised LE dated xx/xx/2020 reflects the Rate Lock Extension Fee as $675.00, however, the final CD reflected it as $862.50. There is a total fee increased of $862.50 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.		    
49710683 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).		    
49710683 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased total in the amount of $862.50 on final CD dated xx/xx/2020.
Provided revised LE dated xx/xx/2020 reflects the Rate Lock Extension Fee as $675.00, however, the final CD reflected it as $862.50. There is a total fee increased of $862.50 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.		    
95457653 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan file was closed with missing 2018 tax returns & two months rent receipts. When obtained after closing, 2 year income average was less which increased DTI from XX to xx%.   Subject NOO property.    
95457653 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
65992591 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower’s income is $xx and total expenses are in the amount of $1,267.18 and the provided final 1008 shows that the loan was underwritten by AUS/DU (locator#xx) & its recommendation is “Approve/Eligible” and DTI is showing in it as xx%. The final copy of AUS/DU is missing from the loan file.    
65992591 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the borrower was not qualified with the fully amortized HELOC payment / HCLTV = xx%.    
65992591 xx xx xx 0ab579f3-c312-4cda-be6a-81173bce9471 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit AUS Active 3: Curable * DU/GUS/AUS has issues or conditions (Lvl 3) DTI is inconsistent in both the provided 1008 & AUS/DU. Provided AUS/DU in the loan file xx is showing the borrower's DTI as xx% but the provided 1008 xx shows it as xx%. The final AUS/DU is missing from the loan file.    
65992591 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE Risk indicator is "Moderate" since this loan failed the charges that cannot increase test. Missing valid COC for a total fee increased total in the amount of $125.00 on final CD dated xx/xx/2021.
Provided initial LE dated xx/xx/2020 reflects the Rate Lock Extension Fee as $0.00, however, the final CD reflected it as $125.00. There is a total fee increased of $125.00 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.		    
65992591 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
65992591 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Colorado $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) A copy of Appraisal Report at origination is missing from loan file.    
65992591 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased total in the amount of $125.00 on final CD dated xx/xx/2021.
Provided initial LE dated xx/xx/2020 reflects the Rate Lock Extension Fee as $0.00, however, the final CD reflected it as $125.00. There is a total fee increased of $125.00 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.		    
65992591 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).		    
84445073 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The subject property is an Investment. The provided Seller’s tape is showing an alert that the  borrower is a realtor and income used to qualify was not supported. The borrower has declining income due to COVID 19.  Subject NOO.    
79640098 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Per tape, income docs materially flawed. SE BWR 2020 P&L and bank statements do not show deposits/income. Unable to rely on docs in file and unable to calc ATR.    
79640098 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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.		    
79640098 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Final CD dated xx/xx/2021. Initial LE dated xx/xx/2020 does not reflect Rate Lock Fee, However, Final CD dated xx/xx/2021 reflect Rate Lock Fee at $1,470.00 This is fee increase of $1,470.00 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents.    
79640098 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Final Appraisal is missing from the loan files.    
79640098 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
11096573 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Final CD reflects closing date as xx/xx/2021.  Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2021.  Note date is xx/xx/2021.    
11096573 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan has failed TILA Finance Charge Test.

The disclosed finance charge is $155,948.55 and allowed is $156,613.63 however it is undercharged by $665.08. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.		    
11096573 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape data reflects issue with loan is "xx% LTV requires homebuyers education course prior to closing.  Homebuyers education course was not completed."    
11096573 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal (1008) is missing in the loan file.    
61153556 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape data reflects issue as "Not eligible for delivery to FNMA due to appraisal comps/revisions.  Purchased as primary but borrower did not occupy for the full 12 months - had to move for employment - property is currently occupied by tenant."    
61153556 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE result is Moderate as this loan has failed Charges That Cannot Increase Test.    
61153556 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan has failed Charges That Cannot Increase Test, because Initial LE dated xx/xx/2020 shows Appraisal Rush Fee at $0.00, however Final CD dated xx/xx/2020 shows Appraisal Rush Fee at $125.00. This is a fee increase of $125.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
61153556 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
61153556 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
25771999 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Final CD reflects closing date as xx/xx/2020.  Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2020.  Note date is xx/xx/2020.    
25771999 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan has failed Charges That In Total Cannot Increase More Than 10% Test.
Recording Fee was disclosed on initial LE at $63.00 and it was disclosed at $90.00 on final CD. The difference is on $27.00, which is greater than 10%.		    
25771999 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
25771999 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
  
Higher-Priced Mortgage Loan Test: FAIL      Charged: 5.156%      Allowed: 4.870%     Over by: +0.286%		    
25771999 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $xx per AUS/DU xx and its recommendation is “Approve/Eligible” with a DTI of xx%.    
25771999 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Uninsured FHA.  DPA Amount = $8,601.  Appraisal was completed on Conventional form.  Unable to convert from Conv to FHA.  FHA Case # cancelled on xx/xx/21.  MMI removed from monthly payment effective xx/xx/21.  UFMIP refund applied on 06/xx/21.  MMI refund applied by prior investor on xx/xx/20.  Notification letter sent to borrower.    
25771999 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (5.156%) is exceeded APOR (4.870%) by 0.286%. The APR threshold is 4.870% and the subject loan is escrowed one.

Qualified Mortgage Safe Harbor Threshold: FAIL     Charged: 5.156%    Allowed: 4.870%    Over by: +0.286%		    
55232018 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Rate Lock Agreement is missing from the loan documents.    
55232018 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial 1003 Application is missing from the Loan Documents.    
55232018 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the Loan Documents.    
55232018 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal Summary(1008) is missing from the Loan Documents.    
55232018 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) -    This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

-    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.		    
55232018 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) - TRID Violation in Charges That Cannot Increase test due to fee addition in Final CD dated xx/xx/2020. Initial LE dated xx/xx/2020 does not reflect Lock extension. Final CD dated xx/xx/2020 reflect Lock extension at $93.99. Valid COC for the increase in Lock extension is missing from the loan documents.

- TRID Violation in Charges That Cannot Increase test due to fee addition in Final CD dated xx/xx/2020. Initial LE dated xx/xx/2020 does not reflect Appraisal Fee. Final CD dated xx/xx/2020   reflect Appraisal Fee at $475.00. Valid COC for the increase in Appraisal Fee is missing from the loan documents.		    
15079803 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
15079803 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan Failed the qualified mortgage DTI threshold test as the loan has a qualified mortgage DTI of xx%,the borrower income is $xx and the total expenses are in the amount of $1,517.08.The loan was underwritten by AUS/DU xx and Its recommendation is "Approve/Eligible" with a DTI of xx%.    
15079803 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Indiana $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflect the following issue,Homebuyer education not taken before close-Homeready loan.    
89551384 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) This is Investment Loan.

Seller Tape reflects following issues “Rental Income for the subject Property was miscalculated along with rental income from the Borrower other rental properties, increasing the DTI from xx% to xx%.”		    
89551384 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) A Rate Lock Agreement signed by the Borrower is Missing from the Loan Documents.    
85019554 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) This loan has failed Loan Origination Fee Test.

The loan charges the veteran a loan origination fee and/or unauthorized fees, the total of which exceeds 1% of the loan amount, or 1% of the unpaid principal balance if the loan is an Interest Rate Reduction Refinance Loan (IRRRL). In addition to certain itemized fees and charges designated by VA guidelines, the lender may charge the veteran a flat charge not
to exceed 1%. The lender's maximum allowable flat charge of 1% is intended to cover all of the lender's costs and services which are not reimbursable as "itemized fees and charges."
The seller, lender, or any other party may pay fees and charges, including discount points, on behalf of the borrower. VA regulations limit charges "made against or paid by" the borrower. They do not limit the payment of fees and charges by other parties.		    
85019554 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issues, “Refinanced VA loan does not meet seasoning requirements.”    
85019554 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership Counseling Disclosure is missing in the loan documents.    
15754891 xx xx xx 0ab579f3-c312-4cda-be6a-81173bce9471 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit AUS Active 3: Curable * DU/GUS/AUS has issues or conditions (Lvl 3) Seller Tape reflects following issue.
LP Findings show a loan RISK of caution.		    
15637891 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership Counselling Disclosure is missing from loan documents.    
15637891 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Missing Final Transmittal Summary.    
15637891 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Servicing Transfer Document is missing from loan file.    
15637891 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) Missing a required document to verify Final DTI.    
15637891 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Proof of Hazard Insurance is missing from loan documents.    
15637891 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial 1003 Application is missing from loan documents.    
15637891 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial Closing Disclosure is missing from loan documents.    
15637891 xx xx xx 3e7649ea-d4a6-431b-bedf-93e8df994bff 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Missing Settlement Services Provider List.    
15637891 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * Missing flood cert (Lvl 3) Flood Insurance Certificate is missing from loan documents.    
15637891 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated Business Disclosure is missing from loan documents.    
15637891 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape reflects following issue, "Condo isn't FNMA compliant due to litigation against the condo".  Details not provided. Elevated for client review.    
15637891 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial Loan Estimate is missing from loan documents.    
15637891 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from loan documents.    
61340825 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Credit Guidelines Active 2: Acceptable with Warnings * Loan does not conform to program guidelines (Lvl 2) Seller tape reflect the following issue,PIW lost after closing supporting document to validate the issue is missing from the loan documents.    
61340825 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
61340825 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home Loan Toolkit is missing from the loan documents.    
21317252 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Lis Pendens filed was missed. Details not provided. Unable to determine if related to subject or other BWR properties, if any. Elevated for client review.    
21317252 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial Application is missing from the loan files.    
21317252 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Final Hazard Insurance document is missing from the loan files.    
77867476 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Loan fails TILA finance charge test.Final CD dated xx/xx/2021 reflects finance charge of $237,472.44 and calculated finance charge is $237,672.44. variance is -$200.00.

Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.		    
77867476 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home Loan Toolkit is missing from Loan Documents.    
77867476 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects following issue "  No homebuyer counseling " to validate the issue valid document is missing from loan document.    
77867476 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan fails charges that cannot increase test. Initial LE dated xx/xx/2021 reflects transfer taxes $4,027.00 and final CD dated xx/xx/2021 reflects transfer taxes $9,204.00.This is an increase of +$5,177.00.However, increased fee ($5,177.00) is paid by seller.    
77867476 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from Loan Document.    
27025010 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from Loan Document.    
33607016 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test: - On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
33607016 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
33607016 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
52547519 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by all borrowers.    
52547519 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from the loan file.    
52547519 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) ComplianceEase Exceptions Test Failed due to PA License Validation Test: FAIL

This loan failed the Pennsylvania license validation test.
The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a closing date before November 5th, 2008. Additionally, the Pennsylvania First Mortgage Banker License, Pennsylvania Secondary FAIL Mortgage Loan License, Pennsylvania Unlicensed (Subordinate Lien), and Pennsylvania Exemption Letter are not available for loans with a closing date on or after January 1st, 2009.		    
52547519 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer disclosure is missing from the loan file.    
52547519 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is "Moderate" due to Late Charge Test: FAIL Loan Data: 5.000% Comparison Data: 4.000% Variance: +1.000%    
52547519 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
52547519 xx xx xx 140f46bf-c52f-473f-8d76-08a0744ba53f 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit DTI Active 2: Acceptable with Warnings * DTI > 60% (Lvl 2) DTI is greater than xx%.    
26597935 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Michigan $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) The Appraisal report at the time of origination is missing from the loan file.    
26597935 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
26597935 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
52738045 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Oregon $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) Subject property is located in Oregon State and following State Disclosures are missing from loan file;
1) Oregon Forced Placed Insurance Notice
2) Notice where Escrow Account is NOT Required
3) Escrow Notice for Loans Sold to Out-of- State Purchases within one year
4) Anti-Coercion Notice
5) Insurance Sales Notice
6) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
52738045 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Oregon $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
52738045 xx xx xx 140f46bf-c52f-473f-8d76-08a0744ba53f 561 561-3210 xx Non-QM QC Complete Oregon $xx Credit DTI Active 2: Acceptable with Warnings * DTI > 60% (Lvl 2) As per Final Application the Borrowers total income is in the amount of $xx and total monthly debt is in the amount of $2,186.00. Hence, DTI is greater than xx%    
3816869 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
3816869 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in North Carolina State. The following required state disclosures are missing from the loan file.
1. Amortization Schedule Disclosure
2. Credit Property Insurance Disclosure
3. Fee Agreement
4. Priority of Security Instrument Disclosure
5. Attorney Selection Disclosure		    
3816869 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
3816869 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
974527 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete New Jersey $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing transfer disclosure is missing from the loan file.    
974527 xx xx xx 140f46bf-c52f-473f-8d76-08a0744ba53f 561 561-3210 xx Non-QM QC Complete New Jersey $xx Credit DTI Active 2: Acceptable with Warnings * DTI > 60% (Lvl 2) Final application docs show the value, the total income of borrower is $xx and total debt is $4,378.12. So, the DTI is greater than the xx%. Per Note at origination, the interest rate is fixed at xx%. However, payment history & tape data reflects the current rate is fixed at xx%. The loan has been modified trice since origination and as per latest modification agreement the P&I is $xx.    
974527 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete New Jersey $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
974527 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
55157434 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Kansas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE Risk Indicator is Moderate as this loan failed the TILA APR test.    
55157434 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Kansas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Service Transfer Disclosure is missing from the loan file.    
55157434 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Kansas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final Application is missing from the loan file.    
55157434 xx xx xx 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf 561 561-3210 xx Non-QM QC Complete Kansas $xx Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) As per appraisal report dated xx/xx/2004 the appraised value is $xx, which is less than the original loan amount $xx. Hence CLTV exceeds Xx%.    
55157434 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Kansas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 9.286%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.    
55157434 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Kansas $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
55157434 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Kansas $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
55157434 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Kansas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
47152186 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrowers.    
47152186 xx xx xx d37b6b0d-52a6-40cb-8ba6-8980e85842cd 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR transaction date is different than note date.    
47152186 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure is missing from the loan file.    
47152186 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 along with preliminary HUD-1, Fee itemization and closing instructions are also missing from the loan file.    
63475486 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing is missing from the loan file.    
63475486 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) As per HUD-1, settlement date is xx/xx/2005 and Note date is xx/xx/2005.    
63475486 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
63475486 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
72938818 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Missouri $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
72938818 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Missouri $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
72938818 xx xx xx a0d5a3be-496f-41d6-a958-ce4e3ccae8fe 561 561-3210 xx Non-QM QC Complete Missouri $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to be determine from the available loan files.    
72938818 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Missouri $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer disclosure is missing from the loan file.    
72938818 xx xx xx 4338a740-1f15-426f-91b9-3d27e90910a7 561 561-3210 xx Non-QM QC Complete Missouri $xx Credit Credit Active 2: Acceptable with Warnings * Lost Note Affidavit (Lvl 2) Lost Note Affidavit is present in the loan file with ref. "xx".    
72938818 xx xx xx 57ebb2cd-7596-4166-9bd9-6f932a9e2595 561 561-3210 xx Non-QM QC Complete Missouri $xx Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
40365393 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Per tape, BWR undisclosed mortgage at closing may push DTI over xx%. Details not provided. Unable to rely on docs in file and unable to calc ATR.    
40365393 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $1,806.80 and the loan was underwritten by AUS/DUxx and its recommendation is “Approve/Eligible” with a DTI of xx%    
40365393 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Initial CD dated xx/xx/2020. Initial LE dated xx/xx/2020 reflect Points - Loan Discount Fee at $1,511.00, However, Initial CD dated xx/xx/2020 reflect Points - Loan Discount Fee at $11,519.73 This is fee increase of $8.73 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents.    
40365393 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $1,325.29 + $483.00 and the loan was underwritten by AUS/DU (Locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%    
40365393 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
40365393 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the initial closing disclosure delivery date test due to one of the following findings:( 12 CFR §1026.19(f) (1)(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 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 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; or The 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 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 §1026.19(f)(1)(i) no later than three business days before consummation.    
29159065 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,729.62 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
29159065 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID Tolerance Test is incomplete due to Initial CD is missing from the loan documents.    
29159065 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from loan documents. xx%  
29159065 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue, "This loan is uninsurable due to insufficient entitlement. The borrower has a rental property that is tied to another VA loan. Due to the subject loan amount being under $xx, there is no additional entitlement available".    
51053347 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) - TRID Tolerance test incomplete due to Initial Closing Disclosure is missing from the loan documents.    
51053347 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
51053347 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Alabama $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue, "xx".    
16256986 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor Threshold test APR Calculated 5.872% APR Threshold 4.790% Over By +1.082%.    
16256986 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed ComplianceEase Higher priced mortgage loan test. APR Calculated 5.872% APR Threshold 4.790% Over By +1.082%. Missing Higher Priced Mortgage Loan Disclosure signed by Borrower.    
16256986 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
16256986 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Sellers tape reflects the following issues,"xx".The interest rate mentioned in the note document is xx% which is higher than the eligible interest rate.    
1859746 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan fails Qualified Mortgage Safe Harbor Threshold test due to  APR charges 5.481% APR Threshold 5.320%. Over By +0.161%. Borrower signed HPML disclosure is missing from loan documents. However, loan is escrowed.    
1859746 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape reflect following issue, "xx."    
1859746 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order
to correctly perform reimbursement calculations.

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.		    
1859746 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan fails Higher-priced loan test due to  APR charges 5.481%  APR Threshold 5.320%. Over By +0.161%. Borrower signed HPML disclosure is missing from loan documents. However, loan is escrowed.    
1859746 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase State Regulations Test Failed (Lvl 3) This loan failed the NC rate spread home loan test due to APR charges 5.481% threshold is 5.320% over by +0.161%.

This loan failed the bona fide discount points test due to The loan is a first lien mortgage and has a principal amount that is greater than or equal to $xx and charges discount points
that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate.
Points are treated as paid for the purpose of reducing, and in fact result in a bona fide reduction of the interest rate, if they are
marked as "Bona Fide - State."		    
1859746 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan fails charges that cannot increase test; Initial LE dated 10/xx/19 reflects Appraisal Fee at $200.00 and Final CD dated Appraisal Fee at $655.00. This is increase of +$200.00 that cannot increase. Valid COC is missing from loan documents.    
1859746 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) A copy of Rate Lock Agreement is missing from the loan documents.    
28815319 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Compliance Ease delivery and timing test for Closing Disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is after the Closing date xx/xx/2013.

This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order
to correctly perform reimbursement calculations.

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.		    
28815319 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% the Borrower income was $xx and total expenses are in the amount of $1,821.00 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%    
28815319 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Initial CD dated xx/xx/2020. Initial LE dated xx/xx/2020 reflects Points - Loan Discount Fee at $916.00. However,  Initial CD dated xx/xx/2020 reflects Points - Loan Discount Fee at $1,261.28. This is fee increase of +$345.28 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents.    
28815319 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Document is missing from the loan file.    
28815319 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% the Borrower income was $xx and total expenses are in the amount of $1,821.00 and the loan was underwritten by AUS/DU locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
28815319 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue,"Borrower is refusing new run of credit. LP needs to be re-run with correct loan amount in order to be approved for an appraisal waiver. -E xx approved- SD xx/xx/2021".   Loan was closed with no appraisal. However, tape data reflects the LP should run with PIW.    
44016742 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock agreement is missing from the Loan Documents.    
44016742 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Transmittal Summary(1008) reflects Appraisal doc has not pulled for this Loan. However, PIW is missing from the Loan Documents.    
44016742 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in “Charges That Cannot Increase Test” due to fee addition in Final Closing Disclosure dated xx/xx/2020. Initial LE dated xx/xx/2020 does not reflect following fees.
1. Disaster Inspection Fee = $150.00
This is a fee addition of $150.00. Valid COC is missing from the loan file.		    
44016742 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue: "PIW  is missing, undeliverable to xx.  -xxpproved -SD xx/xx/2021" Transmittal Summary(1008) reflects  as appraisal report is not pulled for this Loan.    
90337275 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Arizona $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The service transfer disclosure is missing in the loan file.    
90337275 xx xx xx ef877a96-91e3-4c2c-91da-686433b17da5 561 561-3210 xx Non-QM QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Borrower Billing Rights (RESPA) (Lvl 2) The borrower billing rights is missing from the loan file.    
90337275 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. The annual percentage rate (APR) is 4.112%. The disclosed APR of 8.250% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.

This loan failed the TILA foreclosure rescission finance charge test.
finance charge is $138,738.33. The disclosed finance charge of $7,422.17 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
90337275 xx xx xx d4754c69-175b-4016-ad01-2af377fb480c 561 561-3210 xx Non-QM QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing HELOC Disclosures (RESPA) (Lvl 2) The heloc disclosure is missing from the loan file.    
90337275 xx xx xx 4338a740-1f15-426f-91b9-3d27e90910a7 561 561-3210 xx Non-QM QC Complete Arizona $xx Credit Credit Active 2: Acceptable with Warnings * Lost Note Affidavit (Lvl 2) A Lost Note affidavit found in the loan file at (xx), Which states that The Original Note has been misplaced and/Or Lost.    
90337275 xx xx xx a0d5a3be-496f-41d6-a958-ce4e3ccae8fe 561 561-3210 xx Non-QM QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Unable to confirm the operative index value due to missing documents.    
90337275 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx Non-QM QC Complete Arizona $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Settlement date is different from note date.    
90337275 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.

This loan failed the TILA foreclosure rescission finance charge test.		    
90337275 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form is missing in the loan file.    
30132589 xx xx xx 08f7f0be-f4cf-4d4e-8244-193c7542c212 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issues Active 3: Curable * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
30132589 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in the CA state. The following state disclosures are missing from the loan file:
1. Impound Account Disclosure
2. Cosigner Notice
3. Private Mortgage Insurance Disclosure
4. Earthquake Disclosure forCondominiums
5. Hazard Insurance Disclosure
6. Insurer RecommendationDisclosure
7. CA Fair Lending Notice
8. Anti-Tying Disclosure
9. Privacy Notice
10. Notice of Right to Copy of Appraisal
11. Application for Credit-Married Persons
12. Fair Debt Collection Notice
13. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application
14. Authorization Fees, Charges and Expenses for Federally Related Mortgage Loans
15. Anti-Tying Disclosure
16. Financial Institution Choice of Insurance Disclosure		    
30132589 xx xx xx a0d5a3be-496f-41d6-a958-ce4e3ccae8fe 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to determine from the loan file.    
30132589 xx xx xx 399d40af-a75c-4340-9c3c-97eadb98a8dc 561 561-3210 xx Non-QM QC Complete California $xx Credit Guidelines Active 2: Acceptable with Warnings * Cash out purchase (Lvl 2) The loan was origination on xx/xx/2007 for the purpose of purchase transaction however the borrower gets cash out in the amount of $900.70.    
86481719 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase TRID Tolerance Test is incomplete due to Initial CD is missing from loan document.    
86481719 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the Qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $2,054.55 per AUS/DU (locator#xx) and its recommendation is "Approve/Ineligible" with xx%.    
86481719 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial Closing Disclosure is missing from the loan documents.    
86481719 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) A Rate Lock agreement disclosure is missing from the loan file.    
86481719 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed QM Safe Harbor Test due to APR Charged 5.039% APR Threshold 5.030% Over By +0.009%.    
86481719 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan was approved at xx% DTI Per tape, income and DTI miscalculated. Details not provided.  Unable to rely on documents in file and unable to calculate ATR.    
86481719 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account Disclosure is missing from the loan documentation.    
86481719 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal summary with corrected loan amount is missing from loan document. Note document reflects loan amount of $202,000.00 Transmittal reflects loan amount of $xx.    
86481719 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) Loan failed Higher Priced Mortgage Test due to APR Charged 5.039% APR Threshold 5.030% Over By 0.009%.    
79471026 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan fails Qualified Mortgage Safe Harbor Threshold test APR Calculated 5.801% APR Threshold 5.390% Over By +0.411%.    
79471026 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan has a qualified mortgage DTI of xx%,the borrower  Income is $xx and the total expenses are in the amount of $2,877.59 The loan was underwritten by AUS/DU xx and Its recommendation is "Approve/Eligible" with a DTI of xx%.    
79471026 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape shows employment misrep defect. Details not provided. Unable to rely DTI and unable to calculate income of the borrower.    
79471026 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) Loan failed Higher Priced Mortgage Test due to APR Charged 5.801% APR Threshold 5.390% Over By 0.411%.    
79471026 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing in the loan documents.    
79471026 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) Trid Tolerance Test is Incomplete Due to Missing of Initial Closing Disclosure from the loan documents.    
79471026 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account Disclosure is missing in the loan documents.    
49798568 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow acct disclosure is missing from the loan file.    
49798568 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape reflects following issues, LTV is greater than the eligible criteria. " LTV exceeds GSE eligibility for cashout ref. -Investment property "    
53631203 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $8,555.00 and total expenses are in the amount of $3,850.77and the loan was underwritten by LP xx and its recommendation is “Accept/Eligible” with a DTI of xx%.    
53631203 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * ComplianceEase State Regulations Test Failed (Lvl 3) Loan Fails Prohibited Fees First Lien Test fees charged $35.00. The below fees were included in the test:

 Processing Fee paid by Borrower: $35.00		    
53631203 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape reflects following issue.
Appraisal waiver was lost on the loan; FHLMC is requiring a full appraisal. - COVID Forbearance.		    
53631203 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock provided expired on xx/xx/2020 and the loan closed on xx/xx/2020. No lock extension found.    
53631203 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) Right of Rescission document in loan file located at xx is not Hand Signed by Borrower.    
53631203 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal Report is missing from loan documents.    
53631203 xx xx xx fbdf2672-bb78-4d47-8239-175dbfaf8564 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Credit Active 3: Curable * Final Application Incomplete (Lvl 3) Final 1003 Application in loan file dated xx/xx/2020 is located at xx was not Hand Signed by Borrower.    
53631203 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Final Closing Disclosure Located at xx is not Hand dated. But, Electronically Signed.    
56762918 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Rhode Island $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue " GNMA Voluntary Repurchase-Uninsured. -Orig note PN at wells."    
56762918 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Rhode Island $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed TRID tolerance test charges that cannot increase 0% and charges that in total cannot increase more than 10% test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2017 which is digitally received on xx/xx/2017 which is more than 3 business days from initial application date xx/xx/2017.    
56762918 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Rhode Island $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock agreement document is missing from the loan documents.    
38845309 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx Non-QM QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the RESPA "Title Services and Lender's Title Insurance" (1101) validation test.
The loan provides a value of $751.00 for "Title Services and Lender's Title Insurance." However, the sum of all component fees,
$375.00, does not equal the value entered for "Title Services and Lender's Title Insurance." There is a difference of $376.00.
If any "Title Services and Lender's Title Insurance" component fees are provided to xx, then all component
fees that contribute to the total "Title Services and Lender's Title Insurance" should be provided and their sum must reflect the
total "Title Services and Lender's Title Insurance." This is necessary in order to correctly calculate the loan's finance charge and
APR.

This loan failed the RESPA "Required Services That You Can Shop For" (1301) validation test.
The loan provides a value of $594.80 for "Required Services That You Can Shop For." However, the sum of all component fees,
$575.00, does not equal the value entered for "Required Services That You Can Shop For." There is a di


This loan failed the RESPA "Government Recording Charges" (1201) validation test.
The loan provides a value of $400.00 for "Government Recording Charges." However, the sum of all component fees, $500.00,
does not equal the value entered for "Government Recording Charges." There is a difference of $-100.0		    
38845309 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete New Jersey $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Disclosure is missing from the loan file.    
38845309 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx Non-QM QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the prohibited fees test.
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: (1) application fee; and (2)
discount points which may be labeled as an origination fee.		    
38845309 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the prohibited fees test.
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: (1) application fee; and (2)
discount points which may be labeled as an origination fee.

This loan failed the RESPA "Required Services That You Can Shop For" (1301) validation test.
The loan provides a value of $594.80 for "Required Services That You Can Shop For." However, the sum of all component fees,
$575.00, does not equal the value entered for "Required Services That You Can Shop For." There is a di


This loan failed the RESPA "Government Recording Charges" (1201) validation test.
The loan provides a value of $400.00 for "Government Recording Charges." However, the sum of all component fees, $500.00,
does not equal the value entered for "Government Recording Charges." There is a difference of $-100.0

This loan failed the RESPA "Title Services and Lender's Title Insurance" (1101) validation test.		    
22677539 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in Tennessee State. The following required state disclosures are missing from the loan file.
1. Placement of Insurance Disclosure
2. Availability of Title Insurance
3. TN Consent to Disclosure of Insurance Information
4. Choice of Agent/insurer
5. Insurance Solicitation/Post Commitment		    
22677539 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non-QM QC Complete Tennessee $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) This is FHA Loan. Mortgage insurance certificate is missing from the loan files.    
22677539 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non-QM QC Complete Tennessee $xx Valuation Property Active 3: Curable * Property is Manufactured Housing (Lvl 3) Home is not affixed. An appraisal report located at “xx” the subject property type is manufactured Home. However, the manufactured home rider located on “xx”, shows serial#“xx”. Final title policy shows ALTA 7 endorsement is incorporated; however, ALTA 7 endorsement is missing. Affidavit of affixation is missing from the loan file. VIN# is not available in legal description of subject mortgage. The latest tax search report available in the updated title report dated xx/xx/2021 shows seperate assessment for land and improvement.    
22677539 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
56462485 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the borrower is unresponsive which resulted in reaching aging limit with bond authority.    
56462485 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
79435562 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked
as either:
"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is 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 revised closing disclosure delivery date is 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; or
The revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is 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.
Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)
(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives
corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A)
:(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.
(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.
(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to
become inaccurate.
The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business
days before consummation.

Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.		    
79435562 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,691.56 + $6,739.12 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
79435562 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Initial CD dated xx/xx/2021. Initial LE dated xx/xx/2021 reflect Transfer Taxes at $1,906.00 However, Initial CD dated xx/xx/2021 reflect Transfer Taxes at $4,600.75 This is a fee increase of $2,694.75 for 0% tolerance fee test. Valid COC for the increase in Transfer taxes is missing from the loan documents.    
79435562 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Initial CD dated xx/xx/2021. Initial LE dated xx/xx/2021 reflect Transfer Taxes at $1,906.00 However, Initial CD dated xx/xx/2021 reflect Transfer Taxes at $4,600.75 This is a fee increase of $2,694.75 for 0% tolerance fee test. Valid COC for the increase in Transfer taxes is missing from the loan documents.    
79435562 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Final Hazard insurance is missing from the loan files.    
79435562 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects following issue "Fee increase affecting APR disclosed resulted in above tolerance and no COC issued and second reason UW did not capture warranty for condo prior to loan approval. " to validate the issue valid document is missing from loan document.    
79435562 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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.		    
8863181 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Final Appraisal report is missing from the loan files.    
8863181 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Tape shows occupancy as unknown but to be conservative, treating as OO for testing. Tape also shows SE BWR would not provide tax returns to verify income. Unable to rely on docs in file and unable to calc ATR.    
90740373 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Initial CD dated xx/xx/2021. Revised LE#1 dated xx/xx/2021 reflect Rate Lock Fee at $2,775.00 However, Initial CD dated xx/xx/2021 reflect Rate Lock Fee at $3,700.00 This is fee increase of $925.00 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents.    
90740373 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.  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.    
90740373 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Right of Rescission missing or unexecuted (Lvl 3) Right of Rescission in loan file Hand Signed by Borrower is located at xx does not reflects Expiration date.    
90740373 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape shows defect that BWR has additional properties that were not included in DTI. Details not provided. Unable to rely on docs in file and unable to calc ATR.    
90740373 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $3,143.04 + $3,235.00 and the loan was underwritten by AUS/LP (xx) and its recommendation is “Approve/Eligible” with a DTI of xx%    
58002971 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).

3. This loan failed the TRID disclosure dates and personal delivery validation test. This loan contains a  Revised Closing Disclosure Receipt Date (xx/xx/2021) that is after the Revised Closing Disclosure Delivery Date (xx/xx/2021). However, the method of delivery is marked as "Personal."		    
58002971 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that Underwriter did not catch comparable on appraisal were not similar to sub property. Appraiser advised no comparable available.    
58002971 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE Risk indicator is "Moderate" since this loan failed the charges that cannot increase test. Missing valid COC for a total fee increased total in the amount of $626.00 on final CD dated xx/xx/2021.
Provided initial LE dated xx/xx/2020 reflects the Rate Lock Extension Fee as $0.00, however, the final CD reflected it as $626.00. There is a total fee increased of $626.00 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.		    
58002971 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
58002971 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased total in the amount of $626.00 on final CD dated xx/xx/2021.
Provided initial LE dated xx/xx/2020 reflects the Rate Lock Extension Fee as $0.00, however, the final CD reflected it as $626.00. There is a total fee increased of $626.00 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.		    
58002971 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) An executed copy of final 1003 is missing from the loan file.    
46601392 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan fails ComplianceEase Higher priced mortgage loan test. APR Calculated 5.439% APR Threshold 5.120% Over By +0.319%. Missing Higher Priced Mortgage Loan Disclosure signed by Borrower(s).    
46601392 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $726.32 + $121.00 and the loan was underwritten by AUS/DU (xx) and its recommendation is “Approve/Eligible” with a DTI of xx%    
46601392 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges That Cannot Increase test due to fee addition in Initial CD dated xx/xx/2020. Revised LE#3 dated xx/xx/2019 reflect Closing Protection Fee at $50.00. However Initial CD dated xx/xx/2020 Closing Protection Fee at $50.00 but this fees is Compensation to affiliate of lender.    
46601392 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) TRID Violation in Charges That Cannot Increase test due to fee addition in Initial CD dated xx/xx/2020. Revised LE#3 dated xx/xx/2019 does not reflect Premium tax fee, However Initial CD dated xx/xx/2020 Premium tax fee at $27.00 but these fees are Compensation to affiliate of lender.    
19808030 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $283,493.99.  Calculated Finance Charge is $283,928.99.Loan failed TILA Finance Charge Test for an under disclosed amount of $ 435.00.  Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a purchase, originated on xx/xx/2017 and the SOL is 1 year.    
19808030 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $7292.10 and total expenses are in the amount of $3,502.92 and the loan was underwritten by DU xx and its recommendation is “Approve/Eligible” with a DTI of xx%.    
19808030 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $3,502.92 and the loan was underwritten by DU (xx ) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
19808030 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Loan Originator's Sign is missing from the initial 1003 loan file.    
19808030 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home Loan Toolkit is missing from the loan file.    
73943117 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed charges that cannot increase test. Initial LE dated xx/xx/2020 does not reflect Electronic VOE fee. However, Final CD dated xx/xx/2021 reflects Electronic VOE fee at $19.50. This is an increase in fee of $19.50 for charges that cannot increase, However fees paid by Lender.    
73943117 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $1,219.80 and the loan was underwritten by AUS/DU xx and its recommendation is “Refer/Caution” with a DTI of xx%.    
73943117 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase test. Initial LE dated xx/xx/2020 does not reflect Electronic VOE fee. However, Final CD dated xx/xx/2021 reflects Electronic VOE fee at $19.50. This is an increase in fee of $19.50 for charges that cannot increase, However fees paid by Lender.    
73943117 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Arizona $xx Valuation Doc Issue Active 4: Unacceptable * Missing Appraisal (Lvl 4) Appraisal report is missing in the loan file. Appraisal report on form 1004 is required as per the AUS.
Tape shows 72733 seller defect as MRZ MH chattel but appraisal in file shows subject is a condo. Elevating subject loan for client review that missing appraisal on subject 72734  and possibility that the MH chattel exception may be for subject and not 72733.  Zillow shows subject may be townhouse.		    
73943117 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Loan failed charges that cannot increase test. Initial LE dated xx/xx/2020 does not reflect Electronic VOE fee. However, Final CD dated xx/xx/2021 reflects Electronic VOE fee at $19.50. This is an increase in fee of $19.50 for charges that cannot increase, However fees paid by Lender.    
84041823 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2021 does not reflect Transfer Taxes. Final CD dated xx/xx/2021 reflects the addition of Transfer Taxes at $+$832.50(Transfer Taxes 832.50 Paid by seller) This is an increase of $+$832.50 for charges that cannot increase 0% test However, COC for the addition Of Transfer Taxes is missing from the loan documents.    
84041823 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2021 does not reflect Transfer Taxes. Final CD dated xx/xx/2021 reflects the addition of Transfer Taxes at $+$832.50(Transfer Taxes 832.50 Paid by seller) This is an increase of $+$832.50 for charges that cannot increase 0% test However, COC for the addition Of Transfer Taxes is missing from the loan documents.    
84041823 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Final Closing Disclosure reflects monthly MIP as $125.30.However, Mortgage insurance Certificate is missing from loan documents.    
84041823 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount$2,671.24 and the loan was underwritten by DU xx and Its recommendation is “Approve/Eligible” with a DTI of xx%.    
84041823 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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.		    
89713804 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Kansas $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the Kansas license validation test.
This loan failed the Kansas license validation test for one of the following reasons:
Kansas SB 129 (2013 Kansas Laws Ch. 29) requires lenders who originate subordinate mortgage liens to be licensed
under the Kansas Uniform Consumer Credit Code on or after July 1, 2013. After this date, lenders are no longer allowed
to make subordinate lien loans under a Kansas License Using Interest Section 16-207 or its corresponding Exemption
Letter.
Kansas K.S.A. 9-2201 requires that mortgage lien loans with a closing date on or after July 1, 2017 must be made under
a Kansas Mortgage Company license. The Office of the State Bank Commissioner of Kansas has additionally clarified
that after this date, lenders are no longer allowed to make mortgage lien loans under a Kansas Supervised Lender
license.		    
89713804 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Kansas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing in the loan documents.    
89713804 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Kansas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the Kansas license validation test.
This loan failed the Kansas license validation test for one of the following reasons:
Kansas SB 129 (2013 Kansas Laws Ch. 29) requires lenders who originate subordinate mortgage liens to be licensed
under the Kansas Uniform Consumer Credit Code on or after July 1, 2013. After this date, lenders are no longer allowed
to make subordinate lien loans under a Kansas License Using Interest Section 16-207 or its corresponding Exemption
Letter.
Kansas K.S.A. 9-2201 requires that mortgage lien loans with a closing date on or after July 1, 2017 must be made under
a Kansas Mortgage Company license. The Office of the State Bank Commissioner of Kansas has additionally clarified
that after this date, lenders are no longer allowed to make mortgage lien loans under a Kansas Supervised Lender
license.		    
89803779 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) "Loan Estimate and Closing Disclosure sent out on the same day. Out of compliance and deemed unsalable in the Secondary Market.   "    
89803779 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) A Rate Lock Agreement document is missing from the loan documents.    
6125161 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $7,845.35 and the loan was underwritten by AUS/DU xx and its recommendation is “Approve/Eligible” with a DTI of xx%    
6125161 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape reflects following issue "Mortgage Insurance was not included in the financed amount initially. When added into after close, the LTV increased slightly above 90% deeming this was to return an ineligible finding based on LTV Increase. "    
66732079 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $179.00 and the loan was underwritten by LP (xx) and its recommendation is “Accept/Eligible” with a DTI of xx%.    
66732079 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final CD signed by borrower is missing from loan File.    
66732079 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) List of Service Providers is missing from loan document.    
66732079 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
66732079 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated Business Form is missing from loan document.    
66732079 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Washington $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) The subject property is a Manufactured Home with VIN/Serial# xxavailable in the recorded copy of the subject mortgage and no Manufactured Home Affidavit of Affixation is attached with the Mortgage copy. The final title policy is available in the loan file that has ALTA-7 for Manufactured Home. The Appraisal report at origination is showing that the subject property has been attached to the permanent foundation system and towing wheels and axles have been removed.    
66732079 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape data reflects the following issues:
Delivered as a LPA- however, the data was not accurate. Submitted to LPA with property type of Single Family Detached PUD. The subject property is a manufactured home.		    
66732079 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account Disclosure is missing from the loan document.    
66732079 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to Proceed Document is missing from the loan document.    
65631454 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape data reflect following issues, "Uninsured VA streamline refinance didn't meet 210 days seasoning requirement."    
7890763 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership Counseling Disclosure is missing from loan documents.    
7890763 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial Loan Estimate is missing from loan documents.    
7890763 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final Closing Disclosure is missing from loan documents.    
7890763 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final 1003 Application is missing from loan documents.    
7890763 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete California $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS/DU is missing in the loan file.    
7890763 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal Report is missing from loan documents.    
7890763 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial 1003 Application is missing from loan documents.    
7890763 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing proof of hazard insurance (Lvl 2) Proof of Hazard Insurance is missing from loan documents.    
7890763 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from loan documents.    
7890763 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from loan documents.    
7890763 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing flood cert (Lvl 2) Flood Insurance Certificate is missing from loan documents.    
7890763 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete California $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Missing Final Transmittal Summary.    
7890763 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account Disclosure is missing from loan documents.    
7890763 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Missing Settlement Services Provider List.    
7890763 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The Borrower's Intent to proceed is missing in loan file.    
7890763 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial Closing Disclosure is missing from loan documents.    
7890763 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure is missing from loan documents.    
7890763 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated Business Disclosure is missing from loan documents.    
52446228 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete California $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) Missing a AUS/DU disclosure in loan file.    
52446228 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) TRID Violation in Charges That Cannot Increase test due to fee addition in Final Closing Disclosure dated xx/xx/2018. Initial LE dated xx/xx/2018 reflects   Appraisal Fee at $400.00. Final CD dated xx/xx/2018 reflects Appraisal Fee at $500.00.This is increase of charges that cannot increase at $100.0. Valid COC for increase  is missing from the loan documents.

TRID Violation in Charges That Cannot Increase test due to fee addition in Final Closing Disclosure dated xx/xx/2018. Initial LE dated xx/xx/2018 does reflect   Transfer Taxes Fee.  Final CD dated xx/xx/2018 reflects Transfer Taxes at $1,870.00.This is increase of charges that cannot increase at $1,870.00. Valid COC for increase  is missing from the loan documents.

Subject loan is a purchase, originated on xx/xx/2018 and the SOL is 1 year.		    
52446228 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TRID Tolerance Test Failed (Lvl 2) TRID Violation in Charges That Cannot Increase test due to fee addition in Final Closing Disclosure dated xx/xx/2018. Initial LE dated xx/xx/2018 reflects   Appraisal Fee at $400.00. Final CD dated xx/xx/2018 reflects Appraisal Fee at $500.00.This is increase of charges that cannot increase at $100.0. Valid COC for increase  is missing from the loan documents.

TRID Violation in Charges That Cannot Increase test due to fee addition in Final Closing Disclosure dated xx/xx/2018. Initial LE dated xx/xx/2018 does reflect   Transfer Taxes Fee.  Final CD dated xx/xx/2018 reflects Transfer Taxes at $1,870.00.This is increase of charges that cannot increase at $1,870.00. Valid COC for increase  is missing from the loan documents.

Subject loan is a purchase, originated on xx/xx/2018 and the SOL is 1 year.		    
52446228 xx xx xx 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Compliance Testing (Lvl 2) Loan fails Compliance Ease delivery and timing test for Revised Closing Disclosure dated xx/xx/2018. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2018 which is the Consummation date xx/xx/2018.    
52446228 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) This loan failed the higher-priced mortgage loan required escrow account test.
The payment of homeowner's insurance and property taxes for properties that are not a condominium, high rise
condominium, or planned unit development, or
The loan contains a custom fee with an associated attribute of "escrow or reserves" but the fee does not have a dollar
value listed; or
The payment of property taxes for condominium, or high rise condominium, or planned unit development.

Loan failed the Qualified Mortgage Safe Harbor Threshold due to APR Charged 7.534%. APR Threshold 6.350%. Over by +1.184%.

Loan failed the Higher-Priced Mortgage Loan Test due to APR Charged 7.534% APR Threshold 7.350%.Over by +0.184%.		    
52446228 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%. The Borrower income was $xx and total expenses are in the amount of $12,656.55. AUS/DU is missing from the loan document. Max DTI for manual underwrite is xx%.    
52446228 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial Application is not signed by Loan Originator and located at "xx".    
52446228 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Third page of Initial closing Disclosure  is missing from the loan documents
locator: xx
locator : xx.		    
52446228 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Loan failed TILA Finance charge disclosed on Final CD as $1,987,314.86. Calculated Finance Charge $2,290,115.64 for an under disclosed amount of -$302,800.78.  

Subject loan is a purchase, originated on xx/xx/2018 and the SOL is 1 year.

This loan failed the TILA APR test due to APR charged  6.941%. APR Threshold 7.534%. variance by -0.593%.

Subject loan is a purchase, originated on xx/xx/2018 and the SOL is 1 year.		    
52446228 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement disclosure in loan file.    
58166335 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 2: Acceptable with Warnings * Loan does not conform to program guidelines (Lvl 2) Seller tape reflects following issue " Active Repayment  Plan " to validate the issue valid document is missing from loan document.    
58166335 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
  
Higher-Priced Mortgage Loan Test: FAIL      Charged: 6.445%      Allowed: 6.340%     Over by: +0.105%		    
58166335 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) The Affiliated Business Disclosure missing.    
58166335 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
58166335 xx xx xx d37b6b0d-52a6-40cb-8ba6-8980e85842cd 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 3: Curable * ROR Transaction date not consistent with Note and/or HUD (Lvl 3) Final CD reflects closing date as xx/xx/2018.  Notary signature date on the Mortgage/Deed of Trust is xx/xx/2018.  ROR was signed by Borrower on xx/xx/2018 with an expiry date of xx/xx/2018 and the loan funded on xx/xx/2018.    
19622127 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
  
Higher-Priced Mortgage Loan Test: FAIL      Charged: 7.289%      Allowed: 6.980%     Over by: +0.309%		    
19622127 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
19622127 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (7.289%) is exceeded APOR (5.980%) by 1.309%. The APR threshold is 5.980% and the subject loan is escrowed one.

Qualified Mortgage Safe Harbor Threshold: FAIL     Charged: 7.289%    Allowed: 5.980%    Over by: +1.309%		    
19622127 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Required Affiliated Business Disclosure is missing in the loan documents.    
19622127 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership Counseling Disclosure is missing in the loan documents.    
19622127 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial Application is missing in the loan documents.    
19622127 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $10,980.80. Final AUS is missing from the loan file.    
19622127 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Final Transmittal 1008 is missing in the loan documents.    
19622127 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete New York $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) Final AUS is missing in the loan documents.    
23444530 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 2: Acceptable with Warnings * DSCR is less than 1.00 (Lvl 2) Form 1007( locarotr: xx) reflects estimated monthly rent as $2,600 hence calculated DSCR is 0.79.    
23444530 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete California $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal (1008) Summary is missing in the loan file.    
23444530 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Settlement Services Provider List is missing in loan file.    
23444530 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial Closing Disclosure is missing in loan file.    
23444530 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The Borrower's Intent to proceed is missing in loan file.    
23444530 xx xx xx 698c598b-9d44-4570-a9a2-ecd2f530d8af 561 561-3210 xx QM-TRID QC Complete California $xx Credit Underwriting Active 3: Curable * Fraud Report Missing  (Lvl 3) Fraud Report is missing in loan file.    
23444530 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership Counseling Disclosure is missing in loan file.    
23444530 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial Loan Application is missing in loan file.    
23444530 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Servicing transfer disclosure is missing in loan file.    
23444530 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
23444530 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial Loan Estimate is missing in loan file.    
23444530 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) The Affiliated Business Disclosure missing.    
23444530 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final Closing Disclosure is missing in loan file.    
45773106 xx xx xx 6bf772c0-8ad6-4527-a186-0d6562670150 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase HOEPA Test Incomplete (Lvl 2) This loan is not covered by the HOEPA (Sec. 32 and 35) regulations due to initial disclosures are missing.    
45773106 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The Borrower's Intent to proceed is missing in loan file.    
45773106 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) The Affiliated Business Disclosure missing.    
45773106 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE result is Moderate as this loan has failed TILA Right of Rescission Test and Qualified Mortgage Interest Only Test. Subject loan is a refinance, originated on xx/xx/2019 and the SOL is 3 years.    
45773106 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
45773106 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan has failed TILA Right of Rescission Test as ROR hand signed by borrower is missing in the loan file.

Subject loan is a refinance, originated on xx/xx/2019 and the SOL is 3 years.		    
45773106 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Right of Rescission missing or unexecuted (Lvl 3) ROR hand signed by borrower is missing in the loan file.    
45773106 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Servicing transfer disclosure is missing in loan file.    
45773106 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership Counseling Disclosure is missing in loan file.    
45773106 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete California $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) 1008 document is missing from the loan file.    
45773106 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial Loan Estimate is missing in loan file.    
45773106 xx xx xx 698c598b-9d44-4570-a9a2-ecd2f530d8af 561 561-3210 xx QM-TRID QC Complete California $xx Credit Underwriting Active 3: Curable * Fraud Report Missing  (Lvl 3) Missing Fraud Report.    
45773106 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Missing Settlement Services Provider List.    
45773106 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Proof of Hazard Insurance is missing from the loan file.    
45773106 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) Initial Closing Disclosure is missing in the loan file hence TRID Tolerance test is incomplete.    
45773106 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial Loan Application is missing in loan file.    
61223246 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (6.986%) is exceeded APOR (5.550%) by 1.436%. The APR threshold is 5.550% and the subject loan is escrowed one.

Qualified Mortgage Safe Harbor Threshold: FAIL     Charged: 6.986%    Allowed: 5.550%    Over by: +1.436%		    
61223246 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
61223246 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial Loan Application is missing in loan file.    
61223246 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The Borrower's Intent to proceed is missing in loan file.    
61223246 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Right of Rescission missing or unexecuted (Lvl 3) ROR hand signed by borrower is missing in the loan file.    
61223246 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Servicing transfer disclosure is missing in loan file.    
61223246 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) The Affiliated Business Disclosure missing.    
61223246 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
  
Higher-Priced Mortgage Loan Test: FAIL      Charged: 6.986%      Allowed: 5.550%     Over by: +1.436%		    
61223246 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial Loan Estimate is missing in loan file.    
61223246 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership Counseling Disclosure is missing in loan file.    
61223246 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Final Transmittal Summary (1008) is missing from the loan documents.    
61223246 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Acct Disclosure is missing in loan file.    
61223246 xx xx xx 698c598b-9d44-4570-a9a2-ecd2f530d8af 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Underwriting Active 3: Curable * Fraud Report Missing  (Lvl 3) Fraud Report is missing in loan file.    
61223246 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) Initial CD is missing in the loan file hence TRID Tolerance test is incomplete.    
61223246 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Settlement Services Provider List is missing in loan file.    
55537227 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
55537227 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) 1. This loan failed the TILA finance charge test. The finance charge is $262,397.43. The disclosed finance charge of $262,212.43 is not considered accurate because it is understated by more than $100.  Subject loan is a purchase, originated on xx/xx/2018 and the SOL is 1 year.

2. This loan has points and fees that exceed the points and fees threshold. The loan amount is $105,158.00 or more, and the transaction's total points and fees is $6,591.00, which exceeds 3 percent of the total loan amount of $182,178.54.  Subject loan is a purchase, originated on xx/xx/2018 and the SOL is 1 year.		    
55537227 xx xx xx 40732d41-ff63-42f7-90be-34db1148c008 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) The operative index of the loan is not confirmed as the Closing Instructions, Rate Lock Agreement and Loan Program disclosure are missing from the loan file.    
55537227 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.

Higher-Priced Mortgage Loan Test: FAIL     Charged: 7.176%      Allowed: 5.990%      Over by: +1.180%		    
55537227 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) A copy of Hazard Insurance Policy is missing from the loan file.    
55537227 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
55537227 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) An executed copy of Initial Escrow Account disclosure is missing from the loan file.    
55537227 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase did not test TRID Tolerance test due to missing initial Closing Disclosure from the loan file.    
55537227 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) An executed copy of Affiliated Business disclosure is missing from the loan file.    
55537227 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) An executed copy of initial CD is missing from the loan file.    
55537227 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) A copy of final 1008 (Transmittal Summary) is missing from the loan file.    
55537227 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that  the subject loan is under review for workout (COVID-Related).    
55537227 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice Of Servicing Transfer Document is missing from the Loan Documents.    
55537227 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) An executed copy of initial LE is missing from the loan file.    
55537227 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).

3. This loan failed the TRID disclosure dates and personal delivery validation test. This loan contains a  Revised Closing Disclosure Receipt Date (xx/xx/2018) that is after the Revised Closing Disclosure Delivery Date (xx/xx/2018). However, the method of delivery is marked as "Personal."		    
55537227 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) A copy of AUS/DU is missing from the loan file.    
55537227 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) A copy of Homeownership Counseling disclosure is missing from the loan file.    
55537227 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE Risk indicator is "Moderate" since this loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (7.176%) is exceeded APOR (5.990%) by 1.180%. The APR threshold is 5.990% and the subject loan is escrowed one.
 
Qualified Mortgage Safe Harbor Threshold Test: FAIL      Charged: 7.176%      Allowed: 5.990%      Over by: +1.180%		    
55537227 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Doc Issue Active 3: Curable * Loan program disclosure missing or unexecuted (Lvl 3) An executed copy of Loan Program Disclosure is missing from the loan file    
55537227 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) The following disclosures are missing from the loan file:

1. Settlement Services Providers List (SSPL) disclosure

2. Fraud Guard Report		    
55537227 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) An executed copy of initial 1003 is missing from the loan file    
55537227 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) An executed copy of Intent to proceed disclosure is missing from the loan file.    
26826891 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%, Seller tape is showing DTI in excess of xx%. Details not provided. Unable to rely on docs in file and unable to calc ATR.    
26826891 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
26826891 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan has failed Charges That Cannot Increase Test, because Initial LE dated xx/xx/2020 shows Points - Loan Discount Fee at $0.00 and Transfer Taxes at $1,293.00, however Final CD dated xx/xx/2021 shows Points - Loan Discount Fee at $1,485.00 and Transfer Taxes at $1,485.00. This is a fee increase of $1,677.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
26826891 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE result is Moderate as this loan has failed Charges That Cannot Increase Test.    
26826891 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
26826891 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated Business Form is missing from loan document.    
77205540 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $169,746.26. Calculated Finance Charge $172,040.11 for an under disclosed amount of $2,293.85  Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing.

Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.		    
77205540 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at 32% but seller defect shows income declining and unstable. Details not provided. Unable to rely on docs in file and unable to calc ATR.    
77205540 xx xx xx 1e97ee4f-ef73-4e4b-9c57-97486b71059f 561 561-3210 xx QM-TRID QC Complete California $xx Credit   Active 3: Curable * Hazard Insurance (Lvl 3) Hazard Insurance Policy does not cover 100% of the unpaid principle balance of the loan. However, Hazard insurance is located at xx    
77205540 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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.		    
77205540 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Charges That In Total Cannot Increase More Than 10% Test:   Loan Data  $1,516.00    Comparison Data   $1,159.40    Variance   +$356.60    
77205540 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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.		    
92819806 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase State Regulations Test Failed (Lvl 3) This loan failed the bona fide discount points test. The loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000 and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate.    
92819806 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE Risk indicator is "Moderate" due to following factors:

1.This loan failed the bona fide discount points test. The loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000 and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate.

2. This loan failed the TRID disclosure and changed circumstances date validation test. The changed circumstances date was not provided and the reason for redisclosure.		    
92819806 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the TRID disclosure dates and personal delivery validation test. This loan contains a  Revised Closing Disclosure Receipt Date (xx/xx/2020) that is after the Revised Closing Disclosure Delivery Date (xx/xx/2020). However, the method of delivery is marked as "Personal."    
92819806 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that retroactive appraisal was provided to cure the outstanding appraisal flexibility violation for interior condition. Retroactive appraisal reduced the value and the revised LTV (xx%). Invalidating the LPA Feedback Certificate.    
51552222 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Oregon $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the Appraiser must report the condition in factual, specific terms and the tax records along with the bedroom/bath count from the borrower are not sufficient to meet this requirement, making it ineligible to for sale to FHLMC.    
64325562 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).		    
64325562 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE Risk indicator is "Moderate" due to following factors:

1. This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $2,728.00 on final CD dated xx/xx/2020. There is a total fee increased of $2,728.00 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.

2. This loan failed the lender credit that cannot decrease test. Missing valid COC for a Non-specific Lender Credit decreased in the amount of $2,532.00 on final CD dated xx/xx/2020.		    
64325562 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) 1. This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $2,728.00 on final CD dated xx/xx/2020. There is a total fee increased of $2,728.00 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.

2. This loan failed the lender credit that cannot decrease test. Missing valid COC for a Non-specific Lender Credit decreased in the amount of $2,532.00 on final CD dated xx/xx/2020.		    
64325562 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that  the subject loan is uninsurable to insure due to the borrower is having 0 entitlement.    
64325562 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The subject loan is a VA. The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower’s income is $xx and total expenses are in the amount of $7,023.06 and the loan was underwritten by AUS/DU (locator#xx) & its recommendation is “Approve/Eligible” and DTI is showing in it as xx%.    
81859442 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliate business disclosure is missing from the loan files.    
81859442 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Loan Fails Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $6,431.30 Fees threshold $4,852.65 Over By +$1,578.65
The below fees were included in the test:

Mortgage Broker Fee (Indirect) $4,590.30 paid by Lender
Points - Loan Discount Fee paid by Borrower: $1,841.00		    
81859442 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) unisured due to the loan closing with an expired FHA case number    
81859442 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan Fails GSE (Fannie Mae public guidelines) QM Points and Fees Test due to Fees charged $6,431.30 Fees threshold $4,852.65 Over By +$1,578.65
The below fees were included in the test:

Mortgage Broker Fee (Indirect) $4,590.30 paid by Lender
Points - Loan Discount Fee paid by Borrower: $1,841.00		    
81859442 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Final CD dated xx/xx/2020. Initial LE dated xx/xx/2020 does not reflect Transfer Taxes . However, Final CD dated xx/xx/2020 reflect Transfer Taxes at $629.00 This is a fee increase of $629.00 for 0% tolerance fee test. Valid COC for the increase in Transfer taxes is missing from the loan documents.    
81859442 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan fails Qualified Mortgage Safe Harbor Threshold test APR Calculated 3.725% APR Threshold 4.711% Over By +0.986%.    
16954028 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
16954028 xx xx xx 5cb32bc6-6817-40b3-bf5e-122771c92d82 561 561-3210 xx QM-TRID QC Complete Alabama $xx Credit Credit Active 3: Curable * Required Documentation Missing or Incomplete  (Lvl 3) Final HUD/VA addendum is missing in the loan file.    
53707882 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM_TRID QC Complete Wyoming $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $2,420.73 per AUS/DU xx and its recommendation is “Approve/Eligible with xx%.”.    
53707882 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM_TRID QC Complete Wyoming $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx% but tape shows seller defect that rental income miscalculated. DTI may exceed xx%. Unable to rely on docs in file and unable to calc ATR."    
53707882 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM_TRID QC Complete Wyoming $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) The Affiliated Business Disclosure missing.    
53707882 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM_TRID QC Complete Wyoming $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as OO but seller defect shows loan may be NOO. Elevated for client review. Radian rescinded MI over occupancy.    
23416058 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Sellers tape reflects the following issue,   "Defective Agency loan --. Lost PIW, Appraisal can't be obtained  - primary residence."    
23416058 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) -  This loan failed the charges that in total cannot increase more than 10% test. The final charges that in total cannot increase more than 10% ($2,988.85) exceed the comparable charges ($2,696.00) by more than 10%.    
23416058 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) -   This loan failed the TRID post-consummation revised closing date and consummation date validation test. This loan contains a post-consummation revised closing disclosure delivery date that is before the consummation date or closing/settlement date if consummation date was not provided. Please review the loan data to ensure the dates are in the correct fields.

-   This loan failed the TRID Post-Consummation Event Validation Test. FAIL this loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan. Please review the loan data to ensure the dates are in the correct fields.		    
23416058 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Property Inspection Waiver (PIW) is missing from the loan documents.    
37753650 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape data reflects the following issue:
The subject loan was delivered as a LPA Approved, non-owner occupied, cash-out refinance transaction with a loan-to-value (LTV) ratio of 75%. The Title Commitment reflects the vested owner of the subject property as "xx, LLC." Freddie Mac Guide section 4301.5 for Cash-Out refinance mortgages states:
"At least one Borrower must have been on the title to the subject property for at least 6-months prior to the Note Date, except as specified below:
*At least one Borrower on the refinance Mortgage inherited or was legally award the subject property
"or"
*The HUD1/Closing Disclosure Statement from the purchase transaction must reflect that no financing secured by the subject property was used to purchase the subject property.
*The title report must reflect the Borrower as the owner of the subject property and must reflect that there are no liens on the property.
*The source of the funds used to purchase the subject property must be fully documented.
*If funds were borrowed to purchase the subject property, those funds must be repaid and reflected on the HUD1/Closing Disclosure statement for the refinance transaction.
*The amount of the cash-out refinance mortgage must not exceed the sum of the original purchase price and related closing costs as documented by the HUD1/Closing Disclosure statement for the purchase transaction, less any gift funds used to purchase the subject property.
*There must be no affiliation or relationship between the buyer and the seller of the purchase transaction."

DOCUMENTATION
The mortgage file lacked the following required documentation:
*Proof of the terms of the mortgage on xx (including tax/ins)		    
37753650 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
39030643 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan fails ComplianceEase Higher priced mortgage loan test. APR Calculated 6.012% APR Threshold 5.220% Over By +0.792%. Higher Priced Mortgage Loan Disclosure signed by borrower is available at xx.    
39030643 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) The revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is 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.

Subject loan is a purchase, originated on xx/xx/2020 and the SOL is 1 year.		    
39030643 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $1674.42 and the loan was underwritten by DU xx and its recommendation is “Approve/Eligible” with a DTI of xx%.    
39030643 xx xx xx 399d40af-a75c-4340-9c3c-97eadb98a8dc 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 2: Acceptable with Warnings * Cash out purchase (Lvl 2) The subject loan is purchase case, however final CD date xx/xx/2020 reflect cash to in the amount of $3956.53.    
39030643 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) TRID Violation due to “Decrease in Lender Credit” in Revised CD xx/xx/2020. Initial LE dated xx/xx/2019 reflects Lender Credit at $702.00, however, Revised CD dated xx/xx/2019 reflects Lender Credit at $0.00. This is decrease of $702.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.    
39030643 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Revised CD dated xx/xx/2020. Revised CD dated xx/xx/2020 reflects Points - Loan Discount Fee at  $116.60 and Survey fee at $425.00. However, This is fee increase of $116.60 and $425.00 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents.    
39030643 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Document is missing from the loan documents.    
39030643 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home Loan Toolkit is missing from the loan file.    
39030643 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Qualified Mortgage Safe Harbor Threshold test APR Calculated 6.012% APR Threshold 5.66% Over By +0.352%.    
39030643 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) As per the Seller tape data reflects following issue,"Loan closed 5/xx/20 Appraisal dated 12/xx/19, Appraisal update completed 4/xx/20 -  this is more than 120 days from original appraisal effective date (131 days to be exact). and 1004D is missing from the loan documents.    
2288986 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Loan was approved at xx%. Per tape, income miscalculation relying on REO of rental may push DTI over xx%. Unable to rely on income document in file and unable to calculate ATR .    
2288986 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home Loan Toolkit is missing in the loan documents.    
2288986 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID Tolerance Test is Incomplete due to Initial Closing Disclosure is missing in the loan documents.    
2288986 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing in the loan documents.    
2288986 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial Closing Disclosure is missing in the loan documents.    
93262641 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $114,219.15. Calculated Finance Charge $114,303.55 for an under disclosed amount of -$84.40.

Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.		    
93262641 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal Report is missing from the loan Documents    
93262641 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue:General Appraisal Requirements. Missing appraisal. TX A6 is not eligible for PIW or loan delivery w/ appraisal dated after Note date.                                                       Supporting documents to validate the issue is missing from the loan documents.    
91826840 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )
The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and
non-specific lender credits ($103.48) does not exceed or equal the comparable sum of specific and non-specific lender credits
($2,910.31). 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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer
does not exceed the amount originally disclosed under §1026.19(e)(1)(i).		    
91826840 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2021. Initial CD dated xx/xx/2021 reflects Lender Credit at $2,910.31. However, Final CD dated xx/xx/2021 reflects Lender Credit at $103.48. This is decrease of $2,806.83 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from loan documents.    
91826840 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Agency Loan amount exceeds max allowed for County - loan closed w/ incorrect County for subject property. When the County was corrected, AUS was not updated - Ventura County max loan amount $xx - Subject loan amount $xx.    
92099157 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from Loan Document.    
92099157 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to decrease in Lender Credit on Final Closing Disclosure dated xx/xx/2021. Revised LE#2 dated xx/xx/2021 reflect Lender Credit at $3,920.00, however, Final Closing disclosure  dated xx/xx/2021 reflect Lender Credit at $3,903.54. This is decrease of $16.46 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan files.    
92099157 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent To Proceed is missing from Loan Document.    
92099157 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Delaware $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects following issue “Missing appraisal- Loan closed w/o appraisal or PIW approval. PIW lost when property type corrected from SFR to condo. 2nd Home- unable to deliver w/ appraisal dated after Note date. “To validate the issue, document is missing from loan document.    
92099157 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the lender credits that cannot decrease test. ( 12 CFR §1026.19(e)(3)(i) )
The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and
non-specific lender credits ($3,903.54) does not exceed or equal the comparable sum of specific and non-specific lender credits
($3,920.00). 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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer
does not exceed the amount originally disclosed under §1026.19(e)(1)(i).		    
38837275 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) CE result is Elevated as this loan has failed Qualified Mortgage DTI Threshold Test.    
38837275 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 4: Unacceptable * Loan does not conform to program guidelines (Lvl 4) Seller tape reflects the following issues, "Loan has been closed with LP recommendation of Ineligible/Caution with a DTI of xx%".    
38837275 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $23,942.65 and the loan was underwritten by AUS/LP (locator# xx) and its recommendation is “Ineligible/Caution” with a DTI of xx%    
88885284 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete New York $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal Document is missing from the loan file.    
88885284 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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. FAIL		    
88885284 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to loan failed charges that cannot increase test in Post consummation CD dated xx/xx/2021. Initial LE dated xx/xx/2020 reflects Transfer Taxes at $5,619.00. However, Post consummation CD dated xx/xx/2021 reflects Transfer Taxes at $6,964.00.which is increase of $1,345.00(paid by lender.) Valid COC for the addition of fee is missing from the loan documents.    
88885284 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement document is missing from loan file.    
88885284 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed Document is missing from the loan file.    
88885284 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue: General Appraisal Requirements.   Loan closed w/o appraisal or PIW approval. Loan closed after PIW expiration date. Updated LP approval did not have PIW. Exterior only appraisal was ordered, however, previous loan paid off was not owned by freddie, DU never offered PIW - FNMA declined exception for exterior only appraisal dated after note date. Supporting documents to validate the issue is missing from the loan documents.    
10159423 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TRID Tolerance Test Failed (Lvl 2) This loan failed the charges that in total cannot increase more than 10% test. Valid COC is available in the loan file (locator: xx) however compliance report is reflecting Changed Circumstance Status as INVALID.    
10159423 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Closing Disclosure dated xx/xx/2021 does not reflect a signature and the document tracking disclosure was not located.  Three day mail method for delivery and receipt was used and loan is failing for timing of this TRID.  Document tracker is required to ensure timing and clear timing fail.    
10159423 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI Certificate is missing in the loan file. Appraisal report dated xx/xx/2021 reflects appraised value as $xx and loan amount is $xx hence LTV is xx%.    
10159423 xx xx xx b059f1da-584f-4b49-a8ec-23568206c180 561 561-3210 xx QM-TRID QC Complete Georgia $xx Valuation Doc Issue Active 3: Curable * Appraisal dated after closing (Lvl 3) Loan closed on xx/xx/2021 and appraisal report available in the loan file is dated xx/xx/2021. AUS/DU (xx) dated xx/xx/2020 reflects Estimated Appraised Value as $xx whereas appraisal report reflects appraised value as $xx hence variance is more than xx%.    
10159423 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Sellers tape reflects the following issue, LTV exceeds max for cash out refi - loan was approved no cash out refi w/ PIW - loan amount increased by $xx and loan purpose changed to cash out - PIW was lost and loan closed w/o appraisal. Appraisal ordered and received post close - value in lower than owners estimate and LTV now exceeds xx%    
78030786 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved as accept at xx%. Tape shows defect that BWR was not employed within 10 days of note date. Further details not provided as to whether or not employed at closing. Unable to rely on docs in file and unable to calc ATR.    
78030786 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $4,758.34 per AUS/LP xx and its recommendation is “Accept with xx%.”.    
878929 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Other Disclosures Active 2: Acceptable with Warnings * Missing Required Disclosures (Lvl 2) Appraisal report is missing in the loan file hence DSCR could not be calculated.    
878929 xx xx xx 287af4e3-a828-44ad-a18f-4594aa5e38df 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Credit Active 2: Acceptable with Warnings * Excessive DTI (Lvl 2) The loan failed the DTI threshold test. DTI is xx%. as the Borrower income was $xx and total expenses are in the amount of $1,617.99 per AUS/LP xx and its recommendation is “Accept with xx%..”.    
878929 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Signed Escrow Waiver is missing in loan file.    
878929 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Michigan $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan file.    
878929 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue, "General Appraisal Requirements. Missing appraisal - loan closed w/o appraisal or PIW approval. PIW lost when occupancy corrected from primary residence to investment-PIW lost on LP run #xx and closed on LP #xx."    
21054948 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Unable to determine borrower's ATR. There are no supportive documents for income & Assets are available in the loan file to determine borrower's ATR. In addition, seller defect shows seller may have made initial 3 payments due to other loan that did not close and question as to BWR employment.    
21054948 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Required affiliated business disclosure is missing from the loan file.    
21054948 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial closing disclosure is missing from the loan file.    
21054948 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Proof of hazard insurance is missing from the loan file.    
21054948 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer disclosure is missing from the loan file.    
21054948 xx xx xx 9ec6b0ff-0814-48f3-bf27-388542488f94 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit AUS Active 3: Curable * Document(s) Required by AUS Missing from Loan file (Lvl 3) AUS/xx/LP document is missing from the loan file.    
21054948 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock document is missing from the loan file.    
21054948 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Doc Issue Active 3: Curable * Missing flood cert (Lvl 3) Flood insurance certificate  is missing from the loan file.    
21054948 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow account disclosure is missing from the loan file.    
21054948 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Washington $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report at the time of loan origination is missing from the loan file.    
21054948 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial LE document is missing from the loan file.    
21054948 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller tape reflects "Mortgage/Program Eligibility.     This loan was escalated to Customer Care in February. This loan originated as a 2 pack that was intended to close concurrently, but never did. Both loans were withdrawn. Ultimately it was determined the primary residence was to remain active and fund independent of the investment property - (The inv property was accurately cancelled out per Borrower request). The Primary loan xx closed 11/xx/20. We are unable to redraw this loan due to the Borrowers current employment situation. Borrower was employed at time of executing the November documents. So, we need to fund off of the loan docs that were executed in November. We will need to cover this Borrower's January, February, and March mortgage payments." However, Supporting document to validate the issue is missing from loan documents.    
21054948 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal/1008 document is missing from the loan file.    
21054948 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership Counselling Disclosure is missing from the loan file.    
21054948 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final Closing disclosure is missing from the loan file.    
21054948 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial 1003 document is missing from the loan file.    
21054948 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Right of Rescission missing or unexecuted (Lvl 3) ROR is missing from the loan file.    
52328380 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Kansas $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Loan fails Compliance Ease delivery and timing test for Closing Disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is after the Consummation date xx/xx/2020.    
52328380 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Kansas $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Copy of required Appraisal report is missing from loan file. Appraisal report located at xx  is as of on xx/xx/2020. PIW is missing from loan file.    
52328380 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Kansas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflect following issue,
'LTV exceeds max for loan purpose - xx% - loan closed w/ incorrect loan purpose as no cash out w/ PIW. Upon correction to cash out, PIW was lost and appraisal ordered. Appraisal received w/ value lower than owners estimate and LTV now exceeds max for cash out.'		    
52328380 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Kansas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test.

 Initial LE dated xx/xx/2020  reflects Lenders Title Insurance Policy at $585.00. However, PCD dated xx/xx/2020 reflects Lenders Title Insurance Policy at $715.00. This is an increase of sum of $$130.00 for charges that cannot increase 0% tolerance test. Valid COC is missing from the loan documents.


 Initial LE dated xx/xx/2020  does not reflects Title Document Preparation Fee. However, PCD dated xx/xx/2020 reflects Title Document Preparation Fee at $50.00. This is an increase of sum of $50.00 for charges that cannot increase 0% tolerance test. Valid COC is available, still loan fails.		    
52328380 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Kansas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the Kansas license validation test.
Kansas SB 129 (2013 Kansas Laws Ch. 29) requires lenders who originate subordinate mortgage liens to be licensed
under the Kansas Uniform Consumer Credit Code on or after July 1, 2013. After this date, lenders are no longer allowed
to make subordinate lien loans under a Kansas License Using Interest Section 16-207 or its corresponding Exemption
Letter.

This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order
to correctly perform reimbursement calculations.
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		    
46129534 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) A copy of Rate Lock Agreement is missing from the loan documents.    
46129534 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the TRID initial closing disclosure date and post-consummation revised closing disclosure date validation test.
This loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt date was not provided) that is after the post-consummation revised closing disclosure date. Please review the loan data to ensure the dates are in the correct fields.

This loan failed the TRID initial closing disclosure date and post-consummation event requiring redisclosure date validation test.
This loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt date was not provided) that is after the post-consummation event requiring redisclosure date. Please review the loan data to ensure the dates are in the correct fields.
This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.
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.		    
46129534 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Compliance Ease delivery and timing test for Revised Closing Disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is after the Consummation date xx/xx/2020.    
46129534 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue "VA COE/Entitlement: VA loan does not meet NTB"    
46129534 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to loan failed charged that cannot increase test in Post Consummation CD dated xx/xx/2020. Initial LE dated xx/xx/2020 does not reflect Appraisal Fee. However, Post Consummation CD dated xx/xx/2020 reflects Appraisal Fee at $ 525.00. Valid COC dated xx/xx/2020 clearly mentioning the addition of Appraisal Fee.    
84778475 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan was approved at DTI of xx%. Per tape, BWR was unemployed at closing. Unable to relay on income document in file and unable to calculate ATR.    
12016793 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from Loan Document.    
99110209 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per the seller tape data reflects following issue,"Seller Tape Reflects the following issue "LTV/CLTV/HCLTV. GENERAL ELIGIBILITY: Per FHLMC guide section 4605(a), HomeOne Mortgages must be "No Cash-Out" refinance mortgages meeting the following requirement. For Mortgages with LTV and/or TLTV ratios greater than xx%, the mortgage being refinance must be owned in whole or in part or securitized by Freddie Mec. For Mortgages with TLTV ratios greater than xx% with secondary financing that is not an Affordable Second, the Mortgage being refinanced must be owned in whole or in part or securitized by Freddie Mac. The Mortgage that was paid off at closing was not previously owned by Freddie Mac."    
99110209 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) This loan failed the revised closing disclosure delivery date test (no waiting period required). The revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.    
54745154 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required Disclosures (Lvl 2) Home Loan Toolkit is missing from the loan file.    
54745154 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges That Cannot Increase test due to increase in fee in Final CD dated xx/xx/2019.Initial LE dated xx/xx/2019 reflects Appraisal Fee at $542.00.Final CD dated xx/xx/2019 reflects appraisal fee at $675.00 this is increase of $133.00. Valid COC for increase in fees is missing from the loan file.    
54745154 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) This loan is FHA. MI Certificate is missing from the loan file.    
54745154 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to Proceed Document is missing from the loan file.    
54745154 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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.		    
54745154 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller tape, mortgage/program eligibility. Missing new construction documents.    
54745154 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $2,746.89 and the loan was underwritten by AUS/DU xx and its recommendation is “Approve/Eligible” with xx%.    
93308327 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Per tape, seller defect shows BWR was not employed at closing. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
93308327 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to a fee increase on CD dated xx/xx/2020.  LE dated xx/xx/2020 reflects a Origination Points at $205, however, CD dated xx/xx/2020 reflects the Origination Points at $205.11.  This is a fee increase of $0.11 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.

TRID Violation due to a fee increase on CD dated xx/xx/2020.  LE dated xx/xx/2020 reflects a Credit Report Fee at $20, however, CD dated xx/xx/2020 reflects the Credit Report Fee at $20.36.  This is a fee increase of $0.36 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.		    
93308327 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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.		    
93308327 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loans toolkit disclosure is missing from the loan file.    
93308327 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
93308327 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test is fail. Loan data is $149,280.46 and comparison data is $149,445.46. Hence, the variance is -$165.00.
Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.

TILA Foreclosure Rescission Finance Charge Test is fail. Loan data is $149,280.46 and comparison data is $149,445.46. Hence, the variance is -$165.00.
Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.		    
93308327 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Oregon $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report at the origination is missing from the loan file.    
52279988 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
52279988 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) The loan failed Charges that in total cannot Increase more than 10% test due to increase in fee in Final CD dated xx/xx/2020. Initial LE dated xx/xx/2020 reflects Recording Fee at $1,160.00. However, Final CD dated xx/xx/2020 reflects at $1,685.00. Valid COC for the increase of fee is missing from the loan documents.    
52279988 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to loan failed charged that cannot increase test in Final CD dated xx/xx/2020. Initial LE dated xx/xx/2020 does not reflect State Tax/Stamps. However, Final CD dated xx/xx/2020 reflects State Tax/Stamps at $4,317.00. Valid COC for the addition of fee is missing from the loan documents.    
52279988 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the TRID "Section A. Origination Charges" validation test.
This loan contains a fee or fees where "compensation to" is set to a party other than lender or broker, but this fee or fees should not be retained by any party other than the lender or broker.

"Section A. Origination Charges" should contain an itemization of each amount, and a subtotal of all such amounts, that the consumer will pay to each creditor and loan originator for originating and extending the credit.

This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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.		    
52279988 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Per tape, seller defect shows BWR was not employed at closing. Unable to determine borrower's income. Unable to rely on docs in file and unable to calc ATR.    
90908333 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue, Appraisal Reconciliation. Automated collateral evaluation (ACE) requirements were not met. The subject loan was evaluated by LPA and received a risk classification of Accept. The LPA Feedback certificate indicates that the loan was eligible for collateral representation and warranty relief with an appraisal waiver (ACE). However, mortgages for which an appraisal has been obtained in connection with the mortgage are ineligible for an appraisal waiver (ACE). An appraisal for the subject property was submitted to the UCDP on July 2, 2020, with an effective date of July 2, 2020. The market value estimate shown on the UCDP appraisal was $xx, which would have resulted in an 92%. Supporting document to validate the issue is missing from the loan documents.    
90908333 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
28914921 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE result is Moderate as this loan has failed TRID Post-Consummation Event Validation Test.    
28914921 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan fails Revised Closing Disclosure Delivery Date Test (Waiting Period Required) due to The revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, Initial Closing disclosure dated xx/xx/2021 and Revised Closing disclosure dated xx/xx/2021 is less than three business days after the Initial CD dated xx/xx/2021.    
28914921 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 47.015%, the Borrower income was $xx and total expenses are in the amount of $3058.93 and the loan was underwritten by AUS/DU xx and its Risk class is “Caution” with a DTI of xx%.    
28914921 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan fails “TILA Finance Charge Test”. Finance charge disclosed on Final CD as $150561.42. Calculated Finance Charge $150561.42 for an under disclosed amount of $16443.00.  Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.
 This loan failed the TILA APR test The annual percentage rate (APR) is 3.590%. The disclosed APR of 3.281% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method
Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.		    
41764060 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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.		    
41764060 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Loan fails ComplianceEase delivery and timing test Initial Loan Estimate dated xx/xx/2021. Document tracker proving the delivery of Initial Loan Estimate within 3 business days is missing from the loan documents.

Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.		    
41764060 xx xx xx c56299d8-a56d-4ee2-ba5d-9e8408623724 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * ComplianceEase RESPA Test Failed (Lvl 3) Loan failed the homeownership counseling organizations disclosure date test. Loan originator received application on xx/xx/2021, however Homeownership Document Date is xx/xx/2021 which is more than 3 Business days from xx/xx/2021.    
41764060 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue: "Borrower eligibility - S.S. is the primary borrower and is a Temporary Resident of the U.S. and has indicated occupancy in the subject as Primary Residence.  Co-Borrower, xx of the U.S and has indicated that the subject will not be Primary Residence."    
41764060 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as OO. Per tape, BWR2 may not be using as primary so loan may be NOO.    
41764060 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date xx/xx/2021 is more than 60 calendar days after the consummation date xx/xx/2021.    
41764060 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed Compliance Ease TRID Tolerance Test due to Initial Loan delivery date test is failed.    
93367308 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Loan fails TILA Finance Charge Test; finance charge reflects $363,009.95, threshold is $364,293.36 and variance is -$1,283.41.

Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.		    
93367308 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 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; or
The Initial Closing Disclosure Receipt Date is before Initial Closing Disclosure Delivery Date; or
The Revised Closing Disclosure Receipt Date is before Revised Closing Disclosure Delivery Date.		    
93367308 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the TRID disclosure delivery and receipt date validation test due to the Revised Loan Estimate Dated xx/xx/2021 and receipt date is xx/xx/2021. However, revised LE dated xx/xx/2021 and receipt date is xx/xx/2021.    
93367308 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan closed with xx% LTV/CLTV. Seller tape reflects loan close with incorrect appraised value of $xx. Subject loan is purchase primary and appraisal report reflects property value of $xx. As a result of considering $700,000.00 the LTV/CLTV is at xx%.    
20931737 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final Closing Disclosure is missing from loan file.    
20931737 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
20931737 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial Application is missing from loan document.    
20931737 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot decrease test. Initial LE dated xx/xx/2021 reflects Non-specific lender credit at $1,964.00. However, Final CD dated xx/xx/2021 reflects Non-specific lender credit at $0.00. This is decrease of $1,964.00 for charges that cannot decrease. Valid COC for the decrease in NSLC is missing from the loan documents.    
20931737 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal summary document is missing from loan document.    
20931737 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects following issues:
    'FHA Loan closed without UFMIP and monthly MIP in place - Loan is Uninsurable.  Loan was never sold.’
This Loan does not charge UFMIp.  However, this loan is FHA uninsured.		    
88677562 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller defect show income miscalculation may push DTI over xx% and invalidate AUS. Details not provided. Unable to rely on docs in file and unable to calc ATR.    
88677562 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,542.79 and the loan was underwritten by AUS/xx/LP (locator# xx) and its recommendation is “Accept” with a DTI of xx%    
88677562 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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.		    
88677562 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan file.    
88677562 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan fails charges that cannot increase test due to Initial LE dated xx/xx/2020 reflects Points - Loan Discount Fee at $3,817.00. However, final CD dated reflects Points - Loan Discount Fee $5,948.66. This is increase of +$2,131.66. Valid COC is missing from loan documents.    
85450425 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller defect shows BWR was in FB with prior residence before purchase of subject property. Tape says other residence was sold but some Q over where BWR met prior residence FB plan.    
85450425 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $3,263.39 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%    
6274281 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller defect shows income calculation is incorrect and DTI in excess of xx%. Unable to rely on documents in file and unable to calculate ATR.    
6274281 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) A Rate Lock Agreement signed by the Borrower is Missing from the Loan Documents.    
67685416 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issues, "UNINSURABLE - Appraisal update was not ordered until after original appraisal expired."    
67685416 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2021. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2021. Note date is xx/xx/2021.    
57036418 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflect the settlement date xx/xx/2021 and final Note date xx/xx/2021.    
57036418 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $1,944.30 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%    
57036418 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape reflects following issue " Loan Closed without Flood Insurance impounded in the loan document and incorrect flood disclosure signed at closing of the Loan. "    
57036418 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) A PIW Disclosure Signed by the borrower is missing from the Loan Documents.    
41926625 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete West Virginia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing in the loan documents.    
41926625 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete West Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan fails “TILA Finance Charge Test”. Finance charge disclosed on Final CD is $133,036.05. Calculated Finance Charge is $133,720.11. The test fails for an under disclosed amount of $684.06.  Reason for Finance Charge under disclosure is unknown.

Subject loan is a purchase, originated on xx/xx/2020 and the SOL is 1 year.		    
41926625 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete West Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. BWR retired before closing and DTI may be in excess of xx%. Unable to rely on documents in file & unable to calculate ATR.    
41926625 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete West Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase test. Initial LE dated xx/xx/2020 reflects Transfer Taxes at $1,040.00. However, Final CD dated xx/xx/2020 reflects Transfer Taxes(Paid By Seller) at $2,090.00 . This is an increase of $1,050.00 for charges that cannot increase.    
41926625 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete West Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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.		    
55543811 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $4,273.80 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%    
55543811 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage Insurance Certificate is missing from loan documents.    
55543811 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
55543811 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects,Unisured FHA/VA Loan.    
1241362 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller defect shows SE bank statements altered. Unable to rely on docs in file and unable to calc ATR.    
1241362 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $$425,388.91. Calculated Finance Charge $$426,371.92 for an under disclosed amount of $983.01.Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing.

Subject loan is a purchase, originated on xx/xx/2019 and the SOL is 1 year.		    
1241362 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
1241362 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot decrease test. Initial LE dated xx/xx/2019 reflects Non-specific lender credit at $2291.00. However, Final CD dated xx/xx/2019 reflects Non-specific lender credit at $2106.92. This is decrease of $184.08 for charges that cannot decrease. Valid COC for the decrease in NSLC is missing from the loan documents.    
1241362 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) 1004MC is missing from loan document. However Appraisal from loan document was prepared for another lender.    
1241362 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow disclosure signed  by borrower is missing from the loan file.    
7245101 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $2,627.65 and the loan was underwritten by AUS/LP (locator# xx) and its recommendation is “Approve/Eligible” withxx%.    
7245101 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) A copy of rate lock agreement is missing from the loan file.    
7245101 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issues. "Cash out refinance in forbearance is not eligible for delivery to FNMA” However, no such issue has been verified from the loan file.    
47258347 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Delaware $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) In VA IRRRL streamline refinance loans, there should WAITING period or GAP between of 210 days First payment date of Existing mortgage which is getting paid off and between Closing of our new Subject loans. In this loan the waiting period is not satisfied as the First payment of existing mortgage is less than 210 days.    
47258347 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
84207780 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing or error on the Rate Lock Document (Lvl 2) Rate lock provided expired on xx/xx/2020 and the loan closed on xx/xx/2020. No lock extension found.    
84207780 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
84207780 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed document is missing from the loan documents.    
84207780 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Missing Initial Escrow Acct Disclosure dated xx/xx/2020 signed by the Borrower.    
84207780 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape reflects the following issue; "Uninsured FHA/VA Loan."    
84207780 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) VA Guarantee Certificate document is missing from the loan documents.    
22716046 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape reflect issue that Loan is Uninsured FHA/VA Loan.    
22716046 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) A copy of Rate Lock Agreement is missing from the loan documents.    
90371066 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Intent to proceed document is missing from the loan documents.    
90371066 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
90371066 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller tape, "the loan is uninsured FHA/VA loan."    
90371066 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account Disclosure is not signed by the borrower.    
90371066 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) VA Guarantee Certificate is missing from the loan documents.    
49591943 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Loan closed with xx% of DTI.Per tape, seller defect shows use of rental income not supported. Further details not provided. Unable to rely on documents in file and unable to calculate ATR.    
49591943 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan fails Charges That Cannot Increase Test: Initial LE dated xx/xx/2020 reflects Transfer Taxes at $4,599.00 and final CD dated xx/xx/2020 reflects Transfer Taxes at 9,198.00. This is increase of $4,599.00. However, increased fee ($4,599.00) paid by seller.    
49591943 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the Pennsylvania license validation test. (PA HB 2179 Section 6111) The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November 5th, 2008. The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a closing date before November 5th, 2008. Additionally, the Pennsylvania First Mortgage Banker License, Pennsylvania Secondary Mortgage Loan License, Pennsylvania Unlicensed (Subordinate Lien), and Pennsylvania Exemption Letter are not available for loans with a closing date on or after January 1st, 2009. This loan failed the reimbursement amount validation    
29262221 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan type is Conventional. The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $3,283.09 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with xx%.    
29262221 xx xx xx ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * LE/CD Issue date test Fail (Lvl 3) This loan failed the initial closing disclosure delivery date test. Revised Closing Disclosure dated xx/xx/2019 is not signed by the borrower. Document tracker is also missing for this disclosure. The test fails because the initial closing disclosure delivery date is not less than three business days before the consummation date.    
29262221 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test. The annual percentage rate (APR) is 4.341%. The disclosed APR of 4.083% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. Subject loan is a purchase, originated on xx/xx/2019 and the SOL is 1 year.    
29262221 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan fails “TILA Finance Charge Test”. Finance charge disclosed on Final CD is $221,461.10. Calculated Finance Charge is $231,151.10. The test fails for an under disclosed amount of $9,690.00.  Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a purchase, originated on xx/xx/2019 and the SOL is 1 year.    
29262221 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape shows missing tax returns to validate BWR income. Unable to rely on docs in file and unable to calc ATR.    
12812586 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $2,306.89 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with xx%.    
12812586 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii))
The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:

"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven 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 revised loan estimate delivery date is less than four 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

The revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four 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
The revised loan estimate delivery date is on or after the initial closing disclosure delivery date.

The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail.		    
12812586 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of Servicing Transfer disclosure is missing from the loan file.    
12812586 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller tape, Cash out refinance in forbearance is not eligible for delivery to FNMA. As per Final CD, there is cash out refinance in the amount of $22,103.58.    
12812586 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to a fee increase on CD dated xx/xx/2020.  LE dated xx/xx/2019 reflects a Origination Points at $3108.00, however, Revised CD dated xx/xx/2020 reflects the Origination Points at $3969.78.  This is a fee increase of $861.78 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees. "    
12812586 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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.		    
10305353 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller tape issue, this Cash Out refinance is in forbearance & is not eligible for delivery to FNMA.    
17336049 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Valuation Doc Issue Active 4: Unacceptable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) As per Appraisal report (xx) subject property is subject to complete. Required Completion report (1004D) is missing from loan file.    
17336049 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Initial CD  dated xx/xx/2018. Initial LE dated xx/xx/2018 reflects Appraisal Re-Inspection Fee at $1,000.00. However, Initial CD  dated xx/xx/2018 reflects Appraisal Re-Inspection Fee at $1,250.00.. This is fee increase of $250.00 for 0% tolerance test fee.    
17336049 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order
to correctly perform reimbursement calculations.
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.		    
17336049 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * ComplianceEase State Regulations Test Failed (Lvl 3) This loan failed the prohibited fees test. Due to following Fees,

Administration Fee paid by Borrower: $500.00
Homestyle Consultant Fee paid by Borrower: $700.00
Homestyle REPAIRS AND PERMITS paid by Borrower: $1,100.00
Title - Homestyle Title Updates paid by Borrower: $95.00		    
17336049 xx xx xx 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit LTV Active 3: Curable * LTV or CLTV exceeds 104% (Lvl 3) As per final CD, the sales price is $xx which is less than the original loan amount of $xx. Hence LTV/CLTV is greater than xx%.    
88716665 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
88716665 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard Insurance is missing from the loan documents.    
88716665 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test due to The finance charge is $228,487.30. The disclosed finance charge of $227,931.31 is not considered accurate because it is understated by more than $100.

Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.		    
88716665 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete California $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) The 1008/Transmittal document is missing from the loan file.    
88716665 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report at the time of loan origination is missing from the loan file.    
88716665 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to Proceed is missing from the loan documents.    
88716665 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan Toolkit disclosure is missing from the loan file.    
88716665 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock Agreement is missing from the loan documents.    
18451410 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Oregon $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
18451410 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Loan Approved at xx% DTI. Borrower was not employed at Closing. Unable to rely on documents in file and unable to calculate ATR.    
18451410 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Post-consummation CD dated xx/xx/2020. Initial LE dated xx/xx/2019 reflects Points - Loan Discount Fee at $597.00. However, Post-consummation CD dated xx/xx/2020 reflects Points - Loan Discount Fee at $2,710.65. This is fee increase of $2,113.65 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents.    
18451410 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Compliance Ease delivery and timing test for Initial Closing Disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is less than 3 business day before Consummation date 0xx/xx/2020.    
18451410 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Loan failed Written List of Service Providers Disclosure Date Test. Originator received application on xx/xx/2019, however SSPL Document Date is xx/xx/2019 which is more than 3 Business days from xx/xx/2019.    
18451410 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
83893867 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to Proceed missing from the loan file.    
83893867 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape Reflects the issue Lender used (Located at xx) Exterior Only Appraisal Fannie Mae Form 2055.    
83893867 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account Disclosure is not signed by borrower.    
83893867 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by borrower is missing from the loan file.    
82650863 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) Net Operating Income ($4,848.40) and Total Annual operating expenses are $4,847.40. Debt Service cover ratio (DSCR)= -0.16 .    
82650863 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape reflects the issue where Product Guidelines not meet for a Refinance Loan.    
82650863 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock agreement is missing in the loan documents.    
82650863 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Operating Income Statement is missing in the loan documents.    
18914941 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape reflects following issue " product guideline not met, Full appraisal was required, PIW was used. "
The Subject property is located at xx, state. Required Full Appraisal report (1004) is missing from loan file. However, PIW is used located at (xx).		    
18914941 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock agreement is missing from loan file.    
52386978 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan has a qualified mortgage DTI of xx%, the borrower's  Income is $xx and the total expenses are in the amount of $2,042.89. The loan was underwritten by AUS/LP(xx) and its recommendation is "Accept/Eligible" with a DTI of xx%.    
52386978 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape reflects the issue in which exterior only appraisal is mentioned in the loan documents due to which product guidelines does not meet the requirement of the loan.    
52386978 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow account disclosure statement is available in the loan file but not signed by borrower.    
52386978 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) The finance charge is $66,051.02. The disclosed finance charge of $65,897.81 is not considered accurate because it is understated by more than $100.

Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.		    
66389653 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) A copy of Rate of Lock Agreement is missing from the loan documents.    
66389653 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2020 does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/2020 reflects the addition of Points - Loan Discount Fee at $1,484.81. This is an increase of $1,484.81 for charges that cannot increase 0% test. However, COC for the addition of Points - Loan Discount Fee is missing from the loan documents.    
66389653 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Indiana $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Appraisal is missing from the loan file. However PIW is also not available.    
66389653 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) TRID Violation in Charges That Cannot Increase More Than 10% Test. Comparable fee amount for Charges that cannot increase more than 10% in Initial Loan Estimate Dated on xx/xx/2020 is $1,035 and on Final Closing Disclosure Dated on xx/xx/2020 Fee amount is $1,240.00. Fee amount exceeds by $205.00.    
66389653 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Indiana $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Per AUS, Loan eligible for Appraisal Wavier/PIW. However, Appraisal wavier/PIW is missing from loan documents.    
59602647 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Loan was underwritten by AUS/DU and recommended with 'Approve/Eligible' with xx% DTI is located at (locator-xx). However,the Seller tape data reflects, Roundpoint investment loan with DU issues.    
59602647 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard Insurance is missing from loan documents.    
59602647 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Appraisal is not required. However,the PIW is missing from loan documents.    
61754284 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) A Rate Lock Agreement disclosure is missing from the loan documents.    
61754284 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Nevada $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape reflects following issue; Seasoning Not Met.    
17058554 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent To proceed is missing from the loan documents.    
17058554 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account Disclosure is not signed by borrower.    
17058554 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2020 reflects Points - Loan Discount Fee at $2,261.00. However, Final CD dated xx/xx/2020 reflects the Points - Loan Discount Fee at $2,274.32. This is an increase of $13.32 for charges that cannot increase 0% tolerance test. Valid COC for the increase of Points - Loan Discount Fee is missing from loan documents.    
17058554 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per the seller tape issue, VA IRRRL seasoning is not met. In order to qualify for a VA IRRRL, a VA loan must be seasoned for at least 210 days and you must have made your mortgage payment for at least 6 consecutive months.    
74744155 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing in the loan documents.    
74744155 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account Disclosure is not signed in the loan documents.    
74744155 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape Reflects Following Issue,"Seasoning Not Met".    
76197560 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Loan Failed TILA Finance charge Test due to Finance Charge disclosed on Final CD dated xx/xx/2021 as $148,225.80. Calculated Finance Charge $ $148,721.75 for an under disclosed amount of -$495.95.  Reason for Finance Charge under disclosure is due to Sub-Escrow Fee paid by Borrower in the amount of $497.38.

Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.		    
76197560 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to decrease in Lender Credit on Final Closing Disclosure dated xx/xx/2021. Revised CD dated xx/xx/2021 reflects Lender Credit at $4,184.08, However, Final CD dated xx/xx/2021 reflects Lender Credit at $3,197.91. This is decrease of $986.17 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.    
76197560 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Compliance Ease delivery and timing test for Initial Closing Disclosure dated xx/xx/2021. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2021 and the Consummation date xx/xx/2021.    
76197560 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Sellers tape reflects the following issue, In VA IRRRL streamline refinance loans, there should WAITING period or GAP between of 210 days. First payment date of Existing mortgage which is getting paid off and between Closing of our new Subject loans. In this loan the waiting period is not satisfied    
76197560 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
18886420 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller tape issue, VA seasoning is not met. In order to qualify for a VA IRRRL, a VA loan must be seasoned for at 210 days and you must have made your mortgage payment for at least 6 consecutive months    
18886420 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase test. Initial LE dated xx/xx/2019 does not  reflects Transfer Taxes  Fees . However, Final CD dated xx/xx/2019 reflects Transfer Taxes Fees at $225.00. This is an increase of $225.00 for charges that cannot increase. Valid COC is missing from the loan documents.    
18886420 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Disclosure is not signed by the borrower in the loan documents.    
12900089 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan fails “TILA Finance Charge Test”. Finance charge disclosed on Final CD is $159,196.76. Calculated Finance Charge is $159,485.22. The test fails for an under disclosed amount of -$288.46.  Reason for Finance Charge under disclosure is unknown.

Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.		    
12900089 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Copy of Initial Escrow Account Disclosure signed by borrower is missing from loan file.    
12900089 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue,' Seasoning Not Met''.
 "In VA IRRRL streamline refinance loans, there should WAITING period or GAP between of 210 days First payment date of Existing mortgage which is getting paid off and between Closing of our new Subject loans. In this loan the waiting period is not satisfied".		    
12900089 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Compliance Ease delivery and timing test for Closing Disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is after the Consummation date xx/xx/2020.    
12900089 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Document is missing from the loan file.    
13811412 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Idaho $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to decrease in Lender Credit on Final Closing Disclosure dated xx/xx/2020. Initial CD dated xx/xx/2020 reflect Lender Credit at $34.46 however, Final CD dated xx/xx/2020 reflect Lender Credit at $14.41. This is decrease of $20.05 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan files.    
13811412 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Idaho $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Per AUS, Loan eligible for Appraisal Wavier/ PIW. However, PIW/Appraisal Wavier is missing from the loan documents.    
13811412 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Idaho $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Loan approved at xx%. Tape shows undisclosed debt. Details not provided. Unable to rely on documents in file and unable to calculate ATR.    
13811412 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Idaho $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date xx/xx/2020 is more than 60 calendar days after the consummation date xx/xx/2020.

Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.		    
13811412 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Idaho $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $3,327.24 and AUS DU/LP is missing from the loan files.    
13811412 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Idaho $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS DU/LP is missing from the loan files.    
13811412 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Idaho $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Final Rate lock agreement is missing from the loan files.    
95765404 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) The loan approved at DTI of xx% Undisclosed debt found after closing. Details not provided. Unable to rely on docs in file and unable to calc ATR.    
95765404 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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.		    
95765404 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * ComplianceEase State Regulations Test Failed (Lvl 3) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
AMC Management fee paid by Borrower: $145.00
Title Closing Protection Letter (CPL) paid by Borrower: $75.00
Title Service Fee paid by Borrower: $40.00		    
95765404 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Loan failed Compliance TILA Finance Charge Test due to Finance charge disclosed on Final CD as $176,869.58. Calculated Finance Charge $177,054.58 for an under disclosed amount of $185.00. Subject loan is a refinance, originated on xx/xx/2019 and the SOL is 3 years.    
95765404 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed Compliance TILA Foreclosure Rescission Finance Charge Test due to Finance charge disclosed on Final CD as $176,869.58. Calculated Finance Charge $177,054.58 for an under disclosed amount of $185.00. Subject loan is a refinance, originated on xx/xx/2019 and the SOL is 3 years.    
95765404 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed ComplinceEase TRID tolerance test due to Initial LE dated xx/xx/2019 does not reflect Title Service Fee. However Revised CD dated xx/xx/2019 reflects addition of Title Service Fee at $40.00. This is fee increase of $40.00 for 10% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents.    
95765404 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $1,917.78 and the loan was underwritten by AUS/DU (locatro#xx) and its recommendation is “Approve/Eligible” with xx%.    
88174186 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges That Cannot Increase test due to fee addition in Final CD dated xx/xx/2020. Initial LE dated xx/xx/2020 does not reflect Intangible Tax. Final CD dated xx/xx/2020 Intangible Tax at $324.79. Valid COC for addition In fees is missing from the loan documents.

TRID Violation in Charges That Cannot Increase test due to fee addition in Final CD dated xx/xx/2020. Initial LE dated xx/xx/2020 does not reflect State Tax/Stamps. Final CD dated xx/xx/2020 State Tax/Stamps at State Tax/Stamps. Valid COC for addition In fees is missing from the loan documents.		    
88174186 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. The finance charge is $52,967.47. The disclosed finance charge of $52,331.32 is not considered accurate because it is understated by more than $100. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.    
88174186 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home Loan Toolkit Disclosure is missing from loan documents.    
88174186 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject was approved at xx%. Seller tape shows borrower was not empoyed at the time of closing. Further details not provided. Unable to rely on documents in file and unable to calculate ATR.    
14843752 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject was approved atxx%. Seller defect shows undisclosed debt at closing. Further details not provided. Unable to rely on documents in file and unable to calculate ATR.    
14843752 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock agreement is missing from loan file.    
13404843 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
13404843 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects following issue. Uninsured FHA/VA Loan.    
13404843 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2020 does not reflects Transfer Taxes. However, Final CD dated xx/xx/2020 reflects the Transfer Taxes at $224.00. This is an increase of $224.00 for charges that cannot increase 0% tolerance test. Valid COC for the addition of Transfer Taxes is missing from loan documents.    
13404843 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account Disclosure is not signed by borrower.    
13404843 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2020 does not reflects Transfer Taxes. However, Final CD dated xx/xx/2020 reflects the Transfer Taxes at $224.00. This is an increase of $224.00 for charges that cannot increase 0% tolerance test. Valid COC for the addition of Transfer Taxes is missing from loan documents.    
13404843 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to Proceed is missing from the loan documents.    
8027332 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects following issue "  Uninsured FHA Loan" to validate the issue valid document is missing from loan document.    
8027332 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing in loan file.    
8027332 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS is missing from Loan Document.    
8027332 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account disclosure Statement incompleted located as xx    
709389 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $3,907.63 per Underwriting Terms and Conditions Document, per AUS/DU's  recommendation is “Approve/Eligible” with DTI of xx%.    
709389 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Final CD reflects closing date as xx/xx/2019.  Notary signature date on the Mortgage/Deed of Trust is xx/xx/2019.  Note date is xx/xx/2019.    
709389 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
709389 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan has failed Charges That Cannot Increase Test, because Initial LE dated xx/xx/2019 shows Mortgage Broker Fee at $0.00 and Appraisal Management Fee at $175.00; however,the Final CD dated xx/xx/2019 shows Mortgage Broker Fee at $10,997.14 and Appraisal Management Fee at $185.00. This is a fee increase of $11,007.14 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
709389 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller tape data, this is Uninsured FHA Loan.    
709389 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE result is Moderate as this loan has failed Charges That Cannot Increase Test.    
55992722 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard Insurance is missing from the loan file.    
55992722 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer disclosure is missing from the loan file.    
55992722 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) This is VA loan and required MI cert is missing from the loan file.    
55992722 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(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 §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($1,139.00) exceed the comparable charges ($1,005.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% 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 §1026.19(e)(1)(i) by more than 10 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 §1026.19(e)(1)(vi).


Charges That In Total Cannot Increase More Than 10% Test is fail. Loan data is $1,139.00 and comparison data is $1,105.50. Hence, the variance is +$33.50.		    
55992722 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects that Uninsured FHA/VA Loan. However, no such issue has been verified from the loan file.    
55992722 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))
The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($1,153.92) does not exceed or equal the comparable sum of specific and non-specific lender credits ($1,302.00). 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 §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i).

Lender Credits That Cannot Decrease Test: is fail. Loan data is $148.08 and comparison data is $0.00. Hence, the variance is  +$148.08.		    
55992722 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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.		    
3246836 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Final CD reflects closing date as xx/xx/2019.  Borrower(s) signature date on the Mortgage/Deed of Trust is xx/xx/2019.  Note date is xx/xx/2019.    
3246836 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Compliance Ease delivery and timing test for Initial Closing Disclosure dated xx/xx/2019. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2019.    
3246836 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) Loan failed the Higher-Priced Mortgage Loan Test due to APR Charged 5.402% APR Threshold 5.240% Over by +0.162%.    
3246836 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Nevada $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects following issue. Un-inured FHA/VA Loan. VA guaranty certificate is missing from loan file.    
3246836 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2019 does not reflects Points - Loan Discount Fee. However, Revised Post Consummation CD dated xx/xx/2019 reflects the Points - Loan Discount Fee at $5,985.97. This is an increase of $5,985.97 for charges that cannot increase 0% tolerance test. Valid COC for the addition of Loan Origination Fee is missing from loan documents.    
27791756 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Loan failed Compliance Ease delivery and timing test for Closing Disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is after the Consummation date xx/xx/2020. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.    
27791756 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
27791756 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per Seller Tape this is  Uninsured FHA/VA Loan.    
27791756 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Acct disclosure is not signed by borrower.    
27791756 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) VA Guarantee Certificate is missing from the loan file.    
27791756 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to Proceed is missing from the Loan Documents.    
27791756 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date xx/xx/2020 is more than 60 calendar days after the consummation date xx/xx/2020.

This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date xx/xx/2020 is more than 60 calendar days after the consummation date xx/xx/2020.		    
18901632 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects following issue "Uninsured FHA/VA Loan".    
18901632 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails Compliance Ease delivery and timing test for Closing Disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is not before 3 business days of  the Consummation date xx/xx/2020.    
18901632 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing in the loan documents.    
18901632 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Qualified Mortgage DTI exceeds xx% (Lvl 3) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $993.20 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%    
18901632 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) The Loan Type if FHA but MI certificate is missing in the loan documents.    
64506599 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
64506599 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller tape, the loan is uninsured FHA/VA loan.    
64506599 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account Disclosure is not signed by the borrower.    
64506599 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot decrease test Due to Final Closing Disclosure delivery date xx/xx/2020 is same as Consummation date xx/xx/2020.Valid COC for the decrease in NSLC is missing from the loan documents.    
64506599 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the Final Closing Disclosure delivery date xx/xx/2020 is same as Consummation date xx/xx/2020. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.    
64506599 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock agreement is missing from the loan documents.    
59342561 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA APR Test:  Loan Data 3.565% Comparison Data 3.761% Variance -0.196% Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.


This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 3.761%. The disclosed APR of 3.565% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.		    
59342561 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $79,093.21. Calculated Finance Charge $86,448.14 for an under disclosed amount of $7,354.93 Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.    
59342561 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) This is FHA loan. Hence MI Cert is required which is missing from the loan file.    
59342561 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to decrease in Lender Credit on Final Closing Disclosure dated xx/xx/2020. Initial CD dated xx/xx/2020 reflects Lender Credit at $550.00, however, Final CD dated xx/xx/2020 reflects Lender Credit at $543.31. This is decrease of $6.85 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan files.    
59342561 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller tape data, this is uninsured FHA/VA loan.    
13135180 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test is fail. Loan data is $195,389.14 and comparison data is $196,144.19. Hence, the variance is -$755.05. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.


TILA Foreclosure Rescission Finance Charge Test is fail. Loan data is $195,389.14 and comparison data is $196,144.19. Hence, the variance is -$755.05. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.		    
13135180 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per Seller tape, loan is Uninsured FHA/VA Loan.    
13135180 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2020. Initial CD dated xx/xx/2020 reflects Lender Credit at $2900.80, however, CD dated xx/xx/2020 reflects Lender Credit at $1821.17. This is decrease of $725.27 for fee which has 0% tolerance test.    
13135180 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit disclosure is missing from the loan file.    
13135180 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) This is VA loan and required MI cert is missing from the loan file.    
97110282 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
97110282 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Sellers tape reflects the following issue, Uninsured FHA/VA Loan.    
97110282 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file. However, available rate lock agreement is not covering loan amount available at xx.    
36849920 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller tape reflects, this is Uninsured FHA/VA Loan    
36849920 xx xx xx 411fa7d7-c445-4fa7-9dc2-654417d64e3c 561 561-3210 xx QM-TRID QC Complete Washington $xx Valuation Property Active 2: Acceptable with Warnings * Property is Mobile Home (Lvl 2) Mobile Home Affixed.
As per updated title report dated xx/xx/2021, the property type is mobile home. Affixture affidavit (located: xx) document recorded on xx/xx/2002 under Inst#xx states that property is affixed to permanent foundation (VIN#xx). However, VIN#/ MH information is missing in the legal of subject mortgage.		    
36849920 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Copy of borrower signed rate lock agreement is missing from loan documents. However, loan amount is not matches with available rate lock agreement is located at xx.    
36849920 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure is not signed by borrower.    
84330537 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
84330537 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflect following issue: "Uninsured FHA/VA Loan"    
84330537 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage Insurance certificate is missing from the loan documents.    
79771418 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
79771418 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Revised LE dated xx/xx/2020 reflect Loan Origination Fee at $xx. Final CD dated xx/xx/2020 reflects the addition of Loan Origination Fee at $xx. This is an increase of $27.51 for charges that cannot increase 0% test. However,COC for the addition of Loan Origination Fee is missing from the loan documents.    
79771418 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Acct disclosure is not signed by borrower.    
79771418 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Lender use exterior only inspection residential appraisal report in the loan file located at xx.However seller tape required full appraisal report.    
51731273 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $4,707.28 and the loan was underwritten by AUS/DU (xx) and its recommendation is “Approve/Eligible” with xx%.    
51731273 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller provided tape data, 'DTI Exceeded Limits- in Forbearance until xx/xx/2021'. This loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $4,707.28 and the loan was underwritten by AUS/DU (xx) and its recommendation is “Approve/Eligible” with xx%.    
51731273 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit disclosure is missing from the loan file.    
98241848 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM_TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan has a qualified mortgage DTI of xx%,the borrower co-borrower and co-applicant Income is $xx  and the total expenses are in the amount of $4,832.12 The loan was underwritten by AUS/DU(xx) and Its recommendation is "Approve/Eligible" with a DTI of xx%.    
98241848 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM_TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase test. Initial LE dated  xx/xx/2020 does not reflects Transfer Taxes. However, Final CD dated xx/xx/2020 reflects Transfer Taxes at $625.00. This is an increase of $625.00 for charges that cannot increase.    
98241848 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM_TRID QC Complete North Carolina $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI Certificate is missing in the loan documents.    
98241848 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM_TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing in the loan documents.    
98241848 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM_TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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.		    
98241848 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM_TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape Reflects an issue where the Loan Transaction is FHA with a Flip within 90 days, Due to which FHA will not insure this type of transactions.    
23991269 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM_TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the TRID construction term and interest validation test due to not provide one or more of the following information The construction period interest rate, or
The construction term, or The construction period interest reserve.		    
23991269 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM_TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor Threshold test APR Calculated 6.681% APR Threshold 5.810% Over By +0.871%.

Loan failed the TILA APR Test due to APR Charged 6.241% APR Threshold 6.681% Over by +0.440%. Subject loan is a refinance, originated on xx/xx/2019 and the SOL is 3 years.

This loan failed the NC rate spread home loan test.Due to The loan is a rate spread home loan, as defined in the legislation.		    
23991269 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM_TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Compliance Ease Higher priced mortgage loan test. APR Calculated 6.681% APR Threshold 5.810% Over By +0.871%. Missing Higher Priced Mortgage Loan Disclosure signed by Borrower.    
23991269 xx xx xx ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 561 561-3210 xx QM_TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * LE/CD Issue date test Fail (Lvl 3) This loan failed the revised closing disclosure delivery date test the revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days.    
23991269 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM_TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Right of Rescission missing or unexecuted (Lvl 3) Right of Rescission is missing from loan documents.    
23991269 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM_TRID QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
23991269 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM_TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $85,244.29. Calculated Finance Charge is  $96,401.81.Loan fails TILA Finance Charge Test for an under disclosed amount of $11,157.52.Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a refinance, originated on xx/xx/2019 and the SOL is 3 years.    
23991269 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM_TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock provided expired on xx/xx/2018 and the loan closed on xx/xx/2019. No lock extension found.    
23991269 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM_TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects following issues, "OTC loan with expired docs".    
93069586 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from the loan file.    
93069586 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Illinois $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) The Appraisal report at the time of origination is missing from the loan file.    
93069586 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure document is missing from the loan file.    
93069586 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Illinois $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
93069586 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."    
93069586 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 14.077%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
The loan data is 0.000% and comparison data is 14.077%; hence, the variance is -14.077%.		    
93069586 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
93069586 xx xx xx dc65f921-a211-4e42-a653-6cc4e06cdcd3 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Compliance Active 4: Unacceptable * ComplianceEase HOEPA Test Failed (Lvl 4) The CE risk indicator is Critical as the loan is failing HOEPA High Cost Mortgage Points and Fees Threshold Test. Total fees charged is $3,178.02 and allowed $2,669.32, however it is over charged by $508.70.
Fees Included-
Loan Origination Fee $1,064.40
Credit Life Insurance Premium $1,926.62
Settlement / Closing / Escrow Fee $187.00		    
93069586 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in Illinois State. The following required state disclosures are missing from the loan file. 1. IL Collateral Protection Insurance Notice 2. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application    
93069586 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Disclosure is missing from the loan file.    
93069586 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Illinois $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file.    
41327437 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application is missing from the loan file.    
41327437 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
41327437 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.    
41327437 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
41327437 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: Result: FAIL; Loan Data:  $113,253.52 ; Comparison Data: $117,273.32; Variance: -$4,019.80.

This loan failed the TILA finance charge test.
The finance charge is $117,273.32. The disclosed finance charge of $113,253.52 is not considered accurate because it is
understated by more than $100.		    
75095242 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is "Moderate" due to:
TILA Finance Charge Test: FAIL $1,038,545.28 $1,038,667.26 -$121.98
TILA Foreclosure Rescission Finance Charge Test: FAIL $1,038,545.28 $1,038,667.26 -$121.98		    
75095242 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Virginia $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
75095242 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file.    
75095242 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL $1,038,545.28 $1,038,667.26 -$121.98
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) )
The finance charge is $1,038,667.26. The disclosed finance charge of $1,038,545.28 is not considered accurate because it is understated by more than $100.
TILA Foreclosure Rescission Finance Charge Test: FAIL $1,038,545.28 $1,038,667.26 -$121.98
This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR
§226.23(h) )
The finance charge is $1,038,667.26. The disclosed finance charge of $1,038,545.28 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
75095242 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 3: Curable * Missing credit report (Lvl 3) Credit report is missing from loan file    
85273293 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Alabama $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The Final 1003 (Application) is missing from the loan file.    
85273293 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from loan files.    
85273293 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from loan files.    
85273293 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Alabama $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal at the origination is missing from the loan file.    
85273293 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. And estimated HUD-1/Fee itemization/GFE is also not available in the loan file.    
85273293 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from loan files.    
85273293 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Alabama $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
74372579 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan files.    
74372579 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
74372579 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan files.    
74372579 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Michigan $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan files.    
74372579 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Michigan $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
74372579 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
74372579 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
74372579 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Michigan $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal is missing from the loan files.    
74372579 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with Estimated HUD-1 and Itemization are missing from the loan files.    
74372579 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in Michigan State. The following required state disclosures are missing from the loan file.
1. MI Borrower's Bill of Rights
2. MI Consumer Caution and Homeownership Counseling Notice
3. Choice of Insurance Agent		    
74372579 xx xx xx 0270b5a0-6846-4580-a03f-12f44a18d0d3 561 561-3210 xx Non-QM QC Complete Michigan $xx Credit Doc Issue Active 4: Unacceptable * Note is missing or unexecuted (Lvl 4) Note is missing from the loan files. The loan has not been modified.    
66829684 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
66829684 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
66829684 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
66829684 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $109,726.86. The disclosed finance charge of $109,688.05 is not considered accurate for purposes of rescission because it is understated by more than $35.
The loan data is $109,688.05 and comparison data is $109,726.86; hence, the variance is -$38.81.		    
66829684 xx xx xx 613834f7-95c5-41c1-9d96-b0fe90fa7b84 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State/Local Predatory Test Failed (Lvl 2) The CE risk indicator is Significant as the loan is failing for NC Rate Spread Home Loan Test. It exceeds NC RSHL Modified HMDA APR Threshold and NC RSHL Conventional Mortgage Rate APR Threshold.
1) NC RSHL Modified HMDA APR Threshold test: -   Loan data 12.00% Comparison data 7.560% Variance 4.440%.
2) NC RSHL Conventional Mortgage Rate APR Threshold test: - Loan data 12.002% Comparison data 8.170% Variance 3.832%.
This loan failed the DTI provided test.
This loan failed the documentation type test.		    
60104414 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
60104414 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file.    
60104414 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non-QM QC Complete North Carolina $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Mobile Home affixed.
As per appraisal report, the property type is manufactured home. Appraisal report states that property is attached to a permanent foundation system. As per the document located at xx, the MH (VIN#xx) property is affixed on permanent foundation and converted into real estate. However, VIN#/MH information is missing in legal of subject mortgage.		    
37898225 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
37898225 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
37898225 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1is missing from the loan file.    
37898225 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
37898225 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
37898225 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
37898225 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) The loan is conventional and LTV exceeds xx%. Hence, the MI certificate is required and which is missing from the loan file.    
37898225 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 (Application) is missing from the loan file.    
37898225 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete North Carolina $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal at the origination is missing from the loan file.    
67236440 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Kansas $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right of Rescission document is missing from the loan file.    
67236440 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Kansas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Disclosure is missing from the loan file.    
67236440 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Kansas $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business form Disclosure is missing from the loan file.    
67236440 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Kansas $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final Hud-1 is available in the loan file at location “xx”, however some of the points and fees of  the HUD-1 are handwritten.    
67236440 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Kansas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The final Application is missing from the loan file.    
67236440 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Kansas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
82061597 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from given loan file.    
82061597 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 along with Estimated HUD-1, Fee itemization and closing instructions are also missing from the loan file.    
82061597 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Texas $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
82061597 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
82061597 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
82061597 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan file.    
82061597 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
8674937 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
8674937 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance risk indicator is moderate.    
8674937 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Indiana $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) 1003 is missing from the loan file.    
8674937 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test.    
8674937 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Indiana $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit reports are missing from the given loan file.    
29344793 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
29344793 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Illinois $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit reports are missing from the given loan file.    
76782852 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA right of rescission test.    
76782852 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Colorado $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan files.    
76782852 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. Closed-end  The funding date is before the third business day following consummation.  TILA Right of Rescission Test: FAIL    
76782852 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Colorado $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
76782852 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
76782852 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Colorado $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit reports are missing from the given loan file.    
76782852 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in Colorado State. The following required state disclosures are missing from the loan file. 1. Cash-Out Refinance Disclosure 2. Property Insurance Disclosure 3. Colorado Notice to Cosigner 4. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application    
68940808 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
68940808 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Alabama $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application is missing from the loan file.    
68940808 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Alabama $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit reports are missing from the given loan file.    
68940808 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
68940808 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Alabama $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
68940808 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan file.    
68940808 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
68940808 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with Estimated HUD-1 and Itemization is missing from the loan files.    
68306455 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with Estimated HUD-1 and Itemization are missing from the loan files.    
68306455 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
68306455 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The property is located in state of Texas. The following required State Disclosures are missing in the loan file.
1. TX Loan Agreement Notice
2. Commitment Requirement/Anti-Tying
3. TILA Disclosures in Spanish
4. Home Equity Consumer Disclosure
5. Home Equity Loan Interest and Fees Preclosing Disclosure  
6. Home Equity Loan Copies of Documents
7. Home Equity Loan Rescission Notice
8. Fair Market Value of Homestead Property Acknowledgment
9. Home Equity Loan Notice of Address for Borrower Notification of Violation
10. Choice of Insurance Notice
11. Collateral Protection Insurance Disclosure
12. Non-Deposit Investment Product Disclosure Are there any promotional materials?
13. Insurance Solicitation/Post Commitment Requirement
14. Construction Loan Disclosure		    
68306455 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
68306455 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
68306455 xx xx xx 57ebb2cd-7596-4166-9bd9-6f932a9e2595 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is missing from the loan files. The APR from Final TIL is 0.00% which is less than the original rate.    
68306455 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan files.    
68306455 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan files.    
68306455 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Texas $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal is missing from the loan files.    
68306455 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
15637157 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Alabama $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
15637157 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
15637157 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer disclosure is missing from the loan file.    
15637157 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Alabama $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
15637157 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.
Christia		    
15637157 xx xx xx dc65f921-a211-4e42-a653-6cc4e06cdcd3 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Compliance Active 4: Unacceptable * ComplianceEase HOEPA Test Failed (Lvl 4) The CE risk indicator is Critical as the loan is failing HOEPA High Cost Mortgage Points and Fees Threshold Test. Total fees charged is $8,172.80 and allowed $3,866.29, however it is over charged by $4,306.51.
Fees Included-
Credit Life Insurance Premium $3,378.49
Health Insurance Premium $2,527.23
Loss of Income Insurance Premium $2,267.08		    
15637157 xx xx xx ee6c91e5-becd-48c9-978b-cefd6805f558 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Sec 32 Disclosure not in file  (Lvl 2) This is hight cost loan. However, the section 32 disclosure is missing from the loan file.    
35984579 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The Final 1003 (Application) is missing from the loan file.    
35984579 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Texas $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal at the origination is missing from the loan file.    
35984579 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
54014388 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM_TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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.		    
54014388 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM_TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan fails “TILA Finance Charge Test”. Finance charge disclosed on Final CD is $111,609.43. Calculated Finance Charge is $111,734.43. The test fails for an under disclosed amount of $125.00.  Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.    
54014388 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM_TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The loan has a qualified mortgage  DTI of xx%,the borrowers  Income was $xx and the total expenses are in the amount of $1,645.75 The loan was underwritten by AUS/DU(xx) and Its recommendation is "Approve/Eligible" with a DTI of xx%.    
54014388 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM_TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in “Charges That Cannot Increase More Than 10% Test” Comparable fee amount for Charges that cannot increase more than 10% in Initial Loan Estimate is $120.00 and on Final Closing Disclosure Fee amount is $195.00. Fee amount exceeds by $63.00.    
54014388 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM_TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows the issue that the loan was Approved using OIW 275K with the LTV of xx%. Unknowingly PIW was lost when an Appraisal was ordered with a returned value of xx with the LTV of x% .    
12869328 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM_TRID QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Seller tape shows problem relying on declining SE income. No further details provided. Unable to rely on docs in file and unable to calc ATR.    
12869328 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM_TRID QC Complete Washington $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Note Document dated xx/xx/2021. However, Final Closing Disclosure was Signed on xx/xx/2021.    
69719570 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM_TRID QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan has failed Non-Numeric Clerical Error and Post-Consummation Revised Closing Disclosure Delivery Date Test. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.


Final CD was disclosed on xx/xx/2021 and PCCD was disclosed 60 days after on xx/xx/2021. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.		    
69719570 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM_TRID QC Complete Washington $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Final CD reflects closing date as xx/xx/2021.  Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2021.  Note date is xx/xx/2021.    
69719570 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM_TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE result is |Moderate as this loan has failed Charges That Cannot Increase and Non-Numeric Clerical Error and Post-Consummation Revised Closing Disclosure Delivery Date Test.    
69719570 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM_TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Initial LE dated xx/xx/2021. Initial LE dated xx/xx/2021 reflects Points - Loan Discount Fee at $6,713.00 and Appraisal Fee at $0.00. However, Revised CD dated xx/xx/2017 reflects Points - Loan Discount Fee at $6,755.46 and Appraisal Fee at $900.00. This is fee increase of $942.46 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents.    
69719570 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM_TRID QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller defect shows income calculation is incorrect. Missing docs, and DTI may be over xx%. Unable to rely on documents in file and unable to calculate ATR.    
85771107 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,335.48 and the loan was underwritten by DU (Locator  xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
85771107 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved/eligible at xx%. Seller defect shows income miscalculated and DU invalid at closing. Unable to rely on Documents in file & unable to calculate ATR.    
85771107 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial closing disclosure is missing from the loan file.    
85771107 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing in the loan documents.    
85771107 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase Trid Tolerance Test is incomplete due to Initial CD is missing from the loan documents.    
62136255 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Mississippi $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing in the loan documents.    
62136255 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Mississippi $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that increase more than 10% test. Initial Loan estimate dated xx/xx/2020 does not reflects Recording Fee . However, Final CD dated xx/xx/2020 reflects Recording Fee at $38.00.This is a fee increase of $38.00 for charges that cannot increase more than 10%.    
62136255 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Mississippi $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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.		    
7215442 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Seller tape showed there was some income discrepancy. Details not provided. Unable to rely on docs and unable to calculate ATR.    
2238135 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Oregon $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows  PIW Eligibility Lost; Unable to obtain valid LP findings due to spelling of borrower's last name changed.    
2238135 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Oregon $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Transmittal Summary(1008) reflects No appraisal. However, Property Inspection Waiver is missing from the Loan Documents.    
55930311 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from Loan Document.    
55930311 xx xx xx bdc1a061-fdf8-4af4-a254-331f2bd8a354 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Late_Charge (Lvl 3) This loan failed the FHA late charge test due to the loan charges a late fee that exceeds 4%. The mortgage may provide for the collection by the mortgagee of a late charge, not to exceed 4% of the amount of each payment more than 15 days in arrears, to cover servicing and other costs attributable to the receipt of payments from mortgagors after the date upon which payment is due.    
55930311 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) This is FHA loan. However, MI certificate is missing from Loan document.    
55930311 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 4: Unacceptable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) Tape shows defect as repairs not completed. Subject originated xx/xx/19, 1004D missing from file. Unable to determine cost of repairs required for completion (exposed wood trim, water heater incomplete). Elevated for client review as assuming this was the reason for repurchase.    
55930311 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,643.98  and the loan was underwritten by AUS/DU(locator#xx) and its recommendation is “Approve/Eligible” with a DTI of xx%    
55930311 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed the Qualified Mortgage Safe Harbor Threshold due to APR Charged 5.388% APR Threshold 5.090%. Over by +0.298%. Subject Property is escrowed.    
55930311 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher Priced Mortgage Test due to APR Charged 5.388% APR Threshold 5.090% Over By 0.298%. HPML disclosure signed by the borrower is missing from the loan documents.    
93092557 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home has been affixed to the permanent foundation.
According to the appraisal report located at “xx”, the type of subject property is a manufactured home.
The ALTA 7 Endorsement is attached with the final title policy located at “xx”.
The manufactured home affidavit of affixation is located at “xx”, shows that the Manufacture Home with serial number 16768/B with model# xx and the subject property has been permanently affixed to a foundation.		    
93092557 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan fails “Qualified Mortgage Safe Harbor Threshold test” APR Calculated is 5.676%. APR Threshold is 4.460%. Over by +1.216%.    
93092557 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) as per Seller tape Flood Insurance Document is missing from the Loan Documents.    
93092557 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan fails “ComplianceEase Higher priced mortgage loan test”. APR Calculated is 5.676%. APR Threshold is 4.460%. Over by +1.216%. Missing Higher Priced Mortgage Loan Disclosure signed by Borrower.    
93092557 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) A Rate Lock Agreement signed by the Borrower is Missing from the Loan Documents.    
92502748 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard Insurance is missing from the loan documents.    
92502748 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal Summary (1008) is missing from the loan documents.    
92502748 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Sellers tape reflects the following issue, DU Approve/Ineligible due to cash out on 3 unit exceeds LTV of xx%.    
79662174 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Loan amount on the note and Transmittal summary (1008) does not match. Valid 1008 is missing from the loan file.    
79662174 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Tape shows seller defect that rental income/loss miscalculated. AUS in file shows approve/ineligible at xx%. Unable to rely on documents, unable to calculate ATR.    
79662174 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2020 reflect Transfer Taxes at $4,000.00. Final CD dated xx/xx/2021 reflects the increasing of Transfer Taxes Fee at $5,312.50. (Transfer Taxes of $4,000.00 paid by buyer and $1,312.50 paid by Lender). This is an increase of $1,312.50 for charges that cannot increase 0% test. However, COC for the increasing of Transfer Taxes is missing from the loan documents.    
58262756 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,652.95 and the loan was underwritten by AUS xx and its recommendation is “Approve/Eligible” with a DTI of xx%    
58262756 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Final CD reflects closing date as xx/xx/2021.  Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2021.  Note date is xx/xx/2021.    
58262756 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan documents.    
58262756 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $7,097.93 Fees threshold $6,338.18 Over By +$759.75
The below fees were included in the test:
Mortgage Broker Fee (Indirect) $5,874.00 paid by Lender
Points - Loan Discount Fee paid by Borrower: $1,233.93		    
58262756 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE QM Points and Fees Test due to Fees charged $7,097.93 Fees threshold $6,338.18 Over By +$759.75. The below fees were included in the test:
Mortgage Broker Fee (Indirect) $5,874.00 paid by Lender
Points - Loan Discount Fee paid by Borrower: $1,233.93		    
58262756 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete California $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as OO but seller defect shows may be NOO. Seller was unable to determine which property BWR actually lived at. Elevated for client review.    
58034058 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Copy of rate lock agreement is missing from loan documents. However, loan amount is not matching of available rate lock agreement. (locator# xx)    
58034058 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue: VA Assumption approval and Substitution Entitlement required prior to closing. However, supporting documents to validate the issue is missing from the loan documents.    
96303091 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) - Loan failed TRID tolerance test charges that cannot increase 0% and charges that in total cannot increase more than 10% test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2021 which is digitally received on xx/xx/2021 which is more than 3 business days from initial application date xx/xx/2021.

- This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date xx/xx/2021 is more than 60 calendar days after the consummation date xx/xx/2019.		    
96303091 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) - Loan Fails Prohibited Fees First Lien Test fees charged $450.00. The below fees were included in the test:
Attorney's Fee (Closing Agent Only) paid by Borrower: $450.00.		    
96303091 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows VA Cash out refinance veteran not entitlement available due to prior foreclosure/DIL.    
96303091 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. The finance charge is $54,132.64. The disclosed finance charge of $51,108.35 is not considered accurate because it is understated by more than $100. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.


This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $54,132.64. The disclosed finance charge of $51,108.35 is not considered accurate for purposes of rescission because it is understated by more than $35. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.		    
96303091 xx xx xx c56299d8-a56d-4ee2-ba5d-9e8408623724 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase RESPA Test Failed (Lvl 3) - Loan failed the homeownership counseling organizations disclosure date test. . Loan originator received application on xx/xx/2021, however Homeownership Document Date is xx/xx/2021 which is more than 3 Business days from xx/xx/2021.    
96303091 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) - Loan failed the Written List of Service Providers Disclosure date test. . Loan originator received application on xx/xx/2021, however Written List of Service Providers Disclosure Date is xx/xx/2021 which is more than 3 Business days from xx/xx/2021.    
96303091 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) VA Guarantee Certificate is missing from the loan documents.    
96303091 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
64965867 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM Points and Fees Test due to QM points and fees charges $9,528.36, threshold is $9,446.81 over by +$81.55.

Loan fails Qualified Mortgage Lending Policy Points and Fees Test due to QM points and fees charges $9,528.36, threshold is $9,446.81 over by +$81.55.		    
64965867 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock agreement document is missing from loan file. However, available rate lock agreement is expiring before closing (Loacator#xx).    
64965867 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,578.75 and the loan was underwritten by AUS/DU (Locator#xx) and its recommendation is “Approve/Ineligible” with a DTI of xx%    
91577037 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2020 does not reflect Appraisal Re-Inspection Fee. Final CD dated xx/xx/2020 reflects the addition of Appraisal Re-Inspection Fee at $175.00. This is a fee increase of $175.00 for charges that cannot increase 0% test. COC for the addition of Appraisal Re-Inspection Fee is missing from the loan documents.    
91577037 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
91577037 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) The property type is Commercial. Appraisal is located at xx. Tape shows defect that subject is a condo hotel.    
91577037 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
37776813 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
37776813 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a revised qualified mortgage DTI of xx%, the Borrowers income was $xx and total expenses are in the amount of $9,869.27 and the loan was underwritten by AUS/DU (Locator#xx) and its original recommendation is “Approve/Ineligible” with a DTI of xx%.    
96281212 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2020 does not reflect Transfer Taxes Fee. Final CD dated xx/xx/2020 reflects the addition of Transfer Taxes Fee at $1,492.00.(Transfer Taxes of $1,492.00 paid by seller).This is an increase of $1,492.00 for charges that cannot increase 0% test.However, COC for the addition of Transfer Taxes is missing from the loan documents.    
96281212 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Per tape, Homebuyer's Education certificate is required for purchase transaction. However, this document is missing from the loan file.    
96281212 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock agreement is missing from the loan documents.    
48108568 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) As per 1008 Property inspection report is required. However, PIW is missing from loan documents.    
48108568 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects, LOST PIW -Traditional appraisal received after note date. Traditional appraisal dated xx/xx/2021 is available in loan file which is after closing (Locator#xx)    
48108568 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) "Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX%, the Borrower income was $xx and total expenses are in the amount of $2,682.17 and the loan was underwritten by AUS/DU (Locator#xx) and its revised recommendation is “Approve/Ineligible” with a DTI of xx%".    
21581727 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Market Condition Addendum (1004MC) is missing from appraisal from loan documents.    
21581727 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock agreement is missing from the Loan Documents.    
21581727 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,409.85 and the loan was underwritten by AUS/DU (Locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%    
21581727 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 4: Unacceptable * Loan does not conform to program guidelines (Lvl 4) Co-borrower's SSN Number captured wrongly at the time of Closing. SSA Document reflects (xx) Co-borrower's SSN Number XXX-XX-9754.However Final 1003 reflects (xx) XXX-XX -9752.    
97552330 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock agreement document is missing from loan file.    
97552330 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $1,990.36 and the loan was underwritten by LP (Locator# xx) and its recommendation is “Caution” with a DTI of xx%.    
49172393 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 1: Acceptable * Settlement date is different from note date (Lvl 1) Final CD reflects closing date as xx/xx/2021. Borrower(s) signature date on the Mortgage/Deed of Trust is xx/xx/2021. Note date is  xx/xx/021.    
49172393 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) qualified mortgage DTI of xx% the Borrower income was $xx  and total expenses are in the amount of $2,815.02 and the loan was underwritten by AUS/DU(xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
49172393 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Initial Closing Disclosure Delivery Date Loan Fails CompalianceEase Delivery and timing test for Initial closing disclosure dated xx/xx/2021 receipt date xx/xx/2021 which is less than 3 business days from the consummation.    
49172393 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal is missing from the loan documents.    
49172393 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
49172393 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete California $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as OO but seller defect shows may be NOO. Seller was unable to determine which property BWR actually lived at. Elevated for client review.    
76197009 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Missouri $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
76197009 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx Non-QM QC Complete Missouri $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) ComplianceEase state regulations test failed as this loan failed the points and fees test. The points and fees charged to the borrower exceed the greater of 5% of the mortgage amount or $1,000.    
76197009 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non-QM QC Complete Missouri $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
76197009 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Missouri $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is "Moderate" as ComplianceEase state regulations test failed as this loan failed the points and fees test. The points and fees charged to the borrower exceed the greater of 5% of the mortgage amount or $1,000.    
85639478 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Oklahoma $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An Appraisal report at origination is missing from the loan file.    
85639478 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Oklahoma $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
85639478 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Oklahoma $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
85639478 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Oklahoma $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
85639478 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Oklahoma $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer disclosure is missing from the loan file.    
85639478 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Oklahoma $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
85639478 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Oklahoma $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 along with preliminary HUD-1, Fee itemization and closing instructions are also missing from the loan file.    
50286853 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
50286853 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Alabama $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
50286853 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Alabama $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
50286853 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Alabama $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An Appraisal report at origination is missing from the loan file.    
50286853 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
50286853 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer Disclosure is missing from the loan file.    
50286853 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 along with preliminary HUD-1, Fee itemization and closing instructions are also missing from the loan file.    
89304564 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form disclosure is missing from the loan file.    
25024560 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Louisiana $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan file.    
25024560 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Louisiana $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
25024560 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Louisiana $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) 1003 is missing from the loan file.    
25024560 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Louisiana $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
25024560 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Louisiana $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
25024560 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non-QM QC Complete Louisiana $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
25024560 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Louisiana $xx Credit Doc Issue Active 3: Curable * Missing credit report (Lvl 3) credit report is missing from the loan file.    
27365679 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
27365679 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
27365679 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
27365679 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Disclosure is missing from the loan file.    
27365679 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
27365679 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
27365679 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Texas $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Property Appraisal Report is missing from the loan file.    
27365679 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1, Estimated HUD-1 and Fee Itemization are missing from the loan file.    
86185046 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
86185046 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Virginia $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An Appraisal report at origination is missing from the loan file.    
86185046 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
86185046 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
86185046 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer disclosure is missing from the loan file.    
86185046 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan    
86185046 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 along with preliminary HUD-1, Fee itemization and closing instructions are also missing from the loan file.    
51773899 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete North Carolina $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
51773899 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The Final application is missing from the loan file.    
51773899 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from loan files.    
51773899 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from loan files.    
51773899 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing from the loan life.    
51773899 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Estimated HUD-1 or itemization of points and fees are also not available in the loan file.    
51773899 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non-QM QC Complete North Carolina $xx Valuation Property Active 4: Unacceptable * Property is Manufactured Housing (Lvl 4) Home is not affixed. The appraisal report is missing from the loan file. Updated title report dated xx/xx/2021 shows that the subject property is manufactured home. The updated title also shows that mobile home affixture is missing from the loan file. Mortgage document located at (xx) does not show VIN#. Final title policy is also missing from the loan file.    
80260605 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approve/eligible at xx%. Income miscalculation may push DTI to over xx%. Unable to rely on docs in file and unable to calc ATR. However Subject Property Occupancy is Investment.    
80260605 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) The Operative Income Statement Document reflects monthly Rent income is in the amount of $xx. However, Debt Service Cover Ratio is -0.20 which is less than 1 and Operative Income Statement Document located at "xx".    
74668916 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in “Charges That Cannot Increase More Than 10% Test”. Comparable fee amount for Charges that cannot increase more than 10% in Initial Loan Estimate is $xx and on Final Closing Disclosure Fee amount is $1,374.27. Fee amount exceeds by $85.07.    
74668916 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) This loan is FHA. The MI Certificate is missing from the loan file.    
74668916 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) Loan failed FHA QM Safe Harbor Test due to APR Charged 5.606%.  APR Threshold 5.804%.   Variance -0.198%.    
74668916 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $4,693.40 and the loan was under written by AUS/DU (xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
74668916 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan fails ComplianceEase Higher priced mortgage loan test. APR Calculated 5.606% APR Threshold  5.360%. Over By +0.246%. Missing Higher Priced Mortgage Loan Disclosure signed by Borrowers.    
74668916 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) A copy of Rate Lock Agreement is missing from the loan documents.    
34176847 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan fails Higher-Priced Mortgage Loan Test due to APR charges 5.826% threshold is 5.300%. Over by +0.526%. Borrower signed HPML disclosure is missing from loan documents. The loan is escrowed.    
34176847 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $3,739.12 and the loan was underwritten by AUS/DU (Locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%    
34176847 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) Loan fails FHA QM Safe Harbor Test due to APR charges 5.826% threshold is 5.794%. Over by +0.032%. The loan is escrowed.  Loan fails Qualified Mortgage Safe Harbor Threshold Test due to APR charges 5.826% threshold is 5.300%. Over by +0.526%. The loan is escrowed.    
34176847 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) The loan is FHA. MI certificate is missing from the loan documents.    
34176847 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan fails charges that cannot increase test; initial LE dated xx/xx/2019 does not reflects Points- Loan Discount Fee. However, Final CD dated xx/xx/2019 reflects Points- Loan Discount fee at $899.33. This is increase of +$899.33. Valid COC is missing from loan documents.  Loan fails Lender credits that cannot decrease test; Initial LE dated xx/xx/2019 reflects Non-Specific Lender Credits at $1,652.00. However, final CD dated xx/xx/2019 reflects Non-Specific Lender Credits at $0.00. This is decrease of $1,652.00. Valid COC is missing from loan documents.    
34176847 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Copy of borrower signed rate lock agreement is missing from loan documents.    
34176847 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails FHA QM Rebuttable Presumption Test due to fees charges $10,555.99 threshold is $10,277.35. Over by +$278.64 Following fees included in this test: Mortgage Broker Fee (Indirect) $9,666.66 (Fee paid by Lender) Points - Loan Discount Fee paid by Borrower: $889.33.   Loan fails Qualified Mortgage Lending Policy Points and Fees Test due to fees charges $10,555.99 threshold is $10,277.35. Over by +$278.64 Following fees included in this test: Mortgage Broker Fee (Indirect) $9,666.66 (Fee paid by Lender) Points - Loan Discount Fee paid by Borrower: $889.33.    
34176847 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM Points and Fees Test due to fees charges $10,555.99 threshold is $10,277.35. Over by +$278.64 Following fees included in this test: Mortgage Broker Fee (Indirect) $9,666.66 (Fee paid by Lender) Points - Loan Discount Fee paid by Borrower: $889.33.    
51243241 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
51243241 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from the loan file    
51243241 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
51243241 xx xx xx c23a2eb9-a8db-4d55-a62b-42585231fc2c 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Date after actual transaction date (Lvl 2) Final TIL date is xx/xx/2006 which is after the actual transaction date of xx/xx/2006.    
51243241 xx xx xx 57ebb2cd-7596-4166-9bd9-6f932a9e2595 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) TIL is not hand dated by the borrower.    
51243241 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
84561496 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report Missing from the loan file    
84561496 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated business disclosure is missing from loan the file.    
84561496 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account disclosure is missing from loan the file.    
84561496 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The Loan Application is missing from loan the file.    
84561496 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $426,894.19. The disclosed finance charge of $425,123.42 is not considered accurate because it is understated by more than $100.		    
84561496 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is "Moderate" as the loan is failed for TILA test.    
84561496 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from loan the file.    
84561496 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
25450782 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report missing from the loan file    
25450782 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Virginia $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
25450782 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) Subject property is located in West Virginia State and following State Disclosures are missing from loan file;
1) WV Collateral Protection Insurance Notice 1
2) Co-Signer Notice
3) Financial Institution Insurance Disclosure
4) Non-Deposit Investment Product Disclosure
5) Financial Institution Insurance Disclosure		    
25450782 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. However, available information on HUD-1 screen and Points and Fees have updated from Estimated HUd-1 which is located on “xx".    
25450782 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
25450782 xx xx xx 40732d41-ff63-42f7-90be-34db1148c008 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) Operative Index Value is unable to be confirmed from supportive documents available in the loan file.    
58224943 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Maryland $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from the loan file    
58224943 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The property is located in MD State; however, required state disclosure is missing from the loan file below, Affidavit of Consideration.    
76795973 xx xx xx 57ebb2cd-7596-4166-9bd9-6f932a9e2595 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) TIL is not hand dated by the borrower.    
76795973 xx xx xx a0d5a3be-496f-41d6-a958-ce4e3ccae8fe 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm.    
76795973 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
76795973 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) The Compliance Ease Risk indicator is "Elevated due to" GSE failed.    
76795973 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from loan file.    
76795973 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program disclosure is missing from loan file.    
76795973 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Maryland $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from the loan file.    
4351053 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Louisiana $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
4351053 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Louisiana $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form disclosure is missing from the loan file.    
4351053 xx xx xx 08f7f0be-f4cf-4d4e-8244-193c7542c212 561 561-3210 xx Non-QM QC Complete Louisiana $xx Compliance Doc Issues Active 3: Curable * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by borrowers.    
4351053 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx Non-QM QC Complete Louisiana $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
4351053 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Louisiana $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from the loan file    
4351053 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Louisiana $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
51479182 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
51479182 xx xx xx a0d5a3be-496f-41d6-a958-ce4e3ccae8fe 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm from the loan file.    
51479182 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Loan application (1003) is missing from the loan file.    
51479182 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from the loan file    
51479182 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
51479182 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
33704627 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business form Disclosure is missing from the loan file.    
33704627 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete New Jersey $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Disclosure is missing from the loan file.    
33704627 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
74217386 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
74217386 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
74217386 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file    
92074143 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx Non-QM QC Complete Washington $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Settlement date is different from note date.    
92074143 xx xx xx 140f46bf-c52f-473f-8d76-08a0744ba53f 561 561-3210 xx Non-QM QC Complete Washington $xx Credit DTI Active 2: Acceptable with Warnings * DTI > 60% (Lvl 2) DTI is greater than xx%.    
43528351 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Oklahoma $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
43528351 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non-QM QC Complete Oklahoma $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) This loan is FHA. However, MI certificate is missing from the loan file.    
43528351 xx xx xx e99b279c-a3fe-4039-91dc-3f33c0f684d9 561 561-3210 xx Non-QM QC Complete Oklahoma $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan file.    
43528351 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Oklahoma $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file    
43528351 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Oklahoma $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer is missing from the loan file.    
43528351 xx xx xx 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c 561 561-3210 xx Non-QM QC Complete Oklahoma $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Good Faith Estimate missing or unexecuted (Lvl 2) GFE is missing from the loan file.    
43528351 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx Non-QM QC Complete Oklahoma $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) Late Charge Test:  Result: FAIL; Loan Data:  5.000% ; Comparison Data: 4.000% ; Variance:+1.000%.

This loan failed the FHA late charge test.
The loan charges a late fee that exceeds 4%. The mortgage may provide for the collection by the mortgagee of a late charge, not
to exceed 4% of the amount of each payment more than 15 days in arrears, to cover servicing and other costs attributable to the
receipt of payments from mortgagors after the date upon which payment is due.		    
43528351 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Oklahoma $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the FHA late charge test.    
61656663 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from the loan file.    
61656663 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
61656663 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program Disclosure is missing from the loan file.    
61656663 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete South Carolina $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
61656663 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
61656663 xx xx xx a0d5a3be-496f-41d6-a958-ce4e3ccae8fe 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Unable to determine an operative index value since the supportive documents are missing from the loan file.    
20522395 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
20522395 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Illinois $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
20522395 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Illinois $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An Appraisal report at origination is missing from the loan file.    
20522395 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) The final truth in lending disclosure is missing from the loan file.    
20522395 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer disclosure is missing from the loan file.    
20522395 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
20522395 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 9.185%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.    
20522395 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 9.185%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.    
47512764 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
47512764 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file    
47512764 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
10807094 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from the loan file.    
10807094 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is "Moderate", due to
TILA APR Test:		    
10807094 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Maryland $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file    
10807094 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account disclosure is missing from the loan file.    
10807094 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in the state MD. However below required state disclosures are missing from the loan file.
1-Affidavit of Consideration
2-Affidavit of Disbursement
3-First Time Buyers Affidavit
4-Balloon Payment
5-Mandatory Binding Arbitration Disclosures		    
10807094 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan is failed for
TILA APR Test:
The loan data is 0.000%, the comparison data is 6.630%, and the variance is -6.630%.		    
10807094 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Doc Issue Active 3: Curable * Final TIL Missing or Not Executed (Lvl 3) Final TIL is missing from the loan file.    
10807094 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Maryland $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final Application is missing from the loan file. However, the income and expenses have been captured from initial application "xx".    
70790807 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in the TX state. The following state disclosures are missing from the loan file:
1. TX Loan Agreement Notice
2. Commitment Requirement/Anti-Tying
3. TILA Disclosures in Spanish
4. Home Equity Consumer Disclosure
5. Home Equity Loan Interest and Fees Preclosing Disclosure  
6. Home Equity Loan Copies of Documents
7. Home Equity Loan Rescission Notice
8. Fair Market Value of Homestead Property Acknowledgment
9. Home Equity Loan Notice of Address for Borrower Notification of Violation
10. Choice of Insurance Notice
11. Collateral Protection Insurance Disclosure
12. Non-Deposit Investment Product Disclosure Are there any promotional materials?
13. Insurance Solicitation/Post Commitment Requirement
14. Construction Loan Disclosure		    
70790807 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
70790807 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Disclosure is missing from the loan file.    
70790807 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
70790807 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file    
17756522 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) ComplianceEase Risk Indicator is "Elevated" due to “This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."    
17756522 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
37400427 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The Final 1003 (Application) is missing from the loan file.    
37400427 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
37400427 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from loan files.    
37400427 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from loan files.    
67515655 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
67515655 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
67515655 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
67515655 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD along with preliminary HUD and itemization are missing from the loan file.    
67515655 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final loan application is missing from the loan file    
67515655 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete California $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
18675234 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer disclosure is missing from the loan file.    
18675234 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) Mortgage Insurance certificate document is missing from the loan file.    
18675234 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) The final truth in lending disclosure is missing from the loan file.    
18675234 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan files.    
18675234 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
18675234 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Loan application is missing from the loan file.    
18675234 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Florida $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An Appraisal report at origination is missing from the loan file.    
18675234 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 along with preliminary HUD-1, Fee itemization and closing instructions are also missing from the loan file.    
38299318 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from loan file. NY Consumer Credit Disclosure / Fair Credit Reporting Notice NY Interest Rate Disclosure NY Hazard Insurance  Disclosure Tax Escrow Account Designation Mortgage Bankers and Exempt Organizations Preapplication Part 80 Disclosure Alternative Mortgage Transaction Disclosures Co-Signer Notice Requirements Default Warning Notice Smoke Alarm Affidavit New York Real Property Escrow Account Disclosure Subprime Home Loan Counseling Disclosure Subprime Home Loan Tax and Insurance Payment Disclosure Subprime Home Loan Disclosure Commitment Disclosure Lock-in Disclosure Expiration of Lock-in or Commitment Period    
38299318 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) The ROR is missing from loan file.    
38299318 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The Final Loan application is missing along with the Initial loan application from loan file.    
38299318 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business Disclosure is missing from loan file.    
38299318 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Notice of servicing transfer document is missing from loan file.    
38299318 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial escrow acct disclosure is missing from loan file.    
86609327 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in Maryland State. The following state disclosures are missing in the loan file.

1. Affidavit of Consideration
2. Affidavit of Disbursement
3. First Time Buyers Affidavit
4. Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure
5. Balloon Payment
6. No Escrow Account
7. Mandatory Binding Arbitration Disclosures
8. Home Buyer Education and Counseling Disclosure		    
86609327 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right of Rescission document is missing from the loan file.    
86609327 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
84047857 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
84047857 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
84047857 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
84047857 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the Indiana license validation test.    
84047857 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test. Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC. The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009.    
84047857 xx xx xx a0d5a3be-496f-41d6-a958-ce4e3ccae8fe 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative Index Value is unable to be determined.    
84047857 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
84047857 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) Following State Disclosures are missing from the loan file.. 1.Hazard Insurance Disclosure 2.Federal Consumer Credit Protection Act Disclosure 3.Insurance Freedom of Choice Disclosure    
4475843 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
4475843 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
4475843 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
4475843 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.    
4475843 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL $173,547.13 $173,932.13 -$385.00
This loan failed the TILA finance charge test.
The finance charge is $173,932.13. The disclosed finance charge of $173,547.13 is not considered accurate because it is understated by more than $100.		    
62447628 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Oklahoma $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) 1. TILA Finance Charge Test: FAIL             Loan Data : $170,596.85            Comparison Data: $170,923.54       Variance: -$326.69
This loan failed the TILA finance charge test. The finance charge is $170,923.54. The disclosed finance charge of $170,596.85 is not considered accurate because it is understated by more than $100.
2. TILA Foreclosure Rescission Finance Charge Test: FAIL            Loan Data: $170,596.85        Comparison Data: $170,923.54         Variance: -$326.69
This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $170,923.54. The disclosed finance charge of $170,596.85 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
62447628 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Oklahoma $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is "Moderate" factor as follow:
1. TILA Finance Charge Test: FAIL             Loan Data : $170,596.85            Comparison Data: $170,923.54       Variance: -$326.69
This loan failed the TILA finance charge test. The finance charge is $170,923.54. The disclosed finance charge of $170,596.85 is not considered accurate because it is understated by more than $100.
2. TILA Foreclosure Rescission Finance Charge Test: FAIL            Loan Data: $170,596.85        Comparison Data: $170,923.54         Variance: -$326.69
This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $170,923.54. The disclosed finance charge of $170,596.85 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
62447628 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Oklahoma $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated business disclosure is missing from loan file.    
62447628 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx Non-QM QC Complete Oklahoma $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
62447628 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Oklahoma $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The Loan Application is missing from loan file.    
92348201 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) An affiliated business disclosure is missing from the loan file.    
92348201 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
68204445 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
68204445 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Property is located at CA state.    
68204445 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
68204445 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
68204445 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file.    
68204445 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
68955379 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) This is Investment loan. Subject approve at xx%. Per tape, Income miscalculation may push DTI to over xx%. Unable to rely on docs in file and unable to calc ATR    
57156849 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Loan is FHA and required MI Cert is missing from the loan file.    
57156849 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) An executed copy of Notice of Servicing Transfer disclosure is missing from the loan file.    
57156849 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
57156849 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan is uninsurable due to missing of closing documents, soil treatment and Builder Certificate. Therefore, the loan does not meet program guidelines/requirements.    
57156849 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase did not test TRID Tolerance test since an initial CD is missing from the loan file.    
57156849 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) An executed copy of initial CD is missing from the loan file.    
75387835 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The subject property is an Investment. The provided Seller’s tape is showing an alert that the borrower's income was misrepresented. Once proper income was calculated, the DTI was at xx and exceeded the program. Further details are not provided to confirm the same. Unable to rely on the provided documents in the loan file.    
75387835 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) An executed copy of Notice of Servicing Transfer disclosure is missing from the loan file.    
72852153 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan was approved at xx%. Tape shows excluding SE income from Dagnino Corporation due to 2018 K-1 not provided pushes DTI to over xx%. Unable to rely on docs in file and unable to calc ATR.    
72852153 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $5,625.92 and the loan was underwritten by DU (Locator#xx) and its recommendation is “Approve/Eligible” with a DTI of xx%    
72852153 xx xx xx 1572c798-5472-43ad-ba76-74aaee0b84e4 561 561-3210 xx QM-TRID QC Complete California $xx Compliance NPL Active 3: Curable * Homeowner's Counseling disclosure is missing. (Lvl 3) Homeowners counseling disclosure is missing from loan document.    
35047472 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows that debt omitted without supporting documents and including the debt in total liabilities may push DTI higher. Unable to rely on docs in file and unable to calc ATR.    
35047472 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Servicing transfer document is missing from loan file.    
35047472 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial Loan Estimate is missing from the loan documents.    
35047472 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase TRID Tolerance Test is Incomplete due to initial Loan Estimate is missing from the loan documents.    
35047472 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%. The borrower's total income is $xx and total expenses are in the amount of $2,122.87. The loan was underwritten by DU (xx) and its recommendation is “Refer With Caution” with a DTI of xx%.    
61483679 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) The provided Seller’s tape is showing an alert that the borrower’s income was misrepresented. Further details are not provided. Unable to rely on the provided documents in the loan file.    
61483679 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) An executed copy of Notice of Servicing Transfer disclosure is missing from the loan file.    
63583384 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. Tape shows debts being miscalculated. Unable to rely on documents in file and unable to calculation ATR.    
63583384 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% the Borrower income was $xx and total expenses are in the amount of $1,709.01 and the loan was underwritten by AUS/xx/LP (locator# xx) and its recommendation is “Accept” with a DTI of xx%.    
63583384 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Original Appraisal is missing from Loan Documents.    
63583384 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Final CD dated xx/xx/2020. Initial LE dated xx/xx/2020 reflects Lender's Title Insurance Policy at $899.00. However, Final CD dated xx/xx/2020 reflects Lender's Title Insurance Policy at $904.00. This is fee increase of $5.00 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents.    
77929822 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape reflects following issues: Loan is uninsurable due to missing fully executed documents, therefore does not meet program requirements.    
77929822 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,319.14 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
77929822 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Final Closing Disclosure reflects monthly MIP as $138.94. However, Mortgage Insurance certificate is missing in the loan documents.    
77929822 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2020 does not reflect Appraisal Re-Inspection Fee. Final CD dated xx/xx/2020 reflects the addition of Appraisal Re-Inspection Fee at $150.00. This is an increase of $150.00 for charges that cannot increase 0% test. However, COC for the addition of Appraisal Re-Inspection Fee is missing from the loan documents.    
80359353 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,121.15  and the loan was underwrittenbyAUS/DU(Locator# xx) and its recommendation is “Approve/eligible” with a DTI of xx%    
80359353 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan failed the GSE (Fannie Mae public guidelines) QM Points and Fees Test due to Fees Charged: $$4,035.14Fees Threshold: $3,297.00 Over by +$738.14. The following fees were included in the test:  Commitment Fee paid by Borrower: $447.00 Mortgage Broker Fee (Indirect) $2,596.00 Points - Loan Discount Fee paid by Borrower: $992.14.    
80359353 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. Tape shows BWR was not employed at closing. Unable to rely on docs in file and unable to calculate ATR.    
80359353 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from Loan Document.    
80359353 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) The Loan Failed Charges That Cannot Increase 0% tolerance test due to increase off in Final CD dated xx/xx/2020. Initial LE Dated xx/xx/2020 reflects Points - Loan Discount Fee at $985.00. However, Final CD dated xx/xx/2020 reflects increase of Points - Loan Discount Fee at $992.14. This is increase of $7.14 charges that cannot increase 0% tolerance test. Valid COC for the increase of Points - Loan Discount Fee is missing from the loan documents.  The Loan Failed Charges That Cannot Increase 0% tolerance test due to increase off in Final CD dated xx/xx/2020. Initial LE dated xx/xx/2020 reflects Transfer Taxes at $944.00. However, Final CD dated xx/xx/2020 reflects increase Transfer Taxes at $1,406.00. This is increase of $462.00 charges that cannot increase 0% tolerance test. Valid COC for the increase of Transfer Taxes is missing from the loan documents.  The loan failed Charges that in total cannot Increase more than 10% test due to increase of fee in Final CD dated xx/xx/2020.Initial LE dated xx/xx/2020 reflects  Recording Fee at $396.00. However, Final CD dated xx/xx/2020 reflects Recording Fee at $465.00. Valid COC for the increase of fee is missing from the loan documents. Comparable fee amount for Charges that cannot increase more than 10% in Initial Loan Estimate is $396.00 and on Final Closing Disclosure Fee amount are $465.00 Exceeds by +$29.40.    
80359353 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed Qualified Mortgage Lending Policy Points and Fees Test due to Fees Charged: $4,035.14 Fees Threshold: $3,297.00 Over by +$738.14. The following fees were included in the test:  Commitment Fee paid by Borrower: $447.00 Mortgage Broker Fee (Indirect) $2,596.00 Points - Loan Discount Fee paid by Borrower: $992.14.    
91788782 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Loan is FHA and MI Certificate is missing from the loan file.    
91788782 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) A copy of Homeownership Counseling disclosure is missing from the loan file.    
91788782 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) An executed copy of initial LE is missing from the loan file.    
91788782 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan does not meet program guideline/requirements due to the property being considered a flip due to purchased 84 days ago.    
91788782 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) An executed copy of initial 1003 is missing from the loan file.    
91788782 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) An executed copy of Affiliated Business disclosure is missing from the loan file.    
91788782 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) An executed copy of Intent to proceed disclosure is missing from the loan file.    
91788782 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase did not test TRID Tolerance test since the initial LE & CD are missing from the loan file.    
91788782 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) An executed copy of Notice of Servicing Transfer disclosure is missing from the loan file.    
91788782 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) A copy of final 1008 (Transmittal Summary) is missing from the loan file.    
91788782 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) The subject property is a Manufactured Home and there is a recorded copy of Manufactured Home Rider (locator#xx) and Manufactured Home Affidavit of Affixation (locator#xx) are attached with the subject mortgage with having a VIN#FLA xx & FLA xx but the provided final title policy is not showing ALTA -7 for Manufactured Home.
The Appraisal report at origination is also stating that the Manufactured Home was attached to the permanent foundation system and towing hitch, wheels, & axles had been removed.		    
91788782 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) An executed copy of initial CD is missing from the loan file.    
91788782 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower’s income is $xx and total expenses are in the amount of $1,363.28 and the loan was underwritten by AUS/DU (locator#xx) & its recommendation is “Approve/Eligible” and DTI is showing in it as xx%.    
91788782 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
91788782 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * Missing flood cert (Lvl 3) A copy of Flood Insurance Certificate is missing from the loan file.    
91788782 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) An executed copy of Initial Escrow Account disclosure is missing from the loan file.    
91788782 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
91788782 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) The following disclosures are missing from the loan file:

1. Settlement Services Providers List (SSPL) disclosure

2. Fraud Guard Report		    
78492993 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Loan Failed Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $8,595.81 Fees threshold $7,970.98 Over By +$624.83.
The below fees were included in the test:
Mortgage Broker Fee (Indirect) $7,375.50
Points - Loan Discount Fee paid by Borrower: $1,220.31		    
78492993 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2019 does not reflects Points - Loan Discount Fee. However, Final CD dated xx/xx/2020 reflects the Points - Loan Discount Fee at $1,220.31. This is an increase of $1,220.31 for charges that cannot increase 0% tolerance test. Valid COC for the addition of Loan Origination Fee is missing from loan documents.    
78492993 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed Lender Credits that cannot decrease test due to Initial LE dated xx/xx/2019 reflects Non-specific lender credit at $359.00. However, Final CD dated xx/xx/2019 reflects Credit Report Fee (CR) at $72.25 (Paid by Lender). This is decrease of $286.75 for charges that cannot decrease. Valid COC for the decrease in NSLC is missing from the loan documents.    
78492993 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Seller Tape shows subject approved as OO but may be NOO as Investment property. Elevated for client review.    
78492993 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan Fails GSE (Fannie Mae public guidelines) QM Points and Fees Test due to Fees charged $8,595.81 Fees threshold $7,970.98 Over By +$624.83.
The below fees were included in the test:
Mortgage Broker Fee (Indirect) $7,375.50
Points - Loan Discount Fee paid by Borrower: $1,220.31		    
78492993 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock provided expired on xx/xx/2019 and the loan closed on xx/xx/2019. No lock extension found.    
65020883 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape shows debt miscalculation may push DTI over xx%. Unable to rely on documents in the file and unable to calculate ATR.    
65020883 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance Test. Initial LE dated xx/xx/2021 reflects Appraisal Fee at $450.00. However, Revised CD dated xx/xx/2020 reflects Appraisal Fee at $550.00 this is an increase of +$100 for charges that cannot increase 0% Tolerance tests. Valid COC for the increase in fee amount is missing from the loan documents.

Loan failed charges that cannot increase 0% tolerance Test. Initial LE dated xx/xx/2021 reflects Transfer Taxes at $1,128.00 However, Revised CD dated xx/xx/2020 reflects Transfer Taxes at $1,209.00 this is an increase of +$81.00 for charges that cannot increase 0% Tolerance tests. . Valid COC for the increase in fee amount is missing from the loan documents.

TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2020. Revised LE dated xx/xx/2020 reflects Lender Credit at $1,094.00. However, Revised CD dated reflects Lender Credit at $1,043.00 this is decrease of $51.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.		    
65020883 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $6,208.66 and the loan was under written by AUS/DU (xx) and its recommendation is “Accept” with a DTI of xx%.    
37242436 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $1,693.72 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
37242436 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan was approve at xx%. Tape shows undisclosed debt may push DTI over xx%. Unable to rely on documents in file and unable to calculate ATR.    
37242436 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
28170162 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 1: Acceptable * Settlement date is different from note date (Lvl 1) Final CD reflects closing date as xx/xx/2020.  Notary signature date on the Mortgage/Deed of Trust is xx/xx/2020.  Note date is xx/xx/2020.    
28170162 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) Calculated DSCR is 0.57. Form 1007 (locator: xx) reflects estimated monthly rent as $xx.    
13751840 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan has a qualified mortgage  DTI of xx %,the borrowers total income is $xx and the total expenses are in the amount of $1,768.17 and the loan was underwritten by AUS/xx/LP(xx)and its recommendation is “Accept” with a DTI of xx%.    
13751840 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. Tape shows BWR has 2-FHA mortgages and prior residence rental income was incorrectly used in DTI.  Unable to rely on documents in file and unable to calculate ATR.    
65293332 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to a fee addition on Final CD dated xx/xx/2020.  The Final CD shows an added fee Transfer Taxes of $1460.00 which did not appear on previous LE or CDs.  This is a fee increase of $1460.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.


TRID fee violation for $74.30 due to fee increase greater than a 10% increase in “creditor's provider fees” in Section E for a Recording Fee ($225.00 ).  Valid COC required to clear violation.		    
65293332 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Loan is FHA and MI Certificate is missing from the Loan document.    
65293332 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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.		    
65293332 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 4: Unacceptable * Loan does not conform to program guidelines (Lvl 4) Per tape, subject was treated as a cash out when it should have been a purchase. Tape shows loan has a $xx down payment that should have been required. No further details have been provided.    
25061232 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Per tape, TX A6 is not eligible for PIW or loan delivery without full appraisal. Supporting documents to validate the issue is missing from the loan documents.    
25061232 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Loan closed without Appraisal. However, FMV disclosure is in loan file located at xx.    
25061232 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Waived Waived * GSE Points and Fees Test Violations (Lvl W) Loan failed the GSE (Fannie Mae public guidelines) QM Points and Fees Test due to Fees Charged $5,607.05 Fees Threshold $5,033.23 Over by +573.82. The following fees were included in the test:
Mortgage Broker Fee (Indirect) $4,670.05.
Points - Loan Discount Fee paid by Borrower: $937.00.		    
25061232 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) This loan has points and fees that exceed the points and fees threshold. (12 CFR 1026.43(e)(3))

The loan amount is $110,260.00 or more, and the transaction's total points and fees is $5,607.05, which exceeds 3
percent of the total loan amount of $xx; or
The loan amount is less than $110,260.00 but at least $66,156.00, and the transaction's total points and fees is
$5,607.05, which exceeds $3,308.00; or
The loan amount is less than $66,156.00 but at least $22,052.00, and the transaction's total points and fees is $5,607.05,
which exceeds 5 percent of the total loan amount of $xx; or
The loan amount is less than $xx. but at least $13,783.00, and the transaction's total points and fees is $5,607.05,
which exceeds $1,103.00; or
The loan amount is less than $13,783.00 and the transaction's total points and fees is $5,607.05, which exceeds 8 percent of the
total loan amount of $xx.		    
31660841 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $7,281.78 per AUS/DU (locator#xx) and its recommendation is “Approve/Eligible with xx%.”.    
31660841 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows, Project FC date xx-xx-25. Loan is uninsurable due to missing fully executed documents, therefore does not meet program requirements.    
31660841 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2020.  Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2020.  Note date is xx/xx/2020.    
97782330 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape shows undisclosed debt may push DTI to xx%. Unable to rely on docs in file and unable to calc ATR.    
97782330 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $4,164.66 per AUS/DU (Locator#xx) and its recommendation is “Approve/Eligible with xx%.”.    
80916362 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) This loan failed the higher-priced mortgage loan test as Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.  Higher-Priced Mortgage Loan Test FAIL: charged 4.8xx% allowed 4.270% over by +0.573%    
80916362 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule.  FHA QM Safe Harbor Test FAIL: charged 4.8xx% allowed 4.770% over by +0.073%  Qualified Mortgage Safe Harbor Threshold FAIL: charged 4.8xx% allowed 4.270% over by +0.573%    
80916362 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape reflects  the following issue where the loan is FHA uninsurable due to delinquencies. Hence loan does not meet program requirements.    
80916362 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) As the Loan is FHA Uninsured, MI certificate is not required.    
88064488 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
88064488 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure to the Borrower(s) on LE dated xx/xx/2020 discloses the loan will not be transferred and the originator will service the loan.    
88064488 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan has failed Charges That Cannot Increase Test, because Initial LE dated xx/xx/2020 shows Appraisal Fee at $550.00, however Final CD dated xx/xx/2020 shows Appraisal Fee at $700.00. This is a fee increase of $150.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
88064488 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape is reflecting issue as "Missing documentation- Loan is missing new construction documents, therefore loan does not meet program guidelines/requirements." However, Appraisal report is "As Is". No requirement of 1004D.    
21238138 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Washington $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal is missing in the loan file.    
21238138 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2020.  Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2020.  Note date is xx/xx/2020.    
21238138 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects defect as "Borrower COVID-19 Forbearance Plan, more than 180 days past note date, delinquencies, therefore loan does not meet program guideline/requirements."    
21238138 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated Business disclosure is missing in the loan file.    
21238138 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) Test incomplete as initial CD is missing.    
21238138 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial CD and disclosure tracking missing in the loan file.    
21238138 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Servicing transfer disclosure to the Borrower(s) on LE dated xx/xx/2020 discloses the loan will not be transferred and the originator will service the loan.    
55391717 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) FHA QM Safe Harbor Test. Loan failed FHA QM Safe Harbor Test due to APR Charged 3.759% APR Threshold 5.020%  Variance -1.261%    
55391717 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) GSE (Fannie Mae public guidelines) QM Points and Fees Test.
Loan Fails GSE (Fannie Mae public guidelines) QM Points and Fees Test due to Fees charged $7,986.93 Fees threshold $7,920.50 Over By +$66.43. Following fees were included in test.
Mortgage Broker Fee (Indirect) $7,422.80
Points - Loan Discount Fee paid by Borrower: $564.13

Qualified Mortgage Lending Policy Points and Fees Test.
Loan Fails Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $7,986.93 Fees threshold $7,920.50 Over By +$66.43. Following fees were included in test.
Mortgage Broker Fee (Indirect) $7,422.80
Points - Loan Discount Fee paid by Borrower: $564.13		    
55391717 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Per tape, there is issue with property flipping policy. As per Appraisal dated xx/xx/2021, Appraisal value is $xx and Sales Price is $xx. Appraisal also reflects that the subject property was sold on xx/xx/2021 for $xx.    
55391717 xx xx xx cd78c3d6-5980-4171-a589-a92d6a853351 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Compliance Compliance Active 3: Curable * Rebuttable Presumption - defined by loan findings (Lvl 3) FHA QM Rebuttable Presumption Test. Loan failed the FHA QM Rebuttable Presumption Test due to Fees Charged: $7,986.93 Fees Threshold :$7,920.50 Over by +$66.43. The following fees were included in the test.
Mortgage Broker Fee (Indirect) $7,422.80
Points - Loan Discount Fee paid by Borrower: $564.13		    
55391717 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage Insurance Certificate is missing from loan documents.    
44060564 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete West Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at $xx. Tape shows BWR was not employed at closing. Unable to rely on docs in file and unable to calc ATR.    
23991591 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape shows undisclosed debt may push DTI to xx%. Unable to rely on documents in file and unable to calculate ATR.    
23991591 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $1,143.67 and the loan was under written by AUS/DU (xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
23991591 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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		    
23991591 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that cannot increase test due to Transfer Taxes. Initial LE dated xx/xx/2020 reflect Transfer Taxes $993.00 & Final CD dated xx/xx/2020 reflect $2,322.75.  Exceeds by $+1,329.75. However, Valid COC is missing for increasing Transfer Taxes Fee.

This loan failed the charges that cannot increase test due to Points - Loan Discount Fee. Initial LE dated xx/xx/2020 reflect Points - Loan Discount Fee $00.000 & Final CD dated xx/xx/2020 reflect $1,153.400. Exceeds by +$1,153.40. However, Valid COC is missing for increasing Transfer Taxes Fee.

Total tolerance violation is $2,483.15.		    
23991591 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement hand signed by borrower is missing from loan documents.    
98910252 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $5,037.24 and the loan was underwritten by AUS/DU (locator#xx ) and its recommendation is “Approve/Eligible” with a DTI of xx%    
98910252 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan fails charges that cannot increase test; Initial LE dated xx/xx/2020 reflects Appraisal Fee at $450.00. However, final CD dated xx/xx/2020 reflects Appraisal Fee at $600.00. This is an increase of +$600.00. Valid COC is missing from loan documents.    
22989018 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Washington D.C. $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows VOE and wages in file do not match VOE and wages per the third party Work Number.    
22989018 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Washington D.C. $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) An executed copy of Notice of Servicing Transfer disclosure is missing from the loan file.    
2054389 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $7,945.92 and the loan was underwritten by AUS/DU (locator atxx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
2054389 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows defects for missing income docs Unable to rely on docs in file and unable to calc ATR.    
2054389 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal Report is missing from the loan documents.    
2054389 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan fails Compliance Ease delivery and timing test Initial Loan Estimate dated xx/xx/2020 and initial application dated xx/xx/2020. However, delivery date is xx/xx/2020 and Document tracker proving the delivery of Initial Loan Estimate within 3 business days is missing from the loan documents.

The loan failed Charges that in total cannot Increase more than 10% due to delivery and timing test fail of initial Loan Estimate dated xx/xx/2020 which is not within 3 business days from initial application dated xx/xx/2020.

TRID Violation due to loan failed charged that cannot increase test due to delivery and timing test fail of initial Loan Estimate dated xx/xx/2020 which is not within 3 business days from initial application dated xx/xx/2020.		    
45902279 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
45902279 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA  finance charge test due to the Finance charge disclosed on Final CD as $11,933.63. Calculated Finance Charge $113,107.53 for an under disclosed amount of -$101,173.90 Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a refinance, originated on xx/xx/2019 and the SOL is 3 years.


This loan failed the TILA foreclosure rescission finance charge test due to the Finance charge disclosed on Final CD as $11,933.63. Calculated Finance Charge $113,107.53 for an under disclosed amount of -$101,173.90 Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a refinance, originated on xx/xx/2019 and the SOL is 3 years.


This loan failed the TILA APR test due to the annual percentage rate (APR) is 4.088%. The disclosed APR of 4.364% Over By +0.276%. Is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. Subject loan is a refinance, originated on xx/xx/2019 and the SOL is 3 years.		    
45902279 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) This loan is FHA. The loan was originated on xx/xx/2019. However, Mortgage insurance is missing from the loan Documents.    
45902279 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 3: Curable * Right of Rescission missing or unexecuted (Lvl 3) Right of Rescission is missing from loan documents.    
20762787 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE Risk indicator is "Moderate" since this loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date (xx/xx/2021) is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date (xx/xx/2021).    
20762787 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the TRID disclosure dates and personal delivery validation test. This loan contains a  Revised Closing Disclosure Receipt Date (xx/xx/2021) that is after the Revised Closing Disclosure Delivery Date (xx/xx/2021). However, the method of delivery is marked as "Personal."

2. This loan failed the Veterans Affairs IRRRL unpaid principal balance validation test. This loan contains a value for one, but not both of the following fields: The loan is a VA interest rate reduction refinance loan (IRRRL), but the unpaid principal balance was not provided. The unpaid principal balance is necessary to correctly calculate the 1% loan origination fee threshold for VA IRRRL loans.		    
20762787 xx xx xx d37b6b0d-52a6-40cb-8ba6-8980e85842cd 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The transaction date is mentioned in the provided ROR/NRTC as xx/xx/2021 but the original Note/Settlement date is xx/xx/2021..    
20762787 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) An executed copy of Affiliated Business disclosure is missing from the loan file.    
20762787 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan is a VA IRRRL & per VA guidelines, the interest rate on an IRRRL should decrease by 0.50%. The aforementioned loan does not meet this requirement. The prior loan's interest rate was 2.999%; the new loan closed with a rate of 2.70%. Further details are not provided to confirm the same. Unable to rely on the provided documents in the loan file.    
10084712 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows this loan is a Texas A6. Appraisal was not ordered as LP in file had an appraisal waiver.    
10084712 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement signed by Borrower is missing from the Loan Documents.    
10084712 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from loan documents. However, TX FMV disclosure located at (locator# xx).    
63558098 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Missing Final Transmittal Summary from the loan documents.    
63558098 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the TRID Post-Consummation Event Validation Test due to This loan has a post-consummation event date that occurs on or before the closing date or consummation date of the loan.    
63558098 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $17977.82 and the loan was underwritten by AUS/DU (xx) and its recommendation is “Caution/Ineligible” with a DTI of xx%    
63558098 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Georgia $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan documents.    
63558098 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape shows Lost property inspection waiver but got it back post-closing. Investor would not accept the revision.    
40697692 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as Owner Occupancy but seller defect shows Occupancy as Second Home. Seller was unable to determine which property BWR actually lived at. DTI xx%. Elevated for client review.    
40697692 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Virginia $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) As per 1008, No Appraisal is required.However, Required PIW is missing from loan file.    
13899889 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue, Subject Property is Condominium and approval issued through FNMA but loan was sold to FHLMC who disagrees with property function.    
13899889 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Compliance Ease delivery and timing test for Initial Closing Disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is on the Consummation date xx/xx/2020.    
13899889 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed ComplianceEase TRID Tolerance Test due to Initial LE dated xx/xx/2020 reflects Settlement or Closing Fee at $350.00. However Revised CD dated xx/xx/2020 reflects Settlement or Closing Fee at $700.00($350.00 paid by seller) this is total increase of $350.00 for charges that cannot increase.    
13899889 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $3071.53 and the loan was underwritten by AUS/DU (locator#xx ) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
13899889 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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.		    
25929006 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $4,137.22 and the loan was underwritten by AUS/DU (locator#xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
25929006 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at 48%. Income miscalculation noted on tape. Details not provided. Unable to rely on documents in file and unable to calculation ATR.    
25929006 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $443,428.18. Calculated Finance Charge $443,678.18 for an under disclosed amount of $250.00.  The disclosed finance charge of $443,428.18 is not considered accurate because it is understated by more than $100. Subject loan is a refinance, originated on xx/xx/2019 and the SOL is 3 years.    
25929006 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) The loan failed Charges that in total cannot Increase more than 10% test due to addition of fee in Initial CD dated xx/xx/2019. Revised LE dated xx/xx/2019 does not reflect Tax Due at Closing Fee in F Section. However, Initial CD dated xx/xx/2019 reflects Tax Due at Closing at $4,814.48. This is increase of $4,814.48 for charges that in total cannot Increase more than 10%.  Valid COC for the addition of Tax Due at closing fee is missing from the loan documents. Comparable fee amount for Charges that cannot increase more than 10% in Initial Loan Estimate is $300.00 and on Final Closing Disclosure Fee amount is $5,040.48 Exceeds by $4,740.48.    
56808848 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) Loan failed TILA APR Test APR Calculated 3.520% APR Threshold 3.922% -0.402% Variance. Subject loan is a purchase, originated on xx/xx/2020 and the SOL is 1 year    
56808848 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $72,248.78. Calculated Finance Charge is  $81,737.04. Loan failed TILA Finance Charge Test for an under disclosed amount of $9,488.26. Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a purchase, originated on xx/xx/2020 and the SOL is 1 year.    
56808848 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows Borrower was not employed at closing. Unable to rely on docs in file and unable to calc ATR.    
56808848 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2020 reflect Transfer Taxes at $1,182.00. Final CD dated xx/xx/2020 reflects the increasing of Transfer Taxes Fee at $1,983.50.(Transfer Taxes of $1,688.00 paid by seller and $295.50 paid by Lender ). This is an increase of $801.50 for charges that cannot increase 0% test. However,the COC for increasing of Transfer Taxes is missing from the loan documents.    
56808848 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the revised closing disclosure dated on xx/xx/2020 delivery date test (waiting period required) due to Changes before consummation requiring a new waiting period requirement is not met.    
87292845 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $4,568.46 and the loan was underwritten by LPA (locator#xx) and its recommendation is "Caution" with DTI of xx%.    
87292845 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) TRID Violation in Charges That Cannot Increase test due to fee addition in Revised CD dated xx/xx/2021. Initial LE dated xx/xx/2021 does reflect Transfer Taxes at $4,439.00. Revised CD dated xx/xx/2021 reflect Transfer Taxes at $4,883.75. (Transfer Taxes $4,144.00 Paid by seller and $739.75 paid by Lender)  This increase of $444.75.    
87292845 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges That Cannot Increase test due to fee addition in Revised CD dated xx/xx/2021. Initial LE dated xx/xx/2021 does reflect Transfer Taxes at $4,439.00. Revised CD dated xx/xx/2021 reflect Transfer Taxes at $4,883.75. (Transfer Taxes $4,144.00 Paid by seller and $739.75 paid by Lender)  This increase of $444.75.    
87292845 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete New York $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Market condition Appraisal report (1004MC) is missing from the Loan Document.    
87292845 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) TRID Violation in Charges That Cannot Increase test due to fee addition in Revised CD dated xx/xx/2021. Initial LE dated xx/xx/2021 does reflect Transfer Taxes at $4,439.00. Revised CD dated xx/xx/2021 reflect Transfer Taxes at $4,883.75. (Transfer Taxes $4,144.00 Paid by seller and $739.75 paid by Lender)  This increase of $444.75.    
79574254 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan is Primary Cashout refinance. Seller tape reflects, PIW is not permitted on TX 50 (a)(6). FMV disclosure is in loan file.    
79574254 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
68450328 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
68450328 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final CD available in the loan file. However, 3rd and 4th page are missing from the loan documents.    
68450328 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
68450328 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as OO. BWR works in NY but subject is in TX. May be NOO. Seller did not resolve this. Elevated for client review.    
60407626 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) A copy of Appraisal Report at origination is missing from loan file.    
60407626 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE Risk indicator is "Moderate" since this loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $909.00 on final CD dated xx/xx/2021. There is a total fee increased of $909.00 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.    
60407626 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).

3. This loan failed the TRID disclosure dates and personal delivery validation test. This loan contains a Revised Closing Disclosure Receipt Date (xx/xx/2021) that is after the Revised Closing Disclosure Delivery Date (xx/xx/2021). However, the method of delivery is marked as "Personal."		    
60407626 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $909.00 on final CD dated xx/xx/2021. There is a total fee increased of $909.00 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.    
60407626 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 4: Unacceptable * Loan does not conform to program guidelines (Lvl 4) The provided Seller’s tape is showing an alert that the subject loan is a Texas 50(A) 6 Refinance & used an Appraisal Waiver which is not permitted. Further details are not provided to confirm the same.    
84883296 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. Income miscalculation, missing SE BWR income docs and undisclosed debt  may push DTI to over xx%. Unable to rely on docs in file and unable to calc ATR    
84883296 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from Loan Document.    
84883296 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Note date reflect xx/xx/2021 and settlement date xx/xx/2021    
8964079 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $3,199.50 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%    
8964079 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher Priced Mortgage Test due to APR Charged 4.751% APR Threshold 4.520% Over By 0.231%. HPML disclosure signed by the borrower is missing from the loan documents. Loan is escrowed.    
8964079 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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.		    
8964079 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Final CD dated xx/xx/2021.Revised LE dated xx/xx/2021 reflects Extension fee at $1,101.00. However Final CD dated xx/xx/2021 reflects Extension Fee at $1,894.18. This is total of $793.18 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents.    
8964079 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The loan is not insurable because it doesn't meet HUD guidelines. There cannot be any late on a cash out refinance and there is a least a 1x30 day late. We are waiting for the VOM from one other lender so there could be more.    
8964079 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) A Rate Lock Agreement signed by the Borrower is Missing from the Loan Documents.    
8964079 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed FHA QM Safe Harbor Test due to APR Charged 4.751% APR Threshold 4.520% Over By +0.231%. HPML disclosure signed by the borrower is missing from the loan documents. Loan is escrowed.    
45531818 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase test. Initial LE dated xx/xx/2020  does not Rate Lock Extension Fee 15 day and Rate Lock Extension Fee 7 day. However, Final CD dated xx/xx/2020  reflects Rate Lock Extension Fee 15 day at $986.63 and Rate Lock Extension Fee 7 day at $460.43. This is an increase of $1447.06 for charges that cannot increase.    
45531818 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
45531818 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) The loan has a qualified mortgage DTI of xx %, the borrower’s total income is $xx and the total expenses are in the amount of $2,707.94 and the loan was underwritten by AUS/DU (xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
75726050 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Appraisal Update or Completion report ( Form 1004d) is missing from the loan documents. Appraisal made is Subject to due to repairs required. Total estimated repair cost and escrow amount is $xx.    
75726050 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2019 reflect Points - Loan Discount Fee at $1,563.00. Final CD dated xx/xx/2020 reflects Points - Loan Discount Fee at $1,812.11. This is an increase of $249.11 for charges that cannot increase 0% test. COC for the increasing of Points - Loan Discount Fee is missing from the loan documents.

Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2019 does not reflect Appraisal Re-Inspection Fee. Final CD dated xx/xx/2020 reflects the addition of Appraisal Re-Inspection Fee at $175.00. This is an increase of $175.00 for charges that cannot increase 0% test. COC for the addition of Appraisal Re-Inspection Fee is missing from the loan documents.		    
75726050 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed Compliance Ease delivery and timing test for Closing Disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is after the Consummation date xx/xx/2020.    
75726050 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
75726050 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Final Closing Disclosure reflects monthly MIP as $54.40. However, Mortgage insurance Certificate is missing from loan documents.    
75726050 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership counselling disclosure is missing from the loan documents.    
75726050 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure is missing from the loan documents.    
93266529 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects Lost the PIW from agency at the clear to close and U/W missed this. We tried to get exception from agency but because the property is not a primary residence they will not grant exception. Appraisal was completed value came in lower than is over xx% on a cashout refinance.    
93266529 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of Servicing Transfer is missing from Loan Document.    
93266529 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase TRID tolerance test is incomplete due to Initial LE and Initial CD are missing from Loan document.    
93266529 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $971.32 and the loan was underwrittenbyAUS/DU(locator#xx) and its recommendation is “Approve/Ineligible” with a DTI of xxs%    
93266529 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as OO but tape states repurchase due to PIW issue on NOO property. Further details not provided. Elevated for client review.    
93266529 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial LE is missing from loan document.    
93266529 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial CD is missing from loan document.    
93266529 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from Loan Document.    
86890143 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $3,670.36 and the loan was underwritten by LP (locator# xx) and its recommendation is “Accept” with a DTI of xx%.    
86890143 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at DTI xx%. Tape shows there are undisclosed income issues. Unable to rely on docs in file and unable to calc ATR.    
86890143 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan documents.    
86890143 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2020.  Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2020.  Note date is xx/xx/2020.    
86890143 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) An Appraisal report at origination is missing from the loan file.    
93432580 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. Tape shows there are undisclosed income issues. Unable to rely on docs in file and unable to calc ATR.    
93432580 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock agreement is missing from the loan documents.    
93432580 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Right of Rescission missing or unexecuted (Lvl 3) ROR is missing from the loan documents.    
93432580 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final Closing disclosure is missing from the loan documents.    
93432580 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final Application (1003) is missing from the loan documents.    
59345561 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) The loan failed Charges that Cannot Increase Test due to fee addition in the final CD dated xx/xx/2020. Initial LE dated xx/xx/2020 did not reflect Points - Loan Discount Fee at $754.74 which was added in the final CD. Initial LE reflected Loan Origination Fee at $1434.00 which was increased in the final CD to $1447.51. This is fee increase of $768.25 in the final CD. Valid COC is missing.    
59345561 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date (xx/xx/2020) is provided and the initial closing disclosure receipt date is less than three business days before the consummation date (xx/xx/2020).    
59345561 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) The loan failed Charges that Cannot Increase Test due to fee addition in the final CD dated xx/xx/2020. Initial LE dated xx/xx/2020 did not reflect Points - Loan Discount Fee at $754.74 which was added in the final CD. Initial LE reflected Loan Origination Fee at $1434.00 which was increased in the final CD to $1447.51. This is fee increase of $768.25 in the final CD. Valid COC is missing.    
59345561 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) A copy of rate lock agreement is missing from the loan file.    
8106669 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $1,772.82 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%    
8106669 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects "did not meet FHA bankruptcy seasoning requirements before the case number was pulled"    
8106669 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Charges That In Total Cannot Increase More Than 10% Test:   Charges $2,869.00  Threshold $2,699.40  Over by +$169.60    
8106669 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) This is FHA loan and Mortgage Insurance document is missing from the loan files.    
8106669 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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.		    
61903389 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan was approved at DTI of xx%. Per tape, BWR was not employed at closing. Unable to rely on docs in file and unable to calc ATR.    
61903389 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower and Co-Borrower income was $xx and total expenses are in the amount of $5,108.84 and the loan was underwritten by AUS/DU (locator#xx) and its recommendation is “Approve/Eligible” with a DTI of xx%    
61903389 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan files.    
61903389 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard Insurance document is missing from the loan files.    
66944385 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Loan closed without Appraisal. However, there is an executed copy of "Texas Fair Market Value disclosure" in the loan file (locator#xx).    
66944385 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE Risk indicator is "Moderate" since this loan failed the TRID disclosure dates and personal delivery validation test. This loan contains a  Revised Closing Disclosure Receipt Date (xx/xx/2021) that is after the Revised Closing Disclosure Delivery Date (xx/xx/2021). However, the method of delivery is marked as "Personal."    
66944385 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the TRID disclosure dates and personal delivery validation test. This loan contains a  Revised Closing Disclosure Receipt Date (xx/xx/2021) that is after the Revised Closing Disclosure Delivery Date (xx/xx/2021). However, the method of delivery is marked as "Personal."    
80873769 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan was approved at xx%. Tape shows Income miscalculation pushes DTI to over xx%. Unable to rely on docs in file and unable to calc ATR.    
80873769 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $1,292.04 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
80873769 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Loan Fails Qualified Mortgage Lending Points and Fees test due to Fees charged $4,026.10 Fees threshold $3,862.66 Over By +$163.44

The below fees were included in the test:
Mortgage Broker Fee (Indirect) $3,575.00 paid by Lender
Points - Loan Discount Fee paid by Borrower: $451.10		    
80873769 xx xx xx ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * LE/CD Issue date test Fail (Lvl 3) Loan fails Compliance Ease delivery and timing test for Closing Disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is at the time of Closing date xx/xx/2020.    
80873769 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $84,373.41. Calculated Finance Charge $84,675.77 for an under disclosed amount of $302.36 Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a purchase, originated on xx/xx/2020 and the SOL is 1 year.    
80873769 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan document.    
80873769 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Qualified Mortgage Points and Fees test due to Fees charged $4,026.10 Fees threshold $3,862.66 Over By +$163.44

The below fees were included in the test:
Mortgage Broker Fee (Indirect) $3,575.00 paid by Lender
Points - Loan Discount Fee paid by Borrower: $451.10		    
80873769 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Final CD dated xx/xx/2020. Initial LE dated xx/xx/2020 reflect Transfer Taxes at $312.00. However, Final CD dated xx/xx/2020 reflect Transfer Taxes at $864.00 This is a fee increase of $552.00 for 0% tolerance fee test. Valid COC for the increase in Transfer taxes is missing from the loan documents.    
97221702 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows BWR was employed by family member or interested party. Incorrect income calculation may push DTI to xx%. Unable to rely on docs in file and unable to calc ATR.    
97221702 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Missing COC for Lender Credits Decrease on CD dated xx/xx/2021. CD dated xx/xx/2021 reflects a Lender Credits of $87.19, however, CD dated xx/xx/2021 reflects a Lender Credits of $54.01.    
97221702 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The Borrower's Intent to proceed is missing in loan file.    
56174333 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject was approved at xx%. Income misrep as BWR is SE 1099  and not W2 per 1003. Income docs not in file. Unable to rely on documents in file and unable to calculate ATR.    
56174333 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The Borrower's Intent to proceed is missing in loan file.    
92605622 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows BWR was not employed at closing. Unable to rely on docs in file and unable to calc ATR.    
92605622 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Your Home loan Toolkit / Acknowledgment / Disclosure Tracking is missing in the loan file.    
85580137 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The Borrower's Intent to proceed is missing in loan file.    
85580137 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Missing COC for Lender Credits Decrease on CD dated xx/xx/2020. LE dated xx/xx/2020 reflects a Lender Credits of $517.00, however, CD dated xx/xx/2020 reflects a Lender Credits of $495.00.    
85580137 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows BWR was not employed at closing. Unable to rely on docs in file and unable to calc ATR.    
85580137 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
6639868 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) The provided Seller’s tape is showing that there was an undisclosed debt at the time of closing  DTI to xx%. Unable to rely on the provided documents in the loan file.    
6639868 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE Risk indicator is "Moderate" since this loan failed the TRID disclosure dates and personal delivery validation test. This loan contains a  Revised Closing Disclosure Receipt Date (xx/xx/2020) that is after the Revised Closing Disclosure Delivery Date (xx/xx/2020). However, the method of delivery is marked as "Personal."    
6639868 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower’s income is $xx and total expenses are in the amount of $12,062.18 and the loan was underwritten by AUS/LP (locator#xx) & its recommendation is “Accept/Eligible” and DTI is showing in it as xx%.    
6639868 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the TRID disclosure dates and personal delivery validation test. This loan contains a  Revised Closing Disclosure Receipt Date (xx/xx/2020) that is after the Revised Closing Disclosure Delivery Date (xx/xx/2020). However, the method of delivery is marked as "Personal."    
6639868 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete California $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as OO but per tape may be NOO. Unable to rely on the provided documents in the loan file.    
37357539 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Subject approved as residential investment property but tape shows subject is a condotel unit in a HI resort and available for hotel rental pool. Without a lease, treating as commercial property. Elevated for client review.    
37357539 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by the Borrower(a).  State required.    
94750033 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject NOO approve at xx%.  Income miscalculation may push DTI to xx%.    
94750033 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Delaware $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject NOO approve at xx%.  Income miscalculation may push DTI to xx%.    
94750033 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
94750033 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The Borrower's Intent to proceed is missing in loan file.    
39579613 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
39579613 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: FAIL
TILA Foreclosure Rescission Finance Charge Test: FAIL		    
39579613 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
39579613 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file    
39579613 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
39579613 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Loan application is missing from the loan file.    
39579613 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL
Loan Data $177,267.33 Comparison Data $177,466.91 Variance -$199.58
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $177,466.91. The disclosed finance charge of $177,267.33 is not considered accurate because it is understated by more than $100.

TILA Foreclosure Rescission Finance Charge Test: FAIL
Loan Data $177,267.33 Comparison Data $177,466.91 Variance -$199.58
This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h) ) The finance charge is $177,466.91. The disclosed finance charge of $177,267.33 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
525986 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
525986 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The final Application is missing from the loan file.    
525986 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non-QM QC Complete Georgia $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home affixed. Final Appraisal Report and Updated Title Report description shows the type of subject property as a manufactured home. However, the Affidavit of Affixation is not available in the loan file. The ALTA 7 Endorsement is not attached with the final title policy. Also, the VIN# is not available in the legal description of the recorded mortgage. The VIN # shows in updated title report is xx.    
525986 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file    
525986 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required Disclosures (Lvl 2) The subject property is located in Georgia State. The following state disclosures are missing in the loan file.

1. Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2. Disclosure of Additional Fees		    
21517765 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Maine $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file    
21517765 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Maine $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
44155502 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosures is missing from the loan file.    
44155502 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 3: Curable * Missing credit report (Lvl 3) credit report is missing in loan file.    
44155502 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the late fees test.    
44155502 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) Late Fees Test: FAIL Loan Data 6.000% Comparison Data 5.000% Variance +1.000%.
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.		    
44155502 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in Texas. The following disclosures are missing from the loan file.
TX Loan Agreement Notice
Commitment Requirement/Anti-Tying
TILA Disclosures in Spanish
Choice of Insurance Notice
Collateral Protection Insurance Disclosure
Non-Deposit Investment Product Disclosure Are there any promotional materials?
Insurance Solicitation/Post Commitment Requirement
Construction Loan Disclosure		    
82104857 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) Loan fails Higher-Priced Mortgage Loan Test due to APR charges 4.5% threshold is 4.420%. Over by +0.080%. Borrower signed HPML disclosure is missing from loan documents. The loan is escrowed.    
82104857 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan fails Qualified Mortgage Safe Harbor Threshold test due to APR charges 4.5% threshold is 4.420%. Over by +0.080%.The loan is escrowed.    
82104857 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan fails charges that cannot increase test; Initial LE dated xx/xx/2020 does not reflects Wire Transfer Fee. However, final  CD dated xx/xx/2020 reflects Wire Transfer Fee at $150.00. This is increase of $150.00. Total increased fee is paid by seller.    
82104857 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order
to correctly perform reimbursement calculations.

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.		    
82104857 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by the Borrower.    
92615998 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails Qualified Mortgage Points and Fees test due to Fees charged $3,631.21 Fees threshold $3,252.37 Over By +$378.84.
The below fees were included in the test:
Mortgage Broker Fee (Indirect): $3,055.64 paid by Lender.
Points - Loan Discount Fee paid by Borrower: $575.57.

Loan Fails GSE (Fannie Mae public guidelines) QM Points and Fees test due to Fees charged $3,631.21 Fees threshold $3,252.37 Over By +$378.84.
The below fees were included in the test:
Mortgage Broker Fee (Indirect): $3,055.64 paid by Lender.
Points - Loan Discount Fee paid by Borrower: $575.57.

Loan Fails GSE (Freddie Mac public guidelines) QM Points and Fees test due to Fees charged $3,631.21 Fees threshold $3,252.37 Over By +$378.84.
The below fees were included in the test:
Mortgage Broker Fee (Indirect): $3,055.64 paid by Lender.
Points - Loan Discount Fee paid by Borrower: $575.57.		    
59397920 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan file.    
59397920 xx xx xx d37b6b0d-52a6-40cb-8ba6-8980e85842cd 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 3: Curable * ROR Transaction date not consistent with Note and/or HUD (Lvl 3) ROR is missing from file.    
61924045 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
61924045 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is Moderate as the loan is failed for "TILA APR Test".    
61924045 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
61924045 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 7.731%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
61924045 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
61924045 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
61924045 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
61924045 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
61924045 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Texas $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report at the time of origination is missing from the loan file.    
61924045 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
61917265 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Per tape, the VA Seasoning requirement of 210 days is not met.    
61917265 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) A Rate Lock Agreement signed by the Borrower is Missing from the Loan Documents.    
37034849 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue: "Mortgage/Program Eligibility. VA COE/Entitlement. Supporting documents to validate the issue is missing from the loan documents."    
37034849 xx xx xx 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit LTV Active 3: Curable * LTV or CLTV exceeds 104% (Lvl 3) Collateral Value used for Underwriting:  $xx.  Amount of Secondary Lien(s):  $0.00.  Loan Amount: $xx.  CLTV = xx%.    
37034849 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock provided expired on xx/xx/2021 and the loan closed on xx/xx/2021. No lock extension found.    
37034849 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,090.48 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
36224636 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) This loan is Investment. Subject Loan was approved at xx%. Seller tape shows, primary residence payment not included in DTI, when included will not have approved AUS. AUS is missing from loan documents.    
36224636 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) As per Operative income statement, Net Operating Income is $xx and Annual Payments (Debt Service) is $20,014.32. The Debt Service Cover Ratio (DSCR) is 0.41 which is less than 1.    
99139188 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the file was not delivered on time & an investor would not purchase the seasoned loan.    
99139188 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) An executed copy of Notice of Servicing Transfer disclosure is missing from the loan file.    
99139188 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) A copy of final 1008 (Transmittal Summary) is missing from the loan file.    
99139188 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) An executed copy of Affiliated Business disclosure is missing from the loan file.    
99139188 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) A copy of Hazard Insurance Policy is missing from the loan file.    
99139188 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
99139188 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) An executed copy of Intent to proceed disclosure is missing from the loan file.    
99139188 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) An executed copy of initial 1003 is missing from the loan file.    
99139188 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) A copy of Appraisal Report at origination is missing from loan file.    
99139188 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) A copy of AUS/DU is missing from the loan file.    
99139188 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) The following disclosures are missing from the loan file:

1. Settlement Services Providers List (SSPL) disclosure

2. Fraud Guard Report		    
36144344 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal summary is missing from the loan files.    
36144344 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure is missing from the loan documents.    
36144344 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from the loan document.    
36144344 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard insurance is missing from the loan documents.    
36144344 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial Application is missing from the loan files.    
36144344 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer is missing from the loan documents.    
36144344 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeowners Counselling Disclosure is missing from loan documents.    
36144344 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Service Provider list is missing from the loan documents.    
36144344 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Per tape, LTV was increased from xx% to xx% which is outside investor guidelines. Supporting document is missing from loan file.    
36144344 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS DU/LP is missing from the loan files.    
36144344 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from loan documents.    
36144344 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from loan documents.    
36144344 xx xx xx dc8b4e34-b080-4a26-ad81-9438b134f4e2 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Compliance Doc Issue Active 3: Curable * Right of Rescission (Lvl 3) Right to Rescission is missing from the loan files.    
99780625 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Iowa $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.

Lender's Title Insurance Policy paid by Borrower: $319.00
Loan Closing Fee paid by Borrower: $325.00
Recording Service Fee paid by Borrower: $5.00
Title Closing Protection Letter (CPL) paid by Borrower: $25.00
Title Endorsement Fee paid by Borrower: $35.00		    
99780625 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Iowa $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial 1003 application is missing from Loan document.    
99780625 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Iowa $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from Loan Document.    
99780625 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Iowa $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial Closing Disclosure is missing from Loan Document.    
99780625 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Iowa $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects Investor required 2055 but were not able to acquire one in time.    
99780625 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Iowa $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Missing Settlement Services Provider List.    
99780625 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete Iowa $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial Loan Estimate is missing from Loan Document.    
99780625 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Iowa $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The Borrower's Intent to proceed is missing in loan file.    
99780625 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Iowa $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Proof of hazard insurance is missing from Loan document.    
99780625 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Iowa $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) Compliance ease TRID tolerance test is incomplete due to initial loan estimate and initial closing disclosure is missing from loan document.    
99780625 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Iowa $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) The Affiliated Business Disclosure missing.    
99780625 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete Iowa $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership Counselling Disclosure is missing from Loan Document.    
99780625 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx QM-TRID QC Complete Iowa $xx Compliance Compliance Active 3: Curable * ComplianceEase State Regulations Test Failed (Lvl 3) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.

Lender's Title Insurance Policy paid by Borrower: $319.00
Loan Closing Fee paid by Borrower: $325.00
Recording Service Fee paid by Borrower: $5.00
Title Closing Protection Letter (CPL) paid by Borrower: $25.00
Title Endorsement Fee paid by Borrower: $35.00		    
99780625 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Iowa $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of Servicing Transfer is missing from Loan Document.    
47411018 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan Fails GSE (Fannie Mae public guidelines) QM Points and Fees Test due to Fees charged $7,839.55 Fees threshold $4,985.47 Over By +$2,854.08
The below fees were included in the test:

Mortgage Broker Fee (Indirect) $4,736.11
Points - Loan Discount Fee paid by Borrower: $3,103.44		    
47411018 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

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.		    
47411018 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Qualified Mortgage Points and Fees test due to Fees charged $7,839.55 Fees threshold $4,985.47 Over By +$2,854.08
The below fees were included in the test:

Mortgage Broker Fee (Indirect) $4,736.11
Points - Loan Discount Fee paid by Borrower: $3,103.44		    
47411018 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from Loan Document.    
47411018 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to addition of fee in Revised CD dated xx/xx/2020. Initial LE dated xx/xx/2020 does not reflects Points - Loan Discount Fee . However, Revised CD dated xx/xx/2020 reflects Points - Loan Discount Fee at $3,103.44. This is fee increase of $3,103.44 for 0% tolerance test fee.    
47411018 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan approved at xx%. Per tape, Not Insured - Closing/Admin down due to maintenance: USDA commitment and final GUS reflect Total loan amount does not include USDA guarantee fee, Loan amount $xx. We closed financing the guarantee fee, total loan amount $xx.    
4621745 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,280.31 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
4621745 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows mortgage credit reject due to income miscalculation. Co-borrower’s base income is not in line with YTD and relying only on Borrowers income may push DTI over xx%. Unable to rely on documents in file and unable to calculate ATR.    
4621745 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage Insurance Document is missing from the Loan Documents.    
4621745 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement signed by the Borrower is Missing from the Loan Documents.    
48033900 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan fails ComplianceEase Qualified mortgage Safe Harbor Threshold loan test. APR Calculated 4.792% APR Threshold 4.710% Over By +0.082%. Missing Higher Priced Mortgage Loan Disclosure signed by Borrower(s). Loan is escrowed.    
48033900 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan fails ComplianceEase Higher priced mortgage loan test. APR Calculated 4.792% APR Threshold 4.710% Over By +0.082%. Missing Higher Priced Mortgage Loan Disclosure signed by Borrower(s). Loan is escrowed.    
48033900 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from Loan Document.    
48033900 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI Certificate is missing from Loan document.    
48033900 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects not insured.The case was cancelled and the case reinstatement was denied.    
91067191 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2021. Revised LE dated xx/xx/2021 reflects Lender Credit at $1,180.00;however, the revised CD dated xx/xx/2021 reflects Lender Credit at $735.00. This is decrease of $445.00 for fee which has 0% tolerance test.    
91067191 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed Loan origination fee test  due to inclusion of following fees.

Processing Fee paid by Borrower: $525.00
Settlement or Closing Fee paid by Borrower: $150.00
Title-Processing Fee paid by Borrower: $75.00
Title-Services Lender paid by Borrower: $60.00
Underwriting Fee paid by Borrower: $75.00
Wire Transfer Fee paid by Borrower: $10.00		    
91067191 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects following issue, insufficient entitlement. Loan uninsurable.    
2445044 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Per seller tape reflects lost PIW. However, PIW is available in loan documents, located at xx and Note modification due to city not matching docs. Modified note is available in loan documents, located at (locater## xx)    
2445044 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock provided expired on xx/xx/2021 and the loan closed on xx/xx/2021. No lock extension found.    
2445044 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
2445044 xx xx xx 8dd91e5f-7c41-4bbc-9605-c6945d322eb3 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Credit Credit Active 3: Curable * Incorrect Property address on Note Document. (Lvl 3) Incorrect property address in the note and mortgage.
As per the note and the subject mortgage recorded on xx/xx/2021 with Instrument#xx the subject property address on page #3 as “xx”.  However; as per the updated title report dated xx/xx/2021 and tax search report the address as “xx”. This can be cured by re-recording the mortgage with the correct address.		    
75003789 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows borrower was not employed at the time of closing. Tape states BWR started new job right after closing; unable to verify. Unable to rely on docs in file and unable to calc ATR.    
75003789 xx xx xx c56299d8-a56d-4ee2-ba5d-9e8408623724 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase RESPA Test Failed (Lvl 3) Loan failed the homeownership counseling organizations disclosure date test due to Loan originator received application on xx/xx/2021. However, Homeownership Document Date is xx/xx/2021 which is more than 3 Business days from xx/xx/2021.    
75003789 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Initial CD dated xx/xx/2021. Initial LE dated xx/xx/2021 reflects Appraisal Fee at $550.00. However, Initial CD dated xx/xx/2021 reflects Appraisal Fee at $1,075.00. This is fee increase of $525.00 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents.    
75003789 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
63279225 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Per tape, full appraisal report is required in TX Cash-Out Refinance.    
63279225 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal is missing from the loan file. However, TX FMV (Fair Market Value) disclosure signed by the borrower is located at 'xx'.    
63279225 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from Loan Document.    
63279225 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) A copy of Final CD is available at xx. However it is incomplete as page 3 of Final CD is missing from the loan file.    
30698867 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Delaware $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape shows Property was a less than 90 day flip so HUD would not insure loan. Subject is not showing as flip based on the appraisal in file.    
30698867 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $3,194.83 and the loan was underwritten by AUS/DU (locater## xx)  Malveaux Loan file pdf  Page#xx) and its recommendation is “Approve/Eligible” with a DTI of xx%  .    
30698867 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Delaware $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) This loan is FHA. Mortgage Insurance Certificate is missing from the loan file.    
30698867 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan failed the GSE (Fannie Mae public guidelines) QM Points and Fees Test due to Fees Charged: $9,987.87 Fees Threshold: $9,421.77 Over by +$566.10. The following fees were included in the test: Mortgage Broker Fee (Indirect) $8,843.09
Points - Loan Discount Fee paid by Borrower: $1,144.78.		    
30698867 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed FHA QM Safe Harbor Test due to APR Charged 3.783% APR Threshold  4.820%  Variance  -1.037%.

Loan failed Qualified Mortgage Lending Policy Points and Fees Test due to Fees Charged: $9,987.87 Fees Threshold: $9,421.77 Over by +$566.10. The following fees were included in the test:  
Mortgage Broker Fee (Indirect) $8,843.09
Points - Loan Discount Fee paid by Borrower: $1,144.78.

Loan failed the FHA QM Rebuttable Presumption Test due to Fees Charged: $9,987.87 Fees Threshold : $9,421.77 Over by +$566.10. The following fees were included in the test:
Mortgage Broker Fee (Indirect) $8,843.09
Points - Loan Discount Fee paid by Borrower: $1,144.78		    
30698867 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
10632746 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan was approved at xx%.Tape shows Income miscalculation pushes DTI to over xx%. Subject loan is Non-owner occupied mortgage.    
10632746 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure is missing from the loan documents.    
14924493 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
14924493 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape show property taxes used incorrectly may push the DTI to xx%. Unable to rely on docs in file and unable to calc ATR    
14924493 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $114,717.54. Calculated Finance Charge $115,188.54 for an under disclosed amount of -$471.00.  Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
14924493 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * ComplianceEase State Regulations Test Failed (Lvl 3) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.
Attorney Fee paid by Borrower: $1,750.00
Federal Express paid by Borrower: $50.00
Filed Notice of Settlement paid by Borrower: $45.00
HOA Membership Fees paid by Borrower: $538.00
One Month in Advance paid by Borrower: $538.00
Pro-Rate Dues paid by Borrower: $164.87
Recording Document Handling paid by Borrower: $10.00
Title Closing Protection Letter (CPL) paid by Borrower: $75.00
Title-Certificate of Good Standing paid by Borrower: $70.00
Title-Copies paid by Borrower: $25.00
Title-Rundown/Cover Record paid by Borrower: $40.00
Title-Tax and Assessment Searches paid by Borrower: $62.00
Title-Upper Court/Patriot name Purchase paid by Borrower: $44.00
Utility Deposit paid by Borrower: $500.00		    
13960636 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $158,484.95. Calculated Finance Charge is $158,535.44 for an under disclosed amount of $50.49.  Reason for Finance Charge under disclosure is unknown. Subject loan is a refinance, originated on xx/xx/2018 and the SOL is 3 years.    
13960636 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
  
Higher-Priced Mortgage Loan Test: FAIL      Charged: 6.785%      Allowed: 5.930%     Over by: +0.855%		    
13960636 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Final CD reflects cash to borrower as $2,000.00. Per tape, ***INCURABLE***Compliance issue - TX Rate Term No Cash Back to borrower, yet BMG permitted consummation with the borrower receiving $2,000 cash back. Current Loans. Over 16 current paystrings. Elevated for client review.    
13960636 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
13960636 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) The Affiliated Business Disclosure is missing from the loan file.    
20917692 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was (locater## xx) and total expenses are in the amount of $2,213.74 per AUS/DU (locater## xx) and its recommendation is “Approve/Eligible with xx%.”.    
20917692 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (5.229%) is exceeded APOR (4.390%) by 0.839%. The APR threshold is 4.390% and the subject loan is escrowed one.

Qualified Mortgage Safe Harbor Threshold: FAIL     Charged: 5.229%    Allowed: 4.390%    Over by: +0.839%		    
20917692 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI Certificate is missing in the loan file.    
20917692 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
  
Higher-Priced Mortgage Loan Test: FAIL      Charged: 5.229%      Allowed: 4.740%     Over by: +0.489%		    
20917692 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The Borrower's Intent to proceed is missing in loan file.    
20917692 xx xx xx 4d49e7c2-072a-4662-b43c-70f11fbadac5 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Other Disclosures Active 3: Curable * Loan officer signature missing on final HUD/VA Addendum to Uniform Residential Loan Application. Please provide a copy to satisfy this condition. (Lvl 3) Final HUD/VA Addendum to Uniform Residential Loan Application is missing in the loan file.    
20917692 xx xx xx 34ec8508-9932-4f4e-9f1b-868854cb3b54 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Other Disclosures Active 3: Curable * FHA Disclosure (Lvl 3) Evidence of Case Assignment is missing in the loan file.    
20917692 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows, Uninsurable - the loan is considered a 90 day flip. Appraisal report available in the loan file reflects the subject sold with a group of other properties to current investor on xx/xx/2020. Elevated for client review. Subject's current sales price is $xx, appraisal report dated xx/xx/2021 reflects subject had prior sale for $xx with a group of other properties to current investor on xx/xx/2020 and subject is in C3 condition (Kitchen updated one to five years ago; bathrooms not updated. The subject is in good condition and has been well maintained).    
4428595 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows,the Issue AUS case file ID is associated with a different property.    
4428595 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
98237837 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Missing valid COC for a fee increase on CD dated xx/xx/2018.  LE dated xx/xx/2018 reflects a Points - Loan Discount Fee of $3,156.00, however, CD dated xx/xx/2018 reflects the Points - Loan Discount Fee of $3,315.00.  This is a fee increase of $159.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
98237837 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as OO but per tape defect may be NOO. There is a lease agreement in file for subject but taking a conservative approach that seller defect and repurchase overrides any docs in file. Elevated for client review.    
98237837 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was (locater## xx) and total expenses are in the amount of $3,387.85 per AUS/DU (locater## xx) and its recommendation is “Accept with xx%.”.    
90376253 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $1,448.90 per AUS/DU (locater## xx) and its recommendation is “Approve/Eligible with xx%.”.    
90376253 xx xx xx b6f9224b-e74e-4cf1-a738-238dffa5df75 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Other Disclosures Active 3: Curable * VA Disclosures (Lvl 3) VA Loan Guaranty Certificate is missing in the loan file.    
90376253 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Per tape, VA loan we closed - but borrower has no VA Entitlement due to prior entitlement used and Bonus Entitlement not available at this loan amount. Elevated for client review.    
90376253 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
72700018 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right or Rescission is missing from the loan documents.    
72700018 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Required Affiliated business disclosure is missing from the loan documents.    
72700018 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue where the loan is FHA uninsurable due to reinstated of FHA Case number. However Case number was taken from the previous uninsurable loan to close the current loan. Hence Case number was canceled due to which HUD refused to reinstate the case number.    
72700018 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan has failed Charges That In Total Cannot Increase More Than 10% Test.
Comparable Fee Amount is $1,199.00 and Final Fee Amount is $1,523.24, the difference is of $324.24, which is greater than 10%.		    
72700018 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
72700018 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan has a qualified mortgage DTI of xx % the borrowers total income is $xx and the total expenses are in the amount of $2,177.60 and the loan was underwritten by AUS/DUxx and its recommendation is “Approve/Eligible” with a DTI of xx%.    
33317682 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower’s income was $xx and total expenses are in the amount of $9202.13 and the loan was underwritten by AUS/DU xx and its recommendation is "Approve/Eligible" with a DTI of xx%.    
33317682 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan documents.    
12203812 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
12203812 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal summery (1008) is missing from the loan documents.    
12203812 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was (locater## xx) and total expenses are in the amount of $4,545.33 and the loan was underwritten by AUS/DU (xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
12203812 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
81167216 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) Loan failed “Qualified Mortgage Safe Harbor Threshold Test” APR calculated is 4.506%. APR threshold is 4.280%. Over by +0.226%.    
81167216 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed Qualified Mortgage DTI Threshold Test as this loan has a qualified mortgage DTI of xx%, the Borrower income is (locater## xx) and total expenses are in the amount of $4,499.350 and the loan is under written by AUS/DU xx and its recommendation is “Approve/Eligible” with a DTI of xx%.    
81167216 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage Insurance Certificate is missing from the loan documents.    
81167216 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed Charges That Cannot Increase Test due to fee increase in the Final CD. Initial LE dated xx/xx/2021 reflects Transfer Taxes at $869.00 & Final CD dated reflects the same fee at $961.63. This is increase in fee by +$92.63. Valid COC is missing.    
81167216 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed “ComplianceEase Higher Priced Mortgage Loan Test”. APR calculated is 4.506%. APR threshold is 4.280%. Over by +0.226%. Missing Higher Priced Mortgage Loan Disclosure signed by Borrower. The loan is escrowed.    
62087972 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,239.47 and the loan was underwritten by DU (locater## xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
62087972 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock agreement is missing from loan documents.    
62087972 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2020 reflects Transfer Taxes at $943.00. However, Final CD dated xx/xx/2021 reflects the addition of Transfer Taxes at $0.99 (Paid by Lender). This is an increase of $0.99 for charges that cannot increase 0% tolerance test. Valid COC for the addition of Loan Origination Fee is missing from loan documents.    
62087972 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Revised Closing Disclosure Delivery Date test. Revised Closing Disclosure dated xx/xx/2021 is not signed by the borrower and method of delivery is Mail. However, receipt date of discloser is xx/xx/2021 which is after consummation date xx/xx/2021. Document tracker is also missing for this disclosure.    
62087972 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) This is FHA loan. However, MI certificate is missing from the loan file.    
73130802 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 1: Acceptable * Settlement date is different from note date (Lvl 1) Final CD reflects closing date as xx/xx/2020.  Borrower(s) signature date on the Mortgage/Deed of Trust is xx/xx/2020.  Note date is xx/xx/2020.    
73130802 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
31290240 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Loan closed with the property inspection wavier. However,the property inspection wavier is missing from loan documents.    
31290240 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) USDA Guaranty certificate is missing from loan documents.    
31290240 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock document is missing from the loan documents.    
31290240 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects, subject loan is Uninsurable due to loan closed with loan amount greater than the conditional commitment.    
30785693 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller defect shows, property condition is not acceptable for curative refinance. Appraisal in file is as is; property appears to be in average condition.    
2475454 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller shows non warrantable condominium property.    
2475454 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the QM points and fees test due to one of the following findings due to the loan is subject to the ability to repay requirements under Regulation Z and the points and fees exceed 3% of the total Loan amount.
Due to QM Points and Fees Inclusion, Mortgage Broker Fee (Indirect) $2,725.80, Underwriting Fee paid by Borrower: $950.00, Comparison Data is $3308.00 and their variance is +$367.80.

This loan has points and fees that exceed the points and fees threshold due to the loan amount is $99,120.00 and the transaction's total points and fees is $3,675.80, which exceeds $3,308.00.		    
2475454 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
2475454 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase test. Initial LE dated xx/xx/2021 reflects Transfer Taxes at $709.00. However, Post CD dated xx/xx/2021 reflects Transfer Fee Taxes at $1535.20 (Transfer Taxes of $709.20 Paid by Buyer and $826.00 Paid by Seller). This is an increase of $826.20 for charges that cannot increase.    
2475454 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the revised closing disclosure delivery date test (no waiting period required) due to The revised closing disclosure receipt date is xx/xx/2021 and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is xx/xx/2021, of the transaction.    
74112693 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing in loan file.    
74112693 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the Pennsylvania license validation test;
The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a
closing date before November 5th, 2008. Additionally, the Pennsylvania First Mortgage Banker License, Pennsylvania Secondary
Mortgage Loan License, Pennsylvania Unlicensed (Subordinate Lien), and Pennsylvania Exemption Letter are not available for
loans with a closing date on or after January 1st, 2009.		    
74112693 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Written List of Service Provider list is missing from the loan documents.    
74112693 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership Counselling disclosure is missing from the loan documents.    
74112693 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial Loan Estimate is missing from the loan documents.    
74112693 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Proof of Hazard Insurance is missing from the loan documents.    
74112693 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal Report is missing from the loan documents.    
74112693 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial Closing Disclosure is missing from the loan documents.    
74112693 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock agreement is missing from the loan documents.    
74112693 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) In order to qualify for a VA IRRRL, a VA loan must be seasoned for at 210 days and you must have made your mortgage payment for at least 6 consecutive months. The 210 day countdown begins from the due date of your first mortgage payment. However, seller tape reflects, VA seasoning on Refinance.    
74112693 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase TRID tolerance is not tested due to Initial LE and Initial CD is missing from loan documents.    
74112693 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial Application(1003) is missing from the loan documents.    
74112693 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Doc Issue Active 3: Curable * Missing flood cert (Lvl 3) Flood Certificate is missing from the loan documents.    
74112693 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to Proceed is missing from the loan documents.    
11554184 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock agreement is missing from loan documents.    
11554184 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller defect shows loan was closed as LP Caution by mistake and is not eligible for sale to Freddie. The borrower has made all payments on time.    
11554184 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Initial CD dated xx/xx/2021. Initial LE dated xx/xx/2021 does not reflects Points - Loan Discount Fee. However, Initial CD dated xx/xx/2021 reflects Points - Loan Discount Fee at $341.78. This is fee increase of $341.78 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents.    
41556377 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete California $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS/DU Report is missing from the loan documents.    
41556377 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) A Rate Lock Agreement signed by the Borrower is Missing from the Loan Documents.    
41556377 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Pension Income not supported for 36 months which may push DTI over xx%. Additional debts. Unable to rely on documents in file and unable to calculated ATR.    
61541081 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing in loan file.    
61541081 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock agreement is missing from loan documents.    
61541081 xx xx xx 199ed034-40ba-4073-9bb5-17d9a97bf057 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Loan program disclosure missing or unexecuted (Lvl 3) Sellers defect shows that Borrower went EPD. Unable to rely on documents in file.    
61541081 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final Closing Disclosure is signed on xx/xx/2021. However, the Note date is xx/xx/2021.    
81664090 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows, Borrower went early payment default.    
81664090 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from Loan Document.    
81664090 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) The Note reflects the Original Note Doc Date as xx/xx/2021. However, Final CD and Final Application hand signed on xx/xx/2021 which is after note date.    
61651499 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from Loan Document.    
61651499 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Guidelines Active 4: Unacceptable * Loan does not conform to program guidelines (Lvl 4) Seller Purchased property on xx/xx/2020, but on the same day, subject property was foreclosed through Sherriff and transferred to xx letter on xx(seller) redeemed the property through certificate of redemption on xx/xx/2020 (amount $xx) and then seller sold the property to Borrower xxon xx/xx/2020 (amount $xx).

The duration between the day on which seller got property rights that is xx/xx/2020 and the day on which seller sold the property to the borrower xx/xx/2020, is less than 90 days. So, it does not meet FHA guidelines for property flipping.		    
61651499 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI Certificate is missing from Loan document.    
76152193 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) This loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower income is $xx and total expenses are in the amount of $3,365.30 per AUS/DU xx and its recommendation is "Approve/Eligible with xx%."    
76152193 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI Certificate is missing from the loan documents.    
76152193 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller defect shows, appraisal was expired at the time of closing.    
62850644 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial closing disclosure is missing from the loan documents.    
62850644 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed ComplianceEase Higher priced mortgage loan test. APR Calculated 5.340% APR Threshold 4.550% Over By +0.790%. Missing Higher Priced Mortgage Loan Disclosure signed by Borrower.    
62850644 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase Trid Tolerance Test is incomplete due to Initial CD is missing from the loan documents.    
62850644 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape Shows 'Appraisal was ordered for a different case and could not be updated after the note date'. Appraisal in loan documents dated xx/xx/2021 reflects case# xx and as per note case#xx.    
62850644 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
62850644 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Final Closing Disclosure reflects monthly MIP as $116.67. However, Mortgage insurance Certificate is missing from loan documents.    
62850644 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed FHA QM Safe Harbor Test due to APR Charged 5.340% APR Threshold 5.050% Over by +0.290%.


Loan failed the Qualified Mortgage Safe Harbor Threshold due to APR Charged 5.020% APR Threshold 4.550% Over by +0.470%.		    
62850644 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
506996 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan has a qualified mortgage DTI of xx%. The borrowers total income is $xx and the total expenses are in the amount of $4,431.29 and the loan was underwritten by AUS/DU(xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
506996 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows income miscalculation and there is discrepancy over whether BWR was W2 or SE.  Unable to rely on documents in file & unable to calculate ATR.    
506996 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
49829954 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) Loan fails Qualified Mortgage Safe Harbor Threshold test APR Calculated 8.896% APR Threshold 4.970% Over By +3.926%%. HPML Signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
49829954 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan fails Compliance Ease Higher priced mortgage loan test. APR Calculated 8.896% APR Threshold 5.970% Over By +2.926% Missing Higher Priced Mortgage Loan Disclosure signed by Borrower. Subject loan is escrowed.    
49829954 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliate Business Disclosure is missing from the loan documents.    
49829954 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance Test. Initial LE dated 1/xx/217 reflects Loan Origination Fee at $0.00. However, Revised CD dated xx/xx/2017 reflects Loan Origination Fee at $4,220.00 this is an increase of +$4,220.00 for charges that cannot increase 0% Tolerance tests. . COC for increase in fee is missing from the loan documents.    
49829954 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS Report is missing from the loan documents    
49829954 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan Fails Qualified Mortgage Lending Policy Points and Fees test due to Fees charged $30,365.00 Fees threshold $27,852.17 Over By +$2,512.83
The below fees were included in the test:
Document Preparation Fee paid by Borrower: $450.00
Loan Origination Fee paid by Borrower: $4,220.00
Mortgage Broker Fee (Indirect) $23,500.00
Processing Fee paid by Borrower: $900.00
Underwriting Fee paid by Borrower: $1,295.00

This loan failed the qualified mortgage interest only test due to this loan has ARM note with Interest only period of 60 months. A qualified mortgage is a covered transaction that provides for regular periodic payments that are substantially equal, except for the effect that any interest rate change after consummation has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not allow the consumer to defer repayment of principal.		    
49829954 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
49829954 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Missing Initial Application dated xx/xx/2017  signed by the borrower.    
90881123 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges That Cannot Increase test due to fee addition in Final CD dated xx/xx/2021. Initial LE dated xx/xx/2020 reflect Appraisal report fee at $515.00. However, Final CD dated xx/xx/2021 Appraisal report fee at $575.00 Paid by lender. Valid COC for the increase in fee is missing from the loan files.    
90881123 xx xx xx b059f1da-584f-4b49-a8ec-23568206c180 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Valuation Doc Issue Active 3: Curable * Appraisal dated after closing (Lvl 3) Appraisal report date xx/xx/2021 and Final CD date xx/xx/2021. Appraisal report date after closing date.    
90881123 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller tape Appraisal expired at closing. Uninsurable FHA Loan.    
90881123 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan fails ComplianceEase Higher priced mortgage loan test. APR Calculated 5.120% APR Threshold 4.470% Over By +0.650%. Missing Higher Priced Mortgage Loan Disclosure signed by Borrower(s). Subject loan is escrowed.    
90881123 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $885.00 and the loan was underwritten by AUS/xx/ (locater## xx) and its recommendation is “Approve/Eligible” with xx%.    
90881123 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan fails Qualified Mortgage Safe Harbor Threshold test APR Calculated 5.120% APR Threshold 4.470% Over By +0.650%. Subject loan is escrowed.    
90881123 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock disclosure is missing from the loan file.    
97268861 xx xx xx 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf 561 561-3210 xx QM-TRID QC Complete Delaware $xx Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) Collateral Value used for Underwriting:  $xx. Amount of Secondary Lien(s):  $0.00. Loan Amount: $xx. LTV/CLTV = xx%.    
97268861 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock provided expired on xx/xx/2020 and the loan closed on xx/xx/2020. No lock extension found.    
97268861 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Delaware $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Final Closing Disclosure reflects monthly MIP as $178.74. However,Mortgage insurance Certificate is missing from loan documents.    
97268861 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Delaware $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the issue where the appraisal was expired at closing, due to the expiration the appraisal was re-certified which was not completed prior to closing. However the loan is FHA uninsured.    
97268861 xx xx xx 249ccfc8-8061-4638-a74f-933a4ad40fc5 561 561-3210 xx QM-TRID QC Complete Delaware $xx Credit Legal Docs Active 2: Acceptable with Warnings * Loan has escrow holdback. No proof it was released (Lvl 2) Loan has escrow holdback; final CD reflects the amount of $56,844.00. However there is no proof of release of the holdback in the loan documents.
***Seller provided proof of release for the amount held in escrow holdback*** Finding downgraded.		    
97268861 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2020 reflects Appraisal Fee at $500.00. Final CD dated xx/xx/2020 reflects Appraisal Fee at $550.00. (Appraisal Fee $50.00 paid by Lender). This is an increase of $50.00 for charges that cannot increase 0% test. COC for the increasing of Appraisal Fee is missing from the loan documents.    
26242198 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller defects shows incorrect Home Buyer Education to meet bond guidelines in the loan files.    
26242198 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase test. Initial LE dated xx/xx/2021 reflects Administration Fee at $225.00. However, Final CD dated xx/xx/2021 reflects Administration Fee at $250. This is an increase of +$25.00 for charges that cannot increase.

Loan failed charges that cannot increase test. Initial LE dated xx/xx/2021 reflects Appraisal Fee at $500.00. However, Final CD dated xx/xx/2021 reflects Appraisal Fee at $550.00. This is an increase of +$50.00 for charges that cannot increase.

Loan failed charges that cannot increase test. Initial LE dated xx/xx/2021 reflects Tax Service Fee at $22.00. However, Final CD dated xx/xx/2021 reflects Tax Service Fee at $80.00. This is an increase of +$58.00 for charges that cannot increase.		    
26242198 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) A Rate Lock Agreement signed by the borrower is missing from the loan documents.    
26242198 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,584.82 and the loan was underwritten by AUS/DU (locater## xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
26242198 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $248,330.45. Calculated Finance Charge $248,330.45 for an under disclosed amount of $248,680.45. Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
55774092 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
55774092 xx xx xx 5a8a478d-446b-4719-aa4f-0bb6e9397586 561 561-3210 xx QM-TRID QC Complete Indiana $xx Credit Credit Active 4: Unacceptable * Misrepresentation of Employment (Lvl 4) Subject approved at xx% but BWR left job right after closing, was Covid impacted and filed for FB before first payment due.  Timing does not create ATR issue but does imply potential employment misrep due to FB before first payment.    
27258539 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows tax returns do not support income. Unable to rely on documents in file and unable to calculate ATR.    
27258539 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
27258539 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) LP reflects (xx) No Appraisal, However, PIW (xx) is missing from the loan documents.    
27258539 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $4221.78. The loan was underwritten by LP (locater## xx) and its recommendation is “Accept/Eligible” with a DTI of xx%.    
43798580 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from Loan documents.    
43798580 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows defect that BWR had FC within last 7 yrs.    
86149034 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject Approved at xx%. Income was miscalculated by using prior year income instead of 2 years average income. DTI may be over xx%. Unable to rely on documents in file and unable to calculate ATR.    
86149034 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income was $xx and total expenses are in the amount of $3,017.12 and the loan was underwritten by AUS/DU (locater## xx) and its recommendation is “Approve/Eligible” with a DTI of xx%    
86149034 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed Lender Credits That Cannot Decrease Test. Initial LE dated xx/xx/2021 reflects Non-specific lender credit at $1,032.00. However, Final CD dated xx/xx/2021 does not reflects Non-specific lender credit. This is decrease of $1,032.00 for charges that cannot decrease. Valid COC for the decrease in NSLC is missing from the loan documents.    
86149034 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase test. Loan estimate dated xx/xx/2021 does not reflect Points - Loan Discount Fee. However, Final CD dated xx/xx/2021 reflects Points - Loan Discount Fee at $509.85. This is a increase in fee of $509.85 for charges that cannot increase.    
86149034 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
86149034 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * ComplianceEase State Regulations Test Failed (Lvl 3) This loan failed the prohibited fees test. Fees charged $116.00 Fees Threshold $0.00 over by $116.00
The Below fees were included in the test:
Document Preparation Fee paid by Borrower:$116.00.		    
77710309 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
77710309 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 4: Unacceptable * Loan does not conform to program guidelines (Lvl 4) Seller tape shows, the condo association does not carry a master flood insurance policy for entire building. Borrower has individual policy. Elevated for client review.    
77710309 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
77710309 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed “TILA Finance Charge Test”. Finance charge disclosed on Final CD is $179,872.48. Calculated Finance Charge is $180,822.48. The test failed for an under disclosed amount of $4950.00. Reason for Finance Charge under disclosure is unknown. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
77710309 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete New York $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) PIW is missing from the loan documents.    
77710309 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%. The borrower's income is $xx and total expenses are in the amount of $3,539.51 and the loan was underwritten by DU (xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
61509373 xx xx xx b06dde1c-905f-4404-a416-ae2c918d0fa1 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Title Policy Active 3: Curable * Missing Final Title Policy with applicable Alta endorsements. (i.e., Alta 8.1, 9) (Lvl 3) Final Title policy is missing from loan document. Title commitment is located at - xx    
61509373 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan closed with xx% LTV/CLTV. Seller tape reflects loan is 2 unit conventional max LTV by agency is xx%.    
4516849 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed “TILA Finance Charge Test”. Finance charge disclosed on Final CD is $204,789.92. Calculated Finance Charge is $204,839.92. The test failed for an under disclosed amount of $50.00. Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.    
4516849 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
8902495 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approve at xx%. Tape shows other undisclosed mortgage not included in DTI. DTI may raise to xx%. Also, Borrower purchased another property on xx/xx/2021 and did not disclose it. However, Subject loan is non-owner occupied.    
23868144 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows in VA IRRRL streamline refinance loans, there should be waiting period or gap between of 210 days first payment date of existing mortgage which is getting paid off and between closing of our new subject loans. In this loan the waiting period is not satisfied.    
23868144 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
65029770 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
65029770 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
65029770 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows Mortgage/Program Eligibility. Cannot insure. The case number on this loan belongs to loan number xx and not active at closing.    
65029770 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from the loan documents.    
76132223 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that Cannot Increase test due to fee addition in Final CD dated xx/xx/2020. Initial LE dated xx/xx/2020 does not reflect Final 442 Fee. Final CD dated xx/xx/2020 reflects Final 442 Fee at $150.00. This is an increase in fee of $150.00 for charges that cannot increase. Valid COC for the increase of Final 442 Fee is missing from the loan documents.

Loan failed charges that Cannot Increase test due to fee addition in Final CD dated xx/xx/2020. Initial LE dated xx/xx/2020 does not reflect Recording Service Fee. Final CD dated xx/xx/2020 reflects Recording Service Fee at $8.00. This is an increase in fee of $8.00 for charges that cannot increase. Valid COC for the increase of Recording Service Fee is missing from the loan documents.		    
76132223 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Doc Issues Active 1: Acceptable * Settlement date is different from note date (Lvl 1) Final CD reflects closing date as xx/xx/2020. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2020. Note date is xx/xx/2020.    
76132223 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
76132223 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows xx% LTV requires a homebuyer's education course prior to closing. Homebuyer's education course was not completed.    
55940989 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) In VA IRRRL streamline refinance loans, there should WAITING period or GAP between of 210 days First payment date of Existing mortgage which is getting paid off and between Closing of our new Subject loans. In this loan the waiting period is not satisfied as the First payment of existing mortgage xx/xx/2021 is less than 210 days from closing date of loan xx/xx/2021.    
55940989 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
55940989 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges than in total cannot increase more than 10% test. LE dated xx/xx/2020 reflects the Recording Service Fee at $0.00 Final CD dated xx/xx/2021 reflects the Recording Service Fee at $20.00 this is an increase of +$20.00 for charges that in total Cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.    
96585452 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Final CD reflects closing date as xx/xx/2020.  Borrower(s) signature date on the Mortgage/Deed of Trust is xx/xx/2020.  Note date is xx/xx/2020.    
96585452 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows Uninsured USDA. Commitment was not obtained prior to closing on this USDA streamline refinance. Unable to obtain commitment after closing. Annual Fee Monthly Premium removed from payment effective with the October 2021 payment. Upfront Guarantee Fee applied to principal balance on 06/xx/21. Monthly Premiums Remain in escrow account. Notification letter sent to borrower and delivery confirmed.    
96585452 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) GUS report is missing from the loan documents.    
96585452 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Arizona $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal Report is missing from the loan documents.    
96585452 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) USDA Guarantee Certificate is missing from the loan documents.    
96585452 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
70008155 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2020. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2020. Note date is xx/xx/2020.    
70008155 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from Loan Document.    
70008155 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Final CD reflects monthly MIP $65.49.However, MI certificate is missing from Loan Document.    
70008155 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue: Uninsured USDA. Commitment was not obtained prior to closing on this USDA streamline refinance. Unable to obtain commitment after closing. Annual Fee Monthly Premium removed from payment effective with the September 2021 payment. Upfront Guarantee Fee applied to principal balance on 12/xx/20. Monthly Premiums applied to principal balance on 03/xx/21 & 09/xx/21. Notification letter sent to borrower and delivery confirmed.    
70008155 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) PIW is missing from loan documents.    
39700961 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) This loan is FHA. Mortgage insurance certificate is missing from the loan file.    
39700961 xx xx xx d37b6b0d-52a6-40cb-8ba6-8980e85842cd 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Doc Issue Active 3: Curable * ROR Transaction date not consistent with Note and/or HUD (Lvl 3) Final CD reflects closing date as xx/xx/2020. Note date is xx/xx/2020. Notary signature date on the Mortgage/Deed of Trust is 0xx/xx/2020.  ROR was signed by Borrower on 0xx/xx/2020 with an expiry date of xx/xx/2020.    
39700961 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed Charges That Cannot Increase Test and Charges That In Total Cannot Increase More Than 10% Test due to Initial Loan Estimate issue date xx/xx/2019 and borrower signed on xx/xx/2020 which is more than 3 business days from the initial application date xx/xx/2019.    
39700961 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Initial Loan Estimate Delivery Date Test due to Initial loan estimate issue date xx/xx/2019 and borrower signed on xx/xx/2020 which is more than 3 business days.    
39700961 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $1,393.10 and the loan was underwritten by AUS/DU xx and its recommendation is “Approve/Eligible” with a DTI of xx%.    
39700961 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Un insured FHA. Underwritten using appraised value instead of purchase price for a house owned less than one year. Once corrected DU is Refer. Borrowers does not qualify for a manual underwrite.    
39700961 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) .State Required.    
69132771 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows DTI increased due to undisclosed liability. No further details provided. Unable to rely on documents in file and unable to calculate ATR.    
69132771 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $1,366.00 per AUS/DU (locater## xx) and its recommendation is "Approve/Eligible with a DTI of  xx%".    
69132771 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan documents.    
69132771 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final Closing Disclosure hand signed by borrower is missing from loan documents.    
67795049 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects, loan was re-purchased from FNMA and the reason was defect in the appraisal comparable sales, adjustments, insured.    
67795049 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Required affiliated business disclosure is missing from the loan documents.    
67795049 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
24733595 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test due to the finance charge is $133,157.77. The disclosed finance charge of $134,337.52 is not considered accurate because it is understated by more than $100. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.


This loan failed the TILA foreclosure rescission finance charge test due to the finance charge is $133,157.77. The disclosed finance charge of $134,337.52 is not considered accurate for purposes of rescission because it is understated by more than $35. Subject loan is a xx, originated on xx/xx/2021 and the SOL is 3 years.		    
24733595 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue, Loan wasn't 6 months seasoned from the modification date when the loan was refinanced. VA will not rescind the VA guaranty for this issue.    
24733595 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
24733595 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock agreement is missing from the loan documents.    
78380635 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%,the Borrower income was $xx and total expenses are in the amount of $2,590.22 and the loan was underwritten by DU (locater## xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
78380635 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
78380635 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails initial loan estimate delivery date test. Initial application dated xx/xx/2020, Initial Loan Estimate dated xx/xx/2020 delivered on xx/xx/2020 which is not delivered in 3 business days from application. Document tracker proving the Loan Estimate was delivered within 3 business days from the Initial Application date is missing from the loan documents.    
78380635 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2021. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2021. Note date is xx/xx/2021.    
78380635 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Nevada $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage Insurance certificate is missing from loan documents.    
78380635 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Nevada $xx Credit Guidelines Active 4: Unacceptable * Loan does not conform to program guidelines (Lvl 4) Tape flagged sale as violating FHA flipping rules. Subject sold xx/xx/20 for $120,000 and flipped property to BWR for $xx on xx/xx/21 with no noted material repairs. Elevated for client review.    
78380635 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan fails Charges that cannot increase 0% Tolerance test and Charges that in total cannot increase test due to loan fails initial loan estimate delivery date test. Initial application dated xx/xx/2020, Initial Loan Estimate dated xx/xx/2020 delivered on xx/xx/2020 which is not delivered in 3 business days from application. Document tracker proving the Loan Estimate was delivered within 3 business days from the Initial Application date is missing from the loan documents.    
5751716 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
5751716 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS/DU Report is missing from the loan documents.    
5751716 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
5751716 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application is missing from the loan documents.    
5751716 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final closing disclosure is missing from the loan documents.    
20804572 xx xx xx 50a8f171-1bbd-41a1-8281-6ef5904bb2ac 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer is missing from the loan documents.    
20804572 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial CD is missing from the loan documents.    
20804572 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final CD is missing from the loan documents.    
20804572 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan documents.    
20804572 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
20804572 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * Missing flood cert (Lvl 3) Flood certificate is missing from the loan documents.    
20804572 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete California $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal summary (1008) is missing from the loan documents.    
20804572 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliate business disclosure is missing from the loan documents.    
20804572 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
20804572 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application is missing from the loan documents.    
20804572 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership counseling disclosure is missing from the loan documents.    
20804572 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial LE is missing from the loan documents.    
20804572 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete California $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS report is missing from the loan documents.    
20804572 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from the loan documents.    
20804572 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard insurance certificate is missing from the loan documents.    
20804572 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) List of service providers is missing from the loan documents.    
20804572 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final application is missing from the loan documents.    
28828121 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan has failed Charges That Cannot Increase Test, because Initial LE dated xx/xx/2017 shows Verification Fee at $0.00, however Final CD dated xx/xx/2017 shows Verification Fee at $35.00. This is a fee increase of $35.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
28828121 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects. Appraisal issue: Comparable sale(a) two and three were considered inappropriate, the appraiser must describe the differences, consider these factors in the market value, and provide an explanation justifying the use of the comparable(a). Appraisers must use comparable sales that are the most locationally and physically similar to the subject property    
28828121 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing rate lock agreement from the loan file.    
28828121 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan has failed Revised Closing Disclosure Delivery Date Test (Waiting Period Required).    
28828121 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
51354483 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit disclosure is missing from the loan file.    
51354483 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $5,067.43 and the loan was underwritten by LP (locater## xx) and its recommendation is “Accept/Eligible” with xx%.    
51354483 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller tape shows adding missing auto debt may push DTI over xx%. Unable to rely on docs in file and unable to calc ATR    
51354483 xx xx xx ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * LE/CD Issue date test Fail (Lvl 3) Loan fails Compliance Ease delivery and timing test for Revised Closing Disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is after the Consummation date xx/xx/2020.    
51354483 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan document.    
51354483 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Illinois $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan document.    
51354483 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Initial CD dated xx/xx/2020. Initial LE dated xx/xx/2020 reflect Points - Loan Discount Fee at $622.00, However, Initial CD dated xx/xx/2020 reflect Points - Loan Discount Fee at $833.00 This is fee increase of $211.00 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents.    
51354483 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan Fails Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $7,275.50 Fees threshold $7,225.42 Over By +$50.08.

The below fees were included in the test:

Mortgage Broker Fee (Indirect): $5,467.50
Points - Loan Discount Fee paid by Borrower: $833.00
Underwriting Fee paid by Borrower: $975.00		    
51354483 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan Fails GSE (Fannie Mae public guidelines) QM Points and Fees Test due to Fees charged $7,275.50 Fees threshold $7,225.42 Over By +$50.08.

The below fees were included in the test:
Mortgage Broker Fee (Indirect): $5,467.50
Points - Loan Discount Fee paid by Borrower: $833.00
Underwriting Fee paid by Borrower: $975.00		    
49969247 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).		    
49969247 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) 1. This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased total in the amount of $134.75 on final CD dated xx/xx/2020. Provided revised LE dated xx/xx/2020 reflects the Loan Discount Points Fee as $0.00, however, the final CD reflected it as $134.75. There is a total fee increased of $134.75 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.

2. This loan failed the lender credit that cannot decrease test. Missing valid COC for a Non-specific Lender Credit decreased in the amount of $531.30 on final CD dated xx/xx/2020.		    
49969247 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE Risk indicator is "Moderate" since this loan has points and fees that exceed the points and fees threshold. The loan amount is $109,898.00 or more, and the transaction's total points and fees is $5,797.25, which exceeds 3 percent of the total loan amount of $190,977.25.    
49969247 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower’s income is $xx and total expenses are in the amount of $3,014.15 and the loan was underwritten by AUS/DU (locater## xx) & its recommendation is “Refer with Caution”.    
49969247 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
49969247 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Tape shows DTI miscalculation may push DTI over xx%. Unable to rely on the provided documents in the loan file.    
49969247 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) An executed copy of Notice of Servicing Transfer disclosure is missing from the loan file.    
80976084 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Missouri $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $1,900.00 per AUS/DU (locater## xx) and its recommendation is “Approve/Eligible with xx%.”.    
80976084 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Missouri $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows, Interest rate is too high to sale to FNMA or FHLMC.    
80976084 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Missouri $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
20867613 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows taxes incorrect and may push DTI over xx%. Unable to rely on docs in file and unable to calc ATR.    
20867613 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails Compliance Ease delivery and timing test for Closing Disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is after the Consummation date xx/xx/2020.    
20867613 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower income was $xx and total expenses are in the amount of $5,045.55 and the loan was underwritten by DU (locater## xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
20867613 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Illinois $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan documents.    
13763071 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows loan closed after expiration of credit report. Unable to obtain credit report to resolve. LP was invalidated due to credit expiration.    
13763071 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
13763071 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) PIW (Property Inspection Waiver) is missing from the loan documents.    
13763071 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed TRID tolerance test charges that cannot increase 0% and charges that in total cannot increase more than 10% test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2020 which is digitally received on xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.    
9825530 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan document.    
9825530 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan has failed Charges That Cannot Increase Test, because Initial LE dated xx/xx/2020 shows Rate Lock Extension Fee at $0.00, however Final CD dated xx/xx/2020 shows Rate Lock Extension Fee at $363.75. This is a fee increase of $363.75 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
9825530 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows that the borrower was not employed at the time of closing. Unable to rely on documents in file and unable to calculate ATR.    
9825530 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan has failed Revised Closing Disclosure Delivery Date Test (Waiting Period Required).    
9825530 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
  
Higher-Priced Mortgage Loan Test: FAIL      Charged: 5.674%      Allowed: 4.920%     Over by: +0.754%		    
9825530 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (5.674%) is exceeded APOR (4.920%) by 0.754%. The APR threshold is 4.920% and the subject loan is escrowed one.

Qualified Mortgage Safe Harbor Threshold: FAIL     Charged: 5.674%    Allowed: 4.920%    Over by: +0.754%		    
9825530 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
58240628 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at 31.033%. Tape shows undisclosed liability, Borrower closed on additional mortgage right before our closing. Unable to rely on docs in file and unable to calc ATR.    
58240628 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan has failed Charges That Cannot Increase Test, because Initial LE dated xx/xx/2020 shows Points - Loan Discount Fee at $144.00, however Final CD dated xx/xx/2020 shows Points - Loan Discount Fee at $144.15. This is a fee increase of $0.15 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.

This loan has failed Charges That In Total Cannot Increase More Than 10% Test.
Recording Fee was disclosed at $60.00 on Initial CD and it was disclosed at $90.00 on final CD, the difference is of $30.00, which is greater than 10%.		    
58240628 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower.    
58240628 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
58186391 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in charges that cannot increase test due to increase of fee in Revised CD dated xx/xx/2021. Initial LE dated xx/xx/2021 does not reflects Transfer Tax Fee. However, Final CD dated xx/xx/2021 reflects Transfer Taxes at $42.50. This is a fee increase of $42.50 for 0% tolerance fee test. COC for the increase in Transfer taxes is missing from the loan documents.    
58186391 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
58186391 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape shows revised DU came back as approve/ineligible and unsalable to FNMA. Details not provided. Unable to rely on docs in file and unable to calc ATR.    
69664106 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan has failed Charges That Cannot Increase Test, because Initial LE dated xx/xx/2020 shows Points - Loan Discount Fee at $0.00, however Final CD dated xx/xx/2020 shows Points - Loan Discount Fee at $2,460.00. This is a fee increase of $2,460.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.

This loan has failed Charges That In Total Cannot Increase More Than 10% Test.
Recording Fee was disclosed on initial LE at $300.00 and it was disclosed at $334.00 on PCCD. The difference is of $34.00, which is greater than 10%.		    
69664106 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The loan was paid off and then reversed on same day. - Mortgage Payment history with Specialized Loan Services that reflected one 30-day late and two 60-day late payments on a cash-out loan. Unallowed per guidelines.    
69664106 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Ohio $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home is affixed. According to the appraisal report (located- xx) dated xx/xx/2020, the subject property type is Manufactured Home with serial# xx. Final title policy is missing from the loan file. Manufactured home rider is attached with recorded mortgage (xx) and also affidavit of affixation (xx) reflects home is affixed with permanently to the land.    
69664106 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
69664106 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $1,211.90 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with xx%.    
92239572 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the provided LP ran after closing the loan and lost the appraisal waiver.    
92239572 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).		    
92239572 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased total in the amount of $38.30 on final CD dated xx/xx/2020.
Provided initial LE dated xx/xx/2020 reflects the Credit Report Fee as $45.00, however, the final CD reflected it as $83.80. There is a total fee increased of $38.30 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.		    
92239572 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
92239572 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) A copy of Appraisal Report at origination is missing from loan file.    
25091716 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject Approved at xx%. Tape shows borrower's employment changed to self-employed. Unable to rely on documents in the file and unable to calculate ATR.    
946922 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows BWR switched jobs before closing and new income not verified. Unable to rely on docs in file and unable to calc ATR.    
946922 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
63933706 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows DU findings were not run correctly. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
63933706 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan approved at xx%. Loan closed with Home Ready. However, Seller tape reflects findings were not run correctly, seller identified months after purchased and when satisfied then their internal policy were changed and it was too late.    
63933706 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
63933706 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from loan documents.    
78480942 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller defects show that second appraisal is not completed before approval/closing as a result loan is un-insured.    
78480942 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID violation in Charges That Cannot Increase Test due to fee addition in Initial Closing Disclosure dated xx/xx/2020. Initial LE dated xx/xx/2020 reflects Transfer taxes in the amount of $1,768.00. The same fee increase in the Initial Closing Disclosure dated xx/xx/2020 to $3,844.17. This is a fee addition of $2,076.17 paid by seller and Initial LE dated xx/xx/2020 does not reflects Points- Loan discount fee. However, Initial Closing Disclosure dated xx/xx/2020 reflects Points- Loan discount fee at $1,448.87. This is a fee addition of $1,448.87.    
78480942 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to Proceed is missing from the loan documents.    
78480942 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance document is missing from the loan documents.    
78480942 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $2,504.62  and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
41106066 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows uninsured VA Loan in VA IRRRL streamline refinance loans. Seasoning requirement of 210 days was not met. As a result loan is uninsured.    
41106066 xx xx xx c3e6361e-df5f-4c53-9b34-b137e5a1b580 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Credit Active 3: Curable * LTV / CLTV > 100% (Lvl 3) Collateral value used for underwriting: $xx. Loan amount: $xx  LTV/CLTV=xx%.    
41106066 xx xx xx de921509-820b-4afe-96bf-8574498266dc 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Credit Active 3: Curable * Appraised value is less than loan amt. (Lvl 3) Final CD reflects appraised value as $xx which is less than loan amount $xx.    
41106066 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock agreement is missing from the loan documents.    
67120216 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) The Affiliated Business Disclosure is missing from the loan file.    
67120216 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Credit Active 2: Acceptable with Warnings * DSCR is less than 1.00 (Lvl 2) Unable to calculate DSCR Ratio due to Form 1007 & Form 216 is missing in the appraisal report.    
67120216 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) This is an investment loan however Form 1007 & Form 216 are missing from the appraisal report.    
67120216 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
67120216 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan is NOO. Subject approved at xx%. Tape shows multiple underwriting errors on subject loan.    
12238277 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. Tape shows income and assets misrep. Further details not available. Unable to rely on docs in file and unable to calc ATR.    
12238277 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan documents.    
12238277 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $2,915.32 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
12238277 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issues: Origination date and first payment date are not the same. Tape shows xx/xx/2018 as origination date. However, note and mortgage reflects closing date as xx/xx/2018.    
12238277 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit disclosure is missing from the loan documents.    
48777628 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $4,821.89 and the loan was underwritten by AUS/DU (locator# xx) & its recommendation is “Approve/Eligible” and DTI is showing in it as xx%.    
48777628 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
48777628 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).

3. This loan failed the TRID disclosure dates and personal delivery validation test. This loan contains a  Revised Closing Disclosure Receipt Date (xx/xx/2018) that is after the Revised Closing Disclosure Delivery Date (xx/xx/2018). However, the method of delivery is marked as "Personal."		    
48777628 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) An executed copy of Notice of Servicing Transfer disclosure is missing from the loan file.    
48777628 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE Risk indicator is "Moderate" since this loan has points and fees that exceed the points and fees threshold. The loan amount is $xx or more, and the transaction's total points and fees is $20,050.00, which exceeds 3% of the total loan amount of $516,405.44.    
48777628 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided seller’s tape shows an alert that comparable sales one, two, three, and four were considered inappropriate as they were located in areas with predominantly single family residences while the subject was zoned for light industrial, was adjacent to a non-residential property, and located in an area with a mixture of light industrial, commercial and residential uses without adequate explanation as to why the comparable were used. Similar, more appropriate sales were available.    
48777628 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
48777628 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $4,900.00 on final CD dated xx/xx/2018. There is a total fee increased of $4,900.00 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.    
99017741 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to decrease in lender credit on closing disclosure dated xx/xx/2019. Revised CD dated xx/xx/2019 reflects lender credit at $5,787.77. However, Initial LE dated xx/xx/2019 reflects lender credit at $7,833.00. This is decrease of -$2,045.23 for fee which has 0% tolerance test.    
99017741 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. Tape shows DTI miscalculation and BWR was short to close $55,923.00. Unable to rely on docs in file and unable to calc ATR.    
99017741 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) This loan has a qualified mortgage DTI of xx% as the borrower’s income was $xx and total expenses are in the amount of $3,769.32 and the loan was underwritten by LP (locator# xx) and its recommendation is “Accept/Eligible” with xx%.    
99017741 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan documents.    
99017741 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects, Liabilities- credit report ID#xx was used to approve subject loan. Seller credit report on file is credit ID # xx dated June 24, 2019 and > 120 days at time of subject loan closing, October 28, 2019. File credit report is a dated document therefore required credit evaluation is incomplete.    
40779976 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income was $xx and total expenses are in the amount of $2817.01 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with XX%.    
40779976 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at XX%. Tape shows Borrower was not employed at closing. Unable to rely on docs in file and unable to calc ATR.    
40779976 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) PIW disclosure is missing from the loan documents.    
40779976 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit disclosure is missing from the loan file.    
40779976 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
89903693 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approved at XX%. Tape shows Co-borrower was not employed at closing. However, subject property is non owner occupied.    
89903693 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
30451713 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at XX%. Tape shows BWR was not employed at closing. Unable to rely on docs in file and unable to calc ATR.    
30451713 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) This loan failed the initial closing disclosure delivery date test. The initial closing disclosure delivery date is xx/xx/2019 which is less than six business days before the consummation date(xx/xx/2019).    
30451713 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan documents.    
55934352 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of  
$766.99 and the loan was underwritten by LP locator# xxand its recommendation is “ACCEPT” with a DTI of xx%.		    
55934352 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%, Seller defect shows debts not paid at closing may push DTI over xx%. Unable to rely on docs in file and unable to calc ATR.    
48943904 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows that inappropriate comparable sales were selected due to location and dissimilar comparable sales with respect to age were used. Also, the Appraised value is outside adjusted sales price range.    
48943904 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $1,837.37 and the loan was underwritten by AUS/DU xx and its recommendation is “Approve/Eligible” with a DTI of xx%.    
48943904 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
67913471 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete Utah $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final Application is missing from the loan documents.    
67913471 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Utah $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
67913471 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial CD is missing from the loan documents.    
67913471 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx QM-TRID QC Complete Utah $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing flood cert (Lvl 2) Flood Certificate is missing from the loan documents.    
67913471 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase TRID Tolerance Test is Incomplete due to Initial LE and Initial CD are missing from the loan documents.    
67913471 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Utah $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) 1008 is missing from the loan documents.    
67913471 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of Servicing transfer is missing from the loan documents.    
67913471 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
67913471 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial LE is missing from the loan documents.    
67913471 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Utah $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal Report is missing from the loan documents.    
67913471 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated Business Disclosure is missing from the loan documents.    
67913471 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Homeownership Counseling Disclosure is missing from the loan documents.

SSPL is missing from the loan documents.		    
67913471 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Utah $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial Application is missing from the loan documents.    
67913471 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete Utah $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Tape shows property is a condo hotel which may not have regular rental activity. Appraisal missing from file. Elevated for client review.    
63827725 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%. The borrower's total income is $xx and total expenses are in the amount of $4,276.51. The loan was underwritten by AUS/LPxx and its recommendation is “Accept/Eligible” with xx%.    
63827725 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
63827725 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home Loan Toolkit is missing from the loan documents.    
63827725 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx% Seller tape shows, income was miscalculated and total monthly obligations were not documented properly which may push DTI higher. Unable to rely on docs in file and unable to calc ATR.    
19116003 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $3,325.85 per AUS/DU (locator# xx) and its recommendation is “Approve/Eligible with xx%.”.    
19116003 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape income miscalculation and missing debts. Unable to rely on docs in file and unable to calc ATR.    
19116003 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
61063321 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
61063321 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows missing rental income verification. Unable to rely on available documents and unable calculate ATR.    
61063321 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
61063321 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Property inspection waiver (PIW) is missing from the loan documents.    
61063321 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Compliance Ease delivery date test for initial Closing Disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is less than 3 business days from Consummation date xx/xx/2020.    
61063321 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan fails charges that cannot increase test due to fee addition in final Closing Disclosure dated xx/xx/2020. Initial LE dated xx/xx/2020 does not reflects Points - Loan Discount Fee and Property Condition Report. However, final CD dated xx/xx/2020 reflects Points - Loan Discount Fee at $115.44 and Property Condition Report at $150.00. This is an increase of $265.44 for charges that cannot increase. Valid COC is missing from the loan documents.    
42208224 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan approved at xx%. Tape shows borrower was not employed at closing. Included additional liabilities may push DTI higher. Unable to rely on docs in file and unable to calc ATR.    
42208224 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
42208224 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2019 does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/2019 reflects the addition of Points - Loan Discount Fee at $3,270.40. This is an increase of $3,270.40 for charges that cannot increase 0% test.   Loan failed charges that cannot decrease test. Revised LE dated xx/xx/2019 reflects Non-specific lender credit at $1,995.00. However, Final CD dated xx/xx/2019 reflects Non-specific lender credit at $0.00. This is decrease of $1,995.00 for charges that cannot decrease. Valid COC for the decrease in NSLC is missing from the loan documents.    
66263318 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
66263318 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows, borrower was employed by Superior Energy Services and income from this employment was included in the DTI calculation. However, borrower was not employed at closing which may push DTI higher. Unable to rely on docs in file and unable to calc ATR.    
56594832 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $30.00 on final CD dated xx/xx/2020. There is a total fee increased of $30.00 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.    
56594832 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) The subject loan approved at the DTI of xx% at origination. The provided Seller’s tape is showing an alert that  the borrower's income was misrepresented at origination that may push DTI to xx%. Further details are not provided to confirm the same. Unable to rely on the provided documents in the loan file.    
56594832 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
56594832 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE Risk indicator is "Moderate" since this loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $30.00 on final CD dated xx/xx/2020. There is a total fee increased of $30.00 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.    
56594832 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).

3. This loan failed the TRID disclosure dates and personal delivery validation test. This loan contains a  Revised Closing Disclosure Receipt Date (xx/xx/2020) that is after the Revised Closing Disclosure Delivery Date (xx/xx/2020). However, the method of delivery is marked as "Personal."		    
61021693 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape shows missed auto loan may push DTI to xx%. Unable to rely on documents in file and unable to calculate ATR.    
61021693 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $1,535.02 and the loan was underwritten by LP (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
61021693 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final Application (1003) is missing from loan documents.    
61021693 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Right of Rescission missing or unexecuted (Lvl 3) Right of rescission is missing from loan documents.    
61021693 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final closing disclosure is missing from loan documents.    
61021693 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan documents.    
37133085 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The loan was closed using an exterior only appraisal (2055). However, seller tape shows that the loan was paid off by seller, which was not owned by Fannie Mae. Hence the loan should be closed using interior/exterior appraisal (1004).    
37133085 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
68546814 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges than in total cannot increase more than 10% test. LE dated xx/xx/2021 reflects the sum of Section C and Recording fees at $2,183.00. Final CD dated xx/xx/2021 reflects the sum of Section C and Recording fee at $2,136.20. This is an increase of $46.80 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.

Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2021 reflect Transfer Taxes Fee at $797.00. Final CD dated xx/xx/2021 reflects Transfer Taxes Fee at $1,957.52. This is a fee increase of $1,160.52 for 0% tolerance fee test. Valid COC for the increase in Transfer taxes is missing from the loan documents.		    
68546814 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
68546814 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows loan is non-saleable. APR increased over 0.125% due to TRID violation.    
68546814 xx xx xx ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * LE/CD Issue date test Fail (Lvl 3) This Loan Failed Revised Closing Disclosure Delivery waiting period Test due to Changes before consummation requiring a new waiting period. APR becomes inaccurate.    
68546814 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
50895720 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
50895720 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) An executed copy of Affiliated Business disclosure is missing from the loan file.    
50895720 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject property type is Condominium & did not meet presale requirement at the time of closing; one presale requirement was met, FNMA had a Covid overlay that would not permit sale when Note was exceeded for 180 Days.    
50895720 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).

3. This loan failed the TRID disclosure dates and personal delivery validation test. This loan contains a  Revised Closing Disclosure Receipt Date (xx/xx/2020) that is after the Revised Closing Disclosure Delivery Date (xx/xx/2020). However, the method of delivery is marked as "Personal."		    
50895720 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) 1. This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $2,243.04 on final CD dated xx/xx/2020. There is a total fee increased of $2,243.04 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.

2. This loan failed the charges that in total cannot increase more than 10% test. Missing valid COC for a total fees increased of $285.10 on final CD dated xx/xx/2020.
Provided final CD reflects the cumulative Fees in B section increased of 87.263% with the amount of $285.10 in Creditor's Providers Fees which exceeded the 10% tolerance for Creditor's Providers fees and a valid COC is required.		    
50895720 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. The finance charge is $350,369.70. The disclosed finance charge of $350,219.70 is not considered accurate because it is understated by more than $100. Subject loan is a purchase, originated on xx/xx/2020 and the SOL is 1 year.    
3765844 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing flood cert (Lvl 2) Flood Insurance is missing from the loan documents.    
3765844 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file    
3765844 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final closing disclosure is missing from the loan documents.    
3765844 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing proof of hazard insurance (Lvl 2) Proof of Hazard insurance disclosure is missing from the loan documents.    
3765844 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial Closing disclosure is missing from the loan documents.    
3765844 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed disclosure is missing from the loan documents.    
3765844 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial Loan Estimate is missing from the loan documents.    
3765844 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required State Disclosures (Lvl 3) Home Loan toolkit is missing from the loan documents.
Service provider list is missing from the loan documents.		    
3765844 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete California $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal summery is missing from the loan documents.    
3765844 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final application (1003) is missing from the loan documents.    
3765844 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
3765844 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership counselling disclosure is missing from the loan documents.    
3765844 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete California $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS/DU Report is missing from the loan documents.    
3765844 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business Disclosure is missing from the loan documents.    
3765844 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Service provider list is missing from the loan documents.    
3765844 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial Application (1003) is missing from the loan documents.    
33916870 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
33916870 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased total in the amount of $591.80 on final CD dated xx/xx/2020.
Provided initial LE dated xx/xx/2020 reflects the  Transfer Taxes as $0.00, however, the final CD reflected it as $591.80. There is a total fee increased of $591.80 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.		    
33916870 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower’s income is $xx and total expenses are in the amount of $4,765.42 and the loan was underwritten by AUS/DU(locator# xx)& its recommendation is “Approve/Eligible” and DTI is showing in it as xx%.    
33916870 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.

Higher-Priced Mortgage Loan Test: FAIL      Charged: 5.432%      Allowed: 5.010%      Over by: +0.422%		    
33916870 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
33916870 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the MI was never done, no MI.    
33916870 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE Risk indicator is "Moderate" due to following factors:

1. This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (5.432%) is exceeded APOR (5.010%) by 0.422%. The APR threshold is 5.010% and the subject loan is escrowed one.
 
Qualified Mortgage Safe Harbor Threshold Test: FAIL      Charged: 5.432%      Allowed: 5.010%      Over by: +0.422%

2. This loan has points and fees that exceed the points and fees threshold. The loan amount is $109,898.00 or more, and the transaction's total points and fees is $16,077.60, which exceeds 3 percent of the total loan amount of $503,270.34.		    
33916870 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).		    
48840904 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
  
Higher-Priced Mortgage Loan Test: FAIL      Charged: 6.172%      Allowed: 4.790%     Over by: +1.382%		    
48840904 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (6.172%) is exceeded APOR (4.790%) by 1.382%. The APR threshold is 4.790% and the subject loan is escrowed one.

Qualified Mortgage Safe Harbor Threshold: FAIL     Charged: 6.172%    Allowed: 4.790%    Over by: +1.382%		    
48840904 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects, Disclosed Flaw :: No MI. However MI Cert is available in the loan file (locator# xx).    
22621421 xx xx xx c56299d8-a56d-4ee2-ba5d-9e8408623724 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase RESPA Test Failed (Lvl 3) This loan failed the homeownership counseling organizations disclosure date test. The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date.    
22621421 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the charges that in total cannot increase more than 10% test due to the initial loan estimate delivery date is later than the third business day after the creditor or broker receives the consumer's written application.    
22621421 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the initial loan estimate delivery date test. The initial loan estimate delivery date is later than the third business day after the creditor or broker receives the consumer's written application.    
22621421 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Per Tape, TX 50(A)(6) Loan closed with a PIW, however TX(a)(6) loans require a full appraisal. TX FMV disclosure is available in the loan file (locator# xx).    
22621421 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that cannot increase test due to the initial loan estimate delivery date is later than the third business day after the creditor or broker receives the consumer's written application.    
22621421 xx xx xx 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Compliance Testing (Lvl 3) This loan failed the written list of service provider's disclosure date test. The loan has a written list of service providers disclosure date that is not within three business days of the loan originator's application date.    
97650601 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows Asset depletion program must be <57 years old to meet guidelines.    
97650601 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) The loan has a qualified mortgage  DTI of xx%, the borrower's total income was $6,721.00 and the total expenses are in the amount of $4,526.13 and the loan was underwritten by AUS/LP (locator# xx) and its recommendation is “Ineligible/Caution” with a DTI of xx%.    
71735499 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $1,167.06 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
71735499 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows value used instead of original sales price is not insured. However, subject loan is refinance with appraised value of $xx.    
71735499 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) This loan is FHA. Mortgage insurance certificate is missing from the loan file.    
71735499 xx xx xx ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Compliance Compliance Active 3: Curable * LE/CD Issue date test Fail (Lvl 3) Final closing disclosure reflects closing date as xx/xx/2020. However, Final closing disclosure was hand dated by borrower on xx/xx/2020.    
83820438 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $1,240.41 per AUS/DU (locator# xx) and its recommendation is “Approve/Eligible with xx%.”.    
83820438 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Addition of debts may push DTI upto xx%. Unable to rely on docs in file and unable to calc ATR.    
83820438 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
69343517 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $3,852.41 and the loan was underwritten by LP (xx) and its recommendation is “Accept” with a DTI of xx%.    
69343517 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the TRID disclosure dates and method of delivery validation test due to revised CD dated xx/xx/2021 has receipt date xx/xx/2021 which is after the consummation date xx/xx/2021.    
69343517 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Transmittal summary (1008) reflects no appraisal. However, required PIW is missing from loan documents.    
89835441 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows, after closing it was discovered that the condo building doesn't have enough coverage.    
56717607 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) DSCR ratio is less than 1 due values required to be filled from operating income statement is missing from the loan documents.    
56717607 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows lost the PIW after closing when AUS reran to add additional property being refinanced that was not included in underwriting.    
58830343 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower’s income is $xx and total expenses are in the amount of $2,444.31 and the loan was underwritten by AUS/DU (locator# xx) & its recommendation is “Approve/Eligible” and DTI is showing in it as xx%.    
58830343 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan is uninsurable since the borrower has no VA entitlement.    
67577608 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
67577608 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Per Tape, PIW not permitted on TX 50(a)(6). Appraisal dated before Note date is not available in the loan file. TX FMV disclosure is available in the loan file (locator# xx)    
29877255 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
29877255 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges than in total cannot increase more than 10% test. LE dated xx/xx/2021 reflects the sum of Section C and Recording fees at $768.00. Final CD dated xx/xx/2021 reflects the sum of Section C and Recording fee at $1,253.00. This is an increase of $408.20 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.    
29877255 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape shows VA IRRRL Seasoning requirements was not met. However, the first payment date was on xx/xx/2021 and the earliest closing date would be xx/xx/2021. This loan was closed on xx/xx/2021.    
99672127 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the provided PIW was lost when loan is changed to Cash Out & the  LTV for PIW is exceeded.    
99672127 xx xx xx 7d1abfcb-51b6-469e-bba0-2acdd6cf66a9 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Valuation Doc Issue Active 4: Unacceptable * Appraisal not signed (Lvl 4) The subject loan is a TX A(6) with LTV of 73%. A copy of appraisal at origination is missing from the loan file; however, a copy of Property Inspection Waiver (PIW) is in the loan file (locator# xx). A copy of Fair Market Value (FMV) disclosure is missing from the loan file.    
56707439 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows Calculated rate spread of 2.612% does not meet revised QM eligibility.    
56707439 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Final CD dated xx/xx/2021. Initial LE dated xx/xx/2021 reflects Transfer Taxes Fee at $3,301.00. However, Final CD dated xx/xx/2021 reflects Transfer Taxes Fee at $3,324.00. This is fee increase of $23.00 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents.    
56707439 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor Threshold test APR Calculated 5.515% APR Threshold 4.420% Over By +1.095%. Subject loan is escrowed.

Loan failed Qualified Mortgage APR Threshold test. APR Calculated 5.515% APR Threshold 5.170% Over By +0.345%. Subject loan is escrowed.		    
56707439 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Loan failed TILA Finance Charge test due to finance charge disclosed on Final CD as $254,819.75. Calculated Finance Charge $255,065.85 for an under disclosed amount of $246.10. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
56707439 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed ComplianceEase Higher priced mortgage loan test. APR Calculated 5.532% APR Threshold 4.420% Over By +1.112%. Missing Higher Priced Mortgage Loan Disclosure signed by Borrower(s). Subject loan is escrowed.    
56707439 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
29174250 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed “ComplianceEase Higher priced mortgage loan test”. APR Calculated: 4.850%. APR Threshold: 4.550%. Over by +0.300%. Missing Higher Priced Mortgage Loan Disclosure signed by Borrower. The loan is escrowed.    
29174250 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed “Qualified Mortgage Safe Harbor Threshold test” APR Calculated: 4.850%. APR Threshold: 4.550%. Over by +0.300%.    
29174250 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home Loan Toolkit is missing from loan documents.    
29174250 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of . The borrower's income is $xx and total expenses are in the amount of $1,977.48 and the loan is underwritten by AUS/DU(locator# xx) and its recommendation is “Approve/Eligible” with a DTI of .    
29174250 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from loan documents.    
29174250 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed 'Charges That Cannot Increase Test' due to fee addition in the Final CD dated xx/xx/2020. Initial LE does not reflect following fees:
1. Loan Origination Fee: +$2,413.00
2. Tax Service Fee: +$80.00
3. Compliance Audit / Quality Control Fee: +$225.00
4. Funding, Wire, or Disbursement Fee: +$400.00
Also, Initial LE reflects Appraisal Fee at $475.00. However, the same fee is increased in the Final CD to $525.00. Overall, this is fee increase of 3,168.00 in the Final CD dated xx/xx/2020.		    
29174250 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows, loan is unsolvable due to Manufactured Home Rider is not received in time to meet FHLMC age guidelines.    
29174250 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Arizona $xx Valuation Property Active 4: Unacceptable * Property is Manufactured Housing (Lvl 4) Home has not been affixed.  However, the Affidavit of Affixation is not available in the loan file. The final title policy is missing from the loan file. The VIN# is not available in the legal description of the recorded mortgage. Hence, it is unable to determine whether the home has been attached to the permanent foundation. Rider in file does not have MH terms.    
62238501 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $3,823.49 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
62238501 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan documents.    
62238501 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed Compliance Ease delivery and timing test due to Initial Closing Disclosure dated xx/xx/2021. Initial Closing Disclosure dated xx/xx/2021 and Borrower receipt date is xx/xx/2021 which is after consummation Date that is xx/xx/2021.    
62238501 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2020 does not reflect Points - Loan Discount Fee. Post-Consummation Revised CD dated xx/xx/2021 reflects the addition of Points - Loan Discount Fee at $3,033.75. This is an increase of $3,033.75 for charges that cannot increase 0% test. However, COC for the addition of the Points - Loan Discount Fee is missing from the loan documents.    
62238501 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Utah $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows loan is unsolvable due to the age of the BK dismissal, FICO/LTV and assets do not fit a manual u/w and the extenuating circumstances are not strong.    
36288384 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing in loan life.    
36288384 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows Loan is unsolvable due to not meeting GNMA seasoning requirements under the loan file.    
36288384 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Final closing disclosure reflects monthly MIP as 224.33. However, Mortgage Insurance certificate is missing from the loan documents.    
36288384 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock agreement is missing from the loan documents.    
36288384 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Maryland $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
68805688 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
68805688 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approved at xx%. Seller tape shows loan is short funds to close. Unable to rely on available documents and unable to calculate ATR.    
99368373 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows borrower lost their job prior closing. No further details are available. Unable to rely on documents in file and unable to calculate ATR.    
99368373 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Utah $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard Insurance policy is missing from the loan documents.    
99368373 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock agreement signed by borrower is missing from the loan documents.    
47745887 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,309.94. However, subject loan is VA Streamline Refinance AUS/DU is not applicable.    
47745887 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Oregon $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows uninsured VA loan, Seller did not drop rate by required 0.5 points when we refinanced original. Borrower does not want to refinance again. No late payments. Seller did another appraisal on xx/xx/2020 and value was at $xx.    
47745887 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final closing disclosure is missing from loan documents.    
8504551 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 4: Unacceptable * Loan does not conform to program guidelines (Lvl 4) Tape shows subject condo reserves do not meet GSE guidelines. Further details not provided. Elevated for client review.    
8504551 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that increase more than 10% test. Initial Loan estimate dated xx/xx/2021 reflects Recording fee at $141.00. However, Final CD dated xx/xx/2021 reflects Recording fee at $250.00. This is an increase of $109.00 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.    
78520065 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $5,124.36 and the loan was underwritten by AUS (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
78520065 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan document.    
78520065 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 4: Unacceptable * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) Subject approved at xx%. Seller defect shows additional monthly debts of $884 not paid at closing may push DTI over xx%. Unable to calc ATR    
55553969 xx xx xx b06dde1c-905f-4404-a416-ae2c918d0fa1 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Credit Title Policy Active 3: Curable * Missing Final Title Policy with applicable Alta endorsements. (i.e., Alta 8.1, 9) (Lvl 3) Final Title Policy is missing from loan documents, however Commitment Title Report is located at xx.    
55553969 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows BWR was not employed at closing. Unable to rely on docs in file and unable to calc ATR.    
55553969 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
82030904 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that increase more than 10% test. Initial Loan Estimate dated xx/xx/2020 reflects Recording fee at $99.00. However, Final CD dated xx/xx/2020 reflects Recording fee at $175.00. This is a fee increase of $66.10 for charges that cannot increase more than 10%.

Loan failed charges that cannot increase test. Initial LE dated xx/xx/2020 reflects Transfer Taxes at $2,200.00. However, Final CD dated xx/xx/2020 reflects Transfer Fee Taxes at $4,399.00 (Transfer Taxes of $2,199.50 Paid by Buyer and $2,199.50 Paid by Seller). This is an increase of $2,199.00 for charges that cannot increase.		    
82030904 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
82030904 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Market Conditions Addendum (Form 1004MC) is missing from the loan documents.    
82030904 xx xx xx 199ed034-40ba-4073-9bb5-17d9a97bf057 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Loan program disclosure missing or unexecuted (Lvl 3) Per tape, subject property ineligible due to condition rating of C5. Appraisal located at "xx", reflects that property condition is C5.    
82030904 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $49,161.57. Calculated Finance Charge $49,161.57 for an under disclosed amount of $49,581.57. Reason for Finance Charge under disclosure is unknown. Subject loan is a purchase, originated on xx/xx/2020 and the SOL is 1 year.    
82030904 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home Loan Toolkit is missing from the loan documents.    
59736988 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows, Loan was approved through LPA as home possible advantage, which isn't allowed on this HFA's bond program. Grant has no repayment options.    
59736988 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) The loan failed charges that in total cannot increase more than 10% test due to increase of fees in final CD dated xx/xx/2021. Initial LE dated xx/xx/2021 reflects Abstract / Title Search Fee at $120.00 and Title Document Preparation Fee at $100.00. However, final CD dated xx/xx/2021 reflects Abstract / Title Search Fee at $125.00 and Title Document Preparation Fee at $230.00. Valid COC for the addition of fee is missing from the loan documents. Comparable fee amount for Charges that cannot increase more than 10% in Initial Loan Estimate is $884.00 and on final closing disclosure fee amount is $977.00 Exceeds by $4.60.    
59736988 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2020 reflects Appraisal Fee at $525.00. However, Final CD dated xx/xx/2021 reflects the Appraisal fee at $550.00. This is an increase of $25.00 for charges that cannot increase 0% tolerance test. Valid COC for the addition of appraisal fee is missing from loan documents.    
59736988 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan documents.    
5058475 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows closed as a 1 unit property, but it is a 2 unit property. The LTV exceeds Freddie guidelines.2 unit investment properties require a max LTV of xx% per Freddie.    
49233983 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $212,432.10. Calculated Finance Charge 214,041.95 for an under disclosed amount of $1,609.85. Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
49233983 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
49233983 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Initial LE dates xx/xx/2021 does reflects Transfer Taxes $1.00. However, Final CD dated xx/xx/2021 reflects Transfer Taxes $1,066.00 paid by seller. This is an increase of $1,065.00 for charges that cannot increase 0% tolerance test.Valid COC for the addition of Transfer Taxes fee is missing from the loan documents.    
49233983 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $5,523.48 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
49233983 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved/eligible at xx%. Seller defect shows income miscalculated and DU invalid at closing. Unable to calculate ATR.    
56913130 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Per tape, Income miscalculation may push DTI over xx% Unable to calculate ATR.    
56913130 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.    
56913130 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) PIW is missing from loan document.    
56913130 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan document.    
57476455 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) CE Risk indicator is "Elevated" due to following factors:

1. This loan failed the TILA finance charge test. The finance charge is $181,329.87. The disclosed finance charge of $169,457.51 is not considered accurate because it is understated by more than $100. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.

2. This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $181,329.87. The disclosed finance charge of $169,457.51 is not considered accurate for purposes of rescission because it is understated by more than $35. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.

3. This loan failed the TILA APR test. The annual percentage rate (APR) is 3.587%. The disclosed APR of 3.287% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.		    
57476455 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) FHA MI Certificate is missing from the loan file.    
57476455 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the borrower had a second forbearance and the payments are not reported on the credit report. However, the forbearance was not disclosed. Hence the loan does not meet the FHA guidelines since the year passed from the forbearance date and from the verification of 12 months payments. Further details are not provided to confirm the same. Unable to rely on the provided documents in the loan file.    
11885388 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Per tape, co-borrower does not have FICO score and required FICO score to qualify loan for borrower was 700 with DTI xx%. However, borrower FICO score is 620 with 3 months reserve instead 6 months.    
11885388 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower income was $xx and total expenses are in the amount of $5,440.44 per AUS/DU (locator# xx) and its recommendation is "Approve/Eligible with xx%.    
20630589 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
20630589 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
20630589 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
20630589 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan file.    
20630589 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 along with Estimated HUD-1, Fee itemization and closing instructions are also missing from the loan file    
20630589 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
20630589 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Texas $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
69521975 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 4.126%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.
The loan data is 0.000% and comparison data is 4.126%. Hence, the variance is -4.126%.		    
69521975 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
69521975 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
69521975 xx xx xx a0d5a3be-496f-41d6-a958-ce4e3ccae8fe 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to confirm from the loan file.    
69521975 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Loan application (1003) is missing from the loan file.    
69521975 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
69521975 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is "Moderate" as the loan is failed for TILA test.    
69521975 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from the loan file.    
69521975 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An Appraisal report at origination is missing from the loan file.    
69521975 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer disclosure is missing from the loan file.    
22211988 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Notice of servicing transfer document is missing from loan file.    
22211988 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business Disclosure is missing from loan file.    
22211988 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Florida $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) The Appraisal report is missing from loan file.    
22211988 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan files.    
22211988 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The Final Loan application is missing along with the Initial loan application from loan file.    
22211988 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) The Final TIL is missing from loan file.    
22211988 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is from the loan file    
22211988 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from loan file.
Anti-Coercion Notice
Title Insurance Disclosure
Radon Gas Disclosure
Insurance Sales Disclosure		    
22211988 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1, estimated HUD and itemization are missing from the loan file.    
70715543 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
70715543 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete North Carolina $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) The Appraisal report is missing from loan file.    
70715543 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The Final Loan application is missing along with the Initial loan application from loan file.    
70715543 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business Disclosure is missing from loan file.    
70715543 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Notice of servicing transfer document is missing from loan file.    
70715543 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial escrow acct disclosure is missing from loan file.    
70715543 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from loan file.
Amortization Schedule Disclosure
Credit Property Insurance Disclosure
Fee Agreement
Priority of Security Instrument Disclosure
Attorney Selection Disclosure		    
70715543 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan files.    
70715543 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) The Final TIL is missing from loan file.    
70715543 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1, estimated HUD and itemization are missing from the loan file.    
79384080 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Maryland $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An Appraisal report at origination is missing from the loan file.    
79384080 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
79384080 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Maryland $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
79384080 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Maryland $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application along with the initial application is missing from the loan file.    
79384080 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer disclosure is missing from the loan file.    
79384080 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 along with preliminary HUD-1, Fee itemization and closing instructions are also missing from the loan file.    
79384080 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
69428036 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business Disclosure is missing from the loan file.    
69428036 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non-QM QC Complete Maryland $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from the loan files.    
69428036 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer Document is missing from the loan file.    
69428036 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Maryland $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
69428036 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan files.    
69428036 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
69428036 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Maryland $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
69428036 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) Following State Disclosures are missing from the loan file.
1.Affidavit of Consideration
2.Affidavit of Disbursement
3.First Time Buyers Affidavit
4.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure
5.Balloon Payment
6.No Escrow Account
7.Mandatory Binding Arbitration Disclosures
8.Home Buyer Education and Counseling Disclosure		    
69428036 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with estimated hud and itemization of fees are also missing from the loan file.    
69428036 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Maryland $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
5371729 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing in the loan file.    
5371729 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application along with the initial application is missing from the loan file.    
5371729 xx xx xx 4338a740-1f15-426f-91b9-3d27e90910a7 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Credit Active 3: Curable * Lost Note Affidavit (Lvl 3) A Lost Note affidavit found in the loan file at (xx), Which states that The Original Note has been misplaced and/Or Lost.    
5371729 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD along with the estimated hud and itemization of finance charge is missing from the loan file.    
5371729 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
5371729 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form is missing in the loan file.    
5371729 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete North Carolina $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
5371729 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
72200569 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Arkansas $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan documents.    
72200569 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Arkansas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) Right of rescission is not hand dated by the borrower.    
72200569 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Arkansas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 6.027%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
72200569 xx xx xx 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c 561 561-3210 xx Non-QM QC Complete Arkansas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Good Faith Estimate missing or unexecuted (Lvl 2) Good Faith Estimate is missing from the loan documents.    
72200569 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Arkansas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Loan application (1003) is missing from the loan file.    
72200569 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non-QM QC Complete Arkansas $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) Mortgage insurance certificate is missing from the loan file.    
72200569 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete Arkansas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Loan has Escrow, however Initial Escrow Acct Disclosure is missing from the loan file.    
72200569 xx xx xx 08f7f0be-f4cf-4d4e-8244-193c7542c212 561 561-3210 xx Non-QM QC Complete Arkansas $xx Compliance Doc Issues Active 3: Curable * Not all borrowers signed HUD (Lvl 3) Final HUD located at "xx" is not signed by borrowers.    
72200569 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Arkansas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final Truth-in-lending disclosure is missing from the loan documents.    
72200569 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Arkansas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is Moderate as loan is failing for TILA APR Test.    
87528617 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) An executed copy of Notice of Servicing Transfer disclosure is missing from the loan file.    
87528617 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the settlement agent failed to notify "Carrington" that a $xx judgment that was to be paid from the loan proceeds had been paid before the closing of the loan. The borrower advised it was paid with the un-sourced cash on hand. Further details are not provided to confirm the same.    
87528617 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) FHA MI Certificate is missing from the loan file.    
87528617 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
87528617 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the lender credit that cannot decrease test. Missing valid COC for a Non-specific Lender Credit decreased in the amount of $974.29 on final CD dated xx/xx/2021.    
31142172 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Idaho $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
31142172 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Idaho $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) TRID Violation due to decrease in Lender Credit on Final Closing Disclosure dated xx/xx/2020. Revised LE dated xx/xx/2020 reflects Lender Credit at $2,313.00, however, Final Closing Disclosure dated xx/xx/2020 reflects Lender Credit at $2,310.34. This is decrease of $2.66 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan document.    
31142172 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Idaho $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan documents.    
31142172 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Idaho $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to decrease in Lender Credit on Final Closing Disclosure dated xx/xx/2020. Revised LE dated xx/xx/2020 reflects Lender Credit at $2,313.00, however, Final Closing Disclosure dated xx/xx/2020 reflects Lender Credit at $2,310.34. This is decrease of $2.66 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan document.    
31142172 xx xx xx 199ed034-40ba-4073-9bb5-17d9a97bf057 561 561-3210 xx QM-TRID QC Complete Idaho $xx Compliance Compliance Active 3: Curable * Loan program disclosure missing or unexecuted (Lvl 3) Seller tape shows Ineligible for GNMA pool due to GNMA APM 19-05 refinance seasoning violation.    
5673933 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% the Borrower income was $xx and total expenses are in the amount of $2049.76 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Accept/Eligible” with a DTI of xx%.    
5673933 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) Compliance TRID tolerance test is incomplete due to Initial Closing Disclosure dated xx/xx/2020 is missing from the loan documents.    
5673933 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan Fails GSE (Freddie Mac public guidelines) QM Points and Fees Test due to Fees charged $14111.43 Fees threshold $8748.45 Over By +$5362.98.
The below fees were included in the test:
Application Fee paid by Borrower: $500.00
Points - Loan Discount Fee paid by Borrower: $13,611.43

Loan failed Qualified Mortgage Lending Policy Points and Fees Test due to Fees Charged: $14111.43 Fees Threshold: $8748.45 Over by +$5362.98.
The following fees were included in the test:
Application Fee paid by Borrower: $500.00
Points - Loan Discount Fee paid by Borrower: $13,611.43		    
5673933 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
5673933 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape shows LPA has a max number of runs of 75. The max number was hit after approval and before closing making the LPA ineligible. A new LPA was not created prior to close. DU required assets for reserves, which the borrower did not have.    
5673933 xx xx xx 3e7649ea-d4a6-431b-bedf-93e8df994bff 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Homeownership counseling disclosure is missing from the loan documents.    
32906497 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial Loan Estimate is missing from the loan documents.    
32906497 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase TRID Tolerance test is incomplete due to Initial LE is missing from the loan documents.    
32906497 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Per tape, taxes were miscalculated and may push DTI to over xx%. Unable to rely on document in file and unable to calculate ATR.    
32906497 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income was $xx and total expenses are in the amount of $1,319.58 and the loan was underwritten by AUS/DU xx and its recommendation is “Approve/Eligible” with a DTI of xx%.    
34282040 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE Risk indicator is "Moderate" since this loan failed the Pennsylvania license validation test (PA HB 2179 Section 6111). The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November 5th, 2008.    
34282040 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Pennsylvania license validation test (PA HB 2179 Section 6111). The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November 5th, 2008.    
34282040 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) An executed copy of Notice of Servicing Transfer disclosure is missing from the loan file.    
34282040 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) FHA MI Certificate is missing from the loan file.    
34282040 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Per tape, the subject loan is uninsurable since it violated FHA Flip rule. The seller acquired the subject property on xx/xx/2020 & contract was signed on xx/xx/2020 which is less than 90 days hence, it’s required a second appraisal.    
19328556 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) An executed copy of Notice of Servicing Transfer disclosure is missing from the loan file.    
19328556 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Compliance Compliance Active 4: Unacceptable * ComplianceEase Risk Indicator is "Elevated" (Lvl 4) CE risk indicator is "Elevated" since the loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower’s income is $xx and total expenses are in the amount of $3,487.04; however, the final AUS/LP is missing from the loan file and the provided final 1008 is showing that the loan was underwritten by AUS/LP (locator# xx) & its recommendation is “ACCEPT” and DTI is showing in it as xx%.    
40267217 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Alabama $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) FHA MI Certificate is missing from the loan file.    
40267217 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower’s income is $xx and total expenses are in the amount of $1,135.73 and the loan was underwritten by AUS/DU (locator#xx) & its recommendation is “Approve/Eligible” and DTI is showing in it as xx%.    
40267217 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. UW error and DU came back as refer at xx%. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
40267217 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) An executed copy of Notice of Servicing Transfer disclosure is missing from the loan file.    
18934845 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% the Borrower income was $xx  and total expenses are in the amount of $2,132.14 and the loan was underwritten by AUS/DU (locator# xx and its recommendation is “Approve/Eligible” with a DTI of xx%    
18934845 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller defect shows undisclosed debt of $661 may push DTI over xx%. Unable to rely on docs in file and unable to calc ATR.    
18934845 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the Pennsylvania license validation test. (PA HB 2179 Section 6111)
The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a
closing date before November 5th, 2008. Additionally, the Pennsylvania First Mortgage Banker License, Pennsylvania Secondary
Mortgage Loan License, Pennsylvania Unlicensed (Subordinate Lien), and Pennsylvania Exemption Letter are not available for
loans with a closing date on or after January 1st, 2009.		    
62476583 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
62476583 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage Insurance is missing from the loan documents.    
62476583 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows borrower worked less than 40 hours at closing. Due to Income miscalculation DTI may push to xx%. Unable to rely on documents in the file and unable to calculate ATR.    
62476583 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,754.00 and the loan was under written by AUS/DU (xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
62476583 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to Proceed is missing from the loan documents.    
24738060 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from loan documents.    
24738060 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete New York $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Transmittal Summary reflects that “No Appraisal" and Appraisal waiver is not in loan documents.    
24738060 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows that lost the appraisal waiver and we would need an appraisal to deliver loan, however team has not been able to have borrower agree to appraisal ; because loan purpose is Cash out Refinance.    
24738060 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to Proceed is missing from loan documents.    
47407922 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home is affixed.
As per appraisal report located at “xx”, the subject property type is “Manufactured Housing”. Final title policy reflects ALTA 7 endorsement incorporated with it. Recorded mortgage has manufactured home rider located at “xx” with manufactured home I.D. No. (VIN#) xx. There is document of “Title Retirement Affidavit” located at xx recorded on xx/xx/2021 shows the mobile home has been permanently affixed to the land.		    
47407922 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Per seller tape, loan had been determined that it does not qualify for FNMA/FHLMC (mobile Home) due to the appraisal. We had to move forward with closing, as approval was issued to the borrower.    
47407922 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to Proceed is missing from the loan documents.    
3544891 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed the Higher-Priced Mortgage Loan Test due to APR Charged 3.9xx% APR Threshold 3.830% Over by +0.113%. Subject loan is escrowed.    
3544891 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
3544891 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Appraisal report date is xx/xx/2020 which is more than 120 days from Note date xx/xx/2021. However updated 1004D is missing from the loan document.    
3544891 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Per tape, Tape shows single wide manufactured home and cash out loans are not allowed on single wide. Transfer to owned portfolio.    
3544891 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor Test due to APR Charged 3.9xx% APR Threshold 3.830% Variance +0.113%. Subject loan is escrowed.    
3544891 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from the loan documents.    
3544891 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Virginia $xx Valuation Property Active 4: Unacceptable * Property is Manufactured Housing (Lvl 4) Home is not affixed. Short form policy does not have ALTA 7 Endorsement. VIN# is not provided with the legal description of subject mortgage. Manufactured home rider in the file (xx) does not have MH terms. Affix affidavit not in file..    
80910483 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete New York $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Property Inspection Waiver is missing from the loan documents.    
80910483 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows, PIW lost and solar lien discovered post close. Neither borrower will allow appraiser inside nor will he refinance.    
80910483 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to Proceed is missing from the loan documents.    
26325910 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Delaware $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects Minimum Down payment not met. Supporting document to validate the issue is missing from the loan documents.    
26325910 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Delaware $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage Insurance certificate is missing from the loan documents.    
26325910 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intend to Proceed is missing from the loan documents.    
66351595 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from the loan documents.    
66351595 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Delaware $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report dated xx/xx/2020 located at #xx, However appraisal report is less than 120 days from the closing date xx/xx/2021.    
66351595 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Delaware $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Per tape, Appraisal expired two months prior to close.    
66351595 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Delaware $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage Certificate is missing from the loan documents.    
55038050 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete West Virginia $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) An executed copy of Notice of servicing transfer disclosure is missing from the loan file.    
55038050 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete West Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Per tape, the appraisal came back below sales price, and the parties renegotiated to $xx. The sales price team entered the appraisal price as $xx as well, instead of the actual price of $xx & LTV is actually xx%.    
60599876 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $29,657.02. Calculated Finance Charge $31,810.42 for an under disclosed amount of $2,153.40.  Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.    
60599876 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Per tape, Debt Ratio miscalculation as HOA was not calculated. AUS is missing from the loan file. Unable to rely on docs in file and unable to calc ATR    
60599876 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS report is missing from the loan document.    
60599876 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * ComplianceEase State Regulations Test Failed (Lvl 3) This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test.

The below fees were included in the test:
Document Preparation Fee paid by Borrower: $200.00
Title Closing Protection Letter (CPL) paid by Borrower: $75.00
Title Upper Court Fee paid by Borrower:		    
60599876 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
60599876 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $1,601.15. AUS report is missing from the loan documents.    
60599876 xx xx xx ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * LE/CD Issue date test Fail (Lvl 3) This Loan Failed Revised Closing Disclosure Delivery waiting period Test due to Changes before consummation requiring a new waiting period. APR becomes inaccurate.    
60599876 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from the loan documents.    
69432674 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows BWR was not employed at closing. Unable to rely on docs in file and unable to calc ATR.    
69432674 xx xx xx 9ec6b0ff-0814-48f3-bf27-388542488f94 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit AUS Active 3: Curable * Document(s) Required by AUS Missing from Loan file (Lvl 3) AUS is missing from loan document.    
69432674 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from loan document.    
69432674 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) The loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and the total expenses are in the amount of $3652.46. AUS report is missing from loan document.    
89794208 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows loan doesn't meet the 6 months seasoning which are required for VA IRRRL.    
895841 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) Loan failed QM Safe Harbor Test due to APR Charged 8.654% APR Threshold 4.430% Over By +4.224%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
895841 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher Priced Mortgage Test due to APR charged 8.654% APR Threshold 4.430% Over By 4.224%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
895841 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed Qualified Mortgage APR Threshold Test due to APR charged 8.654% APR Threshold 5.180% Over By +3.474%. QM disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.   Loan Fails Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $3,815.00 Fees threshold $3,331.60 Over By +$483.40.  The below fees were included in the test:  Points - Loan Discount Fee paid by Borrower: $2,320.00 Processing Fee paid by Borrower: $500.00 Underwriting Fee paid by Borrower: $995.00    
895841 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan failed the GSE (Fannie Mae public guidelines) QM Points and Fees Test due to Fees Charged: $3,815.00 Fees Threshold: $3,331.60 Over by +$483.40.  The following fees were included in the test:   Points - Loan Discount Fee paid by Borrower: $2,320.00 Processing Fee paid by Borrower: $500.00 Underwriting Fee paid by Borrower: $995.00    
895841 xx xx xx ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * LE/CD Issue date test Fail (Lvl 3) Revised Loan Estimate Delivery Date Test due to loan estimated date xx/xx/2021 which is less than 3 business days from the consummation date xx/xx/2021.    
895841 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges That Cannot Increase test due to fee addition in Revised LE dated xx/xx/2021. Initial LE dated xx/xx/2021 does not reflect Point discount fee. Revised LE dated xx/xx/2021 reflects Point discount fee $2,320. COC dated xx/xx/2021 does not reflect or confirm the addition of fee in Revised LE dated xx/xx/2021.    
76041933 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from the loan file    
76041933 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
76041933 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) The subject loan was approved at the DTI of xx% at origination. Tape shows the income was not documented. Unable to rely on docs in file and unable to calc ATR.    
76041933 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) An executed copy of Settlement Services Providers List (SSPL) disclosure is missing from the loan file.    
29510472 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed the Qualified Mortgage Safe Harbor Threshold due to APR Charged 5.423% APR Threshold 5.320% over by +0.103%. Subject loan is escrowed.    
29510472 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 1: Acceptable * ComplianceEase Exceptions Test Failed (Lvl 1) TRID Violation in Charges That Cannot Increase test due to fee addition in Initial CD dated xx/xx/2019. Initial LE dated xx/xx/2019 does not reflect Point discount Fee. Initial Closing disclosure dated xx/xx/2019 Point discount Fee at $233.07. Valid COC dated xx/xx/2019 is missing from loan documents.    
29510472 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan fails Compliance Ease Higher priced mortgage loan test. APR Calculated 5.423% APR Threshold 5.320% over by +0.103%. Missing Higher Priced Mortgage Loan Disclosure signed by Borrower. Subject loan is escrowed.    
29510472 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan documents.    
29510472 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges That Cannot Increase test due to fee addition in Initial CD dated xx/xx/2019. Initial LE dated xx/xx/2019 does not reflect Point discount Fee. Initial Closing disclosure dated xx/xx/2019 Point discount Fee at $233.07. Valid COC dated xx/xx/2019 is missing from loan documents.    
29510472 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,614.33 and the loan was underwritten by DU (xx) and its recommendation is “Refer/Eligible” with a DTI of xx%.    
24070740 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape shows defect that there was an incorrect SSN on the 1003. No further details provided. Unable to rely on docs in file and unable to calc ATR.    
24070740 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from the loan file.    
24070740 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $4,115.32 per AUS/DU (locator# xx) and its recommendation is "Approve/Eligible" with a DTI of xx%.    
24070740 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) List of Service Providers is missing from the loan documents.    
24070740 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership Counseling Disclosure is missing from the loan documents.    
6561522 xx xx xx ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * LE/CD Issue date test Fail (Lvl 3) Loan fails Initial closing disclosure delivery date test”. Initial closing disclosure dated xx/xx/2021 is not signed by the borrower, document tracker is also missing for this disclosure. The initial closing disclosure receipt date provided is xx/xx/2021 and the consummation date is xx/xx/2021 initial closing disclosure receipt date is less than three business days from the consummation date.    
6561522 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Signed intent to proceed is missing from the loan documents.    
6561522 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Loan originator signed initial application (1003) is missing from the loan documents.    
6561522 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Per tape data seller defect there is an issue where the program does not allow the purchase price to exceed the appraised value.    
6561522 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final closing disclosure reflects closing date as xx/xx/2021. Borrower's signature date on the mortgage/deed of trust is xx/xx/2021. Note date is xx/xx/2021.    
84719613 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI Certificate is missing from loan document.    
84719613 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from the loan file    
84719613 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Per seller tape, there is a technical glitch due to which appraiser has refused to correct the XML copy and FHA won’t insure. Elevated for client review.    
84719613 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Closing Disclosure dated xx/xx/2021 does not reflect a signature and the document tracking disclosure was not located.  Three day mail method for delivery and receipt was used and loan is failing for timing of this TRID.  Document tracker is required to ensure timing and clear timing fail.    
4664017 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test due to disclosed on Final CD is $95,209.19. Calculated Finance Charge is $95,246.14. The test fails for an under disclosed amount of -$36.95. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.    
4664017 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects that subject property lost AUS approval after doing a 50A6 with a PIW-Post close appraisal came in at $xx.    
4664017 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Appraisal report is missing from loan documents. However, FMV is located at -xx. Subject property is located at Texas state.    
63308386 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock is missing from the loan documents.    
63308386 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% the Borrower income was $xx and total expenses are in the amount of $6146.82 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
63308386 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Your Home loan Toolkit is missing from the loan documents.    
63308386 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Per tape, the subject property is a single unit with an accessory unit, and it was underwritten using two unit county loan limit - Exceed loan limit amount. No further details have been found.    
63308386 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that increase test. Loan estimate dated xx/xx/2021 reflect Appraisal Fee at $650. However, Final CD dated xx/xx/2021 reflects Appraisal Fee at $750.00. This is an increase in fee of $100.00 for charges that cannot increase.


Loan failed charges that increase test. Loan estimate dated xx/xx/2021 reflect Credit Report Fee at $150.00. However, Final CD dated xx/xx/2021 reflects Credit Report Fee at $187.00. This is an increase in fee of $37.00 for charges that cannot increase.

Loan failed charges that increase test. Loan estimate dated xx/xx/2021 does not reflect Points - Loan Discount Fee at $550. However, Final CD dated xx/xx/2021 reflects Points - Loan Discount Fee at $5,238.00. This is an increase in fee of +$5,238.00 for charges that cannot increase.		    
63614686 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock document is missing from the loan documents.    
63614686 xx xx xx 42fa4669-fe5d-412e-9c32-21b87047de7c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Revised Loan Estimate is missing (Lvl 3) Revised loan estimate is missing from the loan documents.    
63614686 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows 30 days of paystubs were not documented and may have had an impact on FHA approval.    
35619352 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) FHA MI Certificate is missing from the loan file.    
35619352 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the lender credit that cannot decrease test. Missing valid COC for a Non-specific Lender Credit decreased in the amount of $54.25 on final CD dated xx/xx/2021.    
35619352 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan is a FHA and uninsurable since the FHA Case number was cancelled prior to the closing and the HUD will not reinstate the Case#.    
3892430 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the revised closing disclosure delivery date test (no waiting period required). The revised closing disclosure delivery does not require a new waiting period and the revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.    
3892430 xx xx xx d37b6b0d-52a6-40cb-8ba6-8980e85842cd 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) Provided ROR/NRTC is showing a transaction date as xx/xx/2020; however, the Note / Settlement date is mentioned as xx/xx/2020.    
3892430 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
3892430 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).		    
3892430 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $267.80 on final CD dated xx/xx/2020. There is a total fee increased of $267.80 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.    
3892430 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower’s income is $xx and total expenses are in the amount of $1,712.90 and the loan was underwritten by AUS/LP (locator# xx) & its recommendation is “Accept/Eligible” and DTI is showing in it as xx%. Tape shows defect on income miscalculation invalidating AUS and actual DTI over xx%.    
68905448 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
68905448 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows defect as "There was an error with the address that was corrected post close.  The error caused us to lose our appraisal waiver. Appraisal that was ordered post close caused value to be outside of conforming guidelines. LTV is xx."    
68905448 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan has failed Charges That In Total Cannot Increase More Than 10% Test.
Comparable Fee Amount is $410.00 and Final Fee Amount is $1,105.00, the difference is of $695.00, which is greater than 10%.		    
68905448 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This Loan failed the TILA foreclosure rescission finance Charge test. Finance charge disclosed on Final CD as $50,484.39. Calculated Finance Charge $51,126.64 for an under disclosed amount of -$642.25. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.    
81240705 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock is missing from the loan documents.    
81240705 xx xx xx 54f64411-c4ab-48d5-8a97-62fa871dc2d8 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Property Active 4: Unacceptable * Property Type unacceptable under guidelines (Lvl 4) Tape shows FNMA rejected appraisal of studio apartment, zero bedroom. Appraiser made adjustments and comments but it was still rejected.    
96897974 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) The settlement date is mentioned in the PCCCD as xx/xx/2020 but the original Note date as xx/xx/2020.    
96897974 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $183,351.71. The disclosed finance charge of $183,310.06 is not considered accurate for purposes of rescission because it is understated by more than $35. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.    
96897974 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) An executed copy of final CD is missing from the loan file; however, the points and fees were considered from the provided copy of PCCD.    
96897974 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the lender credit that cannot decrease test. Missing valid COC for a Non-specific Lender Credit decreased in the amount of $89.00 on the provided CD dated xx/xx/2020.    
96897974 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows 2nd lien was closed before subject loan but recorded after subject loan. Subject remains in 1st position.    
96897974 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Provided 1008 (locator#xx) is showing that the loan doesn't require Appraisal but the copy of PIW for the subject property is missing from the loan file.    
51153619 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower’s income is $xx and total expenses are in the amount of $1,658.96 and the loan was underwritten by AUS/DU (locator# xx) & its recommendation is “Approve/Eligible” and DTI is showing in it as xx%.    
51153619 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
51153619 xx xx xx cd78c3d6-5980-4171-a589-a92d6a853351 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Rebuttable Presumption - defined by loan findings (Lvl 3) This loan failed the FHA QM rebuttable presumption test.The points and fees exceed the HUD qualified mortgage points and fees threshold since the loan amount is less than $64,648.00 but at least $21,549.00, and the transaction's total points and fees is $9,233.95, which exceeds 5 percent of the total loan amount of $xx.

This loan is failed for FHA QM Safe Harbor Test as APR (4.233%) is varied APOR (5.800%) by 1.567%. The APR threshold is 5.800% and the subject loan is escrowed one.
 
FHA QM Safe Harbor Test: FAIL    Charged: 4.233%      Allowed: 5.800%      Varied by: -1.567%		    
51153619 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan has points and fees that exceed the points and fees threshold. The loan amount is less than $65,939.00 but at least $21,980.00, and the transaction's total points and fees is $9,233.95, which exceeds 5 percent of the total loan amount of $xx.

2. This loan failed the revised loan estimate delivery date test (prior to consummation) since the revised loan estimate delivery date (xx/xx/2019) is on or after the initial closing disclosure delivery date (xx/xx/2019).

3. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

4. 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).

5. This loan failed the TRID initial loan estimate date and initial closing disclosure date validation test. This loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt date was not provided) that is on or before any loan estimate delivery date.		    
51153619 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that in total cannot increase more than 10% test. Missing valid COC for a total fees increased of $7.40 on final CD dated xx/xx/2020.
Provided final CD reflects the cumulative Fees in B section increased of 10.434% with the amount of $7.40 in Creditor's Providers Fees which exceeded the 10% tolerance for Creditor's Providers fees and a valid COC is required.		    
51153619 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the provided CD/LE is having an issue.    
51153619 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) FHA MI Certificate is missing from the loan file.    
24610382 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE Risk indicator is "Moderate" since this loan failed the initial closing disclosure delivery date test as the initial closing disclosure receipt date (xx/xx/2021) is provided and the initial closing disclosure receipt date (xx/xx/2021) is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date.    
24610382 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the recoupment exceeded maximum allowed for IRRL's loan.    
24610382 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
24610382 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the Veterans Affairs IRRRL unpaid principal balance validation test. This loan contains a value for one, but not both of the following fields:The loan is a VA interest rate reduction refinance loan (IRRRL), but the unpaid principal balance was not provided. The unpaid principal balance is necessary to correctly calculate the 1% loan origination fee threshold for VA IRRRL loans.    
67128172 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
67128172 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Servicing transfer disclosure is missing from loan documents.    
67128172 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) List of settlement service provider document is missing from the loan documents.    
67128172 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership counseling disclosure is missing from the loan documents.    
67128172 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure is missing from the loan documents.    
67128172 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to Proceed is missing from the loan documents.    
85872535 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer disclosure is missing from the loan documents.    
85872535 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Settlement service provider list is missing from the loan documents.    
85872535 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure is missing from the loan documents.    
85872535 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID tolerance test is incomplete due to initial loan estimate and initial closing disclosure is missing from the loan documents.    
85872535 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from loan documents.    
85872535 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
85872535 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership counseling disclosure is missing from the loan documents.    
74181069 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed “ComplianceEase Higher priced mortgage loan test”. APR Calculated: 4.814%. APR Threshold: 4.710%. Over by +0.104%. Missing Higher Priced Mortgage Loan Disclosure signed by borrower. The loan is escrowed.    
74181069 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
74181069 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed “Qualified Mortgage Safe Harbor Threshold test”. APR Calculated: 4.814%. APR Threshold:4.710%. Over by +0.104%. The loan is escrowed.    
74181069 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects, Freddie determined the condo was not eligible as the complex hadn't met presale threshold at time of close. Condo complex is fully warrantable at this point, Borrower is current, Low DTI and ample income.    
64538406 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date xx/xx/2020 is more than 60 calendar days after the consummation date xx/xx/2020. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.    
64538406 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows DTI is now at xx% and the AUS is invalid. No further details available. Unable to rely docs in file and Unable to calc ATR.    
64538406 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower income was $xx and total expenses are in the amount of $4,243.30 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
64538406 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance Test. Initial LE dated xx/xx/2020 reflects Transfer Taxes at $4,119.00 However, Revised CD dated xx/xx/2020 reflects Transfer Taxes at $4,699.00 this is an increase of +$580.00 for charges that cannot increase 0% Tolerance tests. COC for increase in fee is missing from the loan documents. (Post CD reflects Transfer Taxes paid by lender).    
44783773 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home is affixed. An Appraisal Report at the origination located at “xx” shows the type of subject property as a manufactured home. The Manufacture Home Affidavit of Affixation located at “xx”, states that the property is affixed to the permanently foundation. The VIN# is FLFLX70 A/B 26991WC21. Final Title Policy is missing from the loan file. Also, the VIN# is not available in the legal description of the recorded mortgage.    
44783773 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Required Affiliated Business disclosure is missing from the loan documents.    
44783773 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Written list of service providers is missing from the loan documents.    
44783773 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership Counseling is missing from the loan documents.    
44783773 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to Proceed is missing from the loan documents.    
44783773 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow account disclosure is missing from the loan documents.    
44783773 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase TRID Tolerance test is incomplete due to missing of Initial CD from the loan documents.    
44783773 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflect the issue as uninsurable ditch loan due to which it has to get repurchased from GNMA.    
44783773 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * Missing flood cert (Lvl 3) Flood Certificate is missing from the loan documents.    
44783773 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
7425738 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan documents.    
7425738 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the Pennsylvania license validation test.
The Pennsylvania requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed. The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter are not available for loans with a closing date before November 5th, 2008. Additionally, the Pennsylvania First Mortgage Banker License, Pennsylvania Secondary Mortgage Loan License, Pennsylvania Unlicensed, and Pennsylvania Exemption Letter are not available for loans with a closing date on or after January 1st, 2009.		    
7425738 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows full appraisal was required but only a drive by was obtained.    
84598787 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).		    
84598787 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan is a FHA uninsurable. The subject property is in flood zone and per Elevation Certificate, the home was not built high enough above the flood level.    
84598787 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The subject loan is a FHA Purchase. The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower’s income is  and total expenses are in the amount of $3,781.96 and the loan was underwritten by AUS/DU (locator#xx) & its recommendation is “Approve/Eligible” and DTI is showing in it asxx%.    
84598787 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) 1. This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased total in the amount of $3,731.56 on the PCCD dated xx/xx/2021.
Provided initial LE dated 11/xx/2020reflects the Transfer Taxes fee as $2,857.00, however, the provided PCCD reflected it as $6,588.56. There is a total fee increased of $3,731.56 for a Non-Shoppable Fee which exceeded the 0% tolerance for Non-Shoppable Fees.

2. This loan failed the lender credit that cannot decrease test. Missing valid COC for a Non-specific Lender Credit decreased in the amount of $2,129.27 on the PCCD dated xx/xx/2021.		    
84598787 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) An executed copy of Notice of Servicing Transfer disclosure is missing from the loan file.    
84598787 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) FHA MI Certificate is missing from the loan file.    
38877261 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from loan file.    
38877261 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows Uninsurable FHA, Appraisal recert was after the appraisal had already expired.    
75117397 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of , the borrower's income is $xx and total expenses are in the amount of $2,500.24 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
75117397 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Delaware $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) This is VA loan. Seller tape shows the loan is not insurable due to VA seasoning not met.    
21979112 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Market Condition Addendum is missing from the loan documents.    
21979112 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $5,090.96 and the loan was under written by AUS/DU (xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
21979112 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from the loan documents.    
21979112 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows that process of completing VA loan guaranty receiving only 24.42% To meet 25% guaranty. Borrower made a down payment of $3,215.00. Due to this loan is not insured.    
34245763 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) Net Operating Income is $596.40 and Annual Payments (Debt Service) is $19,436.76. Debt Service Cover Ratio (DSCR):= 0.03.    
34245763 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows seller signed an indem on it in 2019, but the borrower missed 4 payments earlier this year so we are being forced to repurchase.    
34245763 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
34245763 xx xx xx 249ccfc8-8061-4638-a74f-933a4ad40fc5 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Legal Docs Active 3: Curable * Loan has escrow holdback. No proof it was released (Lvl 3) Final closing disclosure reflects escrow holdback in amount of $5,483.00. However, proof of escrow holdback is missing from the loan documents.    
11482468 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is NOO. Tape shows Appraisal issues- value not supported    
11482468 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliate business disclosure is missing from the loan documents.    
91985069 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Finance charge disclosed on Final CD as $721,011.53. Calculated Finance Charge $720,911.53 for an under disclosed amount of -$100.00. Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing.    
91985069 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Loan failed the Qualified Mortgage Lending Policy Points and Fees Test due to Fees Charged: $19,983.25 Fees Threshold: $19,713.21 Over by +$270.04.

The following fees were included in the test:

Mortgage Broker Fee (Indirect) $18,287.50
Points - Loan Discount Fee paid by Borrower: $1,695.75.		    
91985069 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tapes shows Appraisal Issues - value not supported.    
91985069 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan failed the GSE (Fannie Mae public guidelines) QM Points and Fees Test due to Fees Charged: $19,983.25 Fees Threshold: $19,713.21 Over by +$270.04.

The following fees were included in the test:

Mortgage Broker Fee (Indirect) $18,287.50
Points - Loan Discount Fee paid by Borrower: $1,695.75.		    
91985069 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated Business Disclosure is missing from the loan documents.    
91985069 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2019.  Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2019.  Note date is xx/xx/2019.    
91985069 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Final CD dated xx/xx/2019. Initial LE dated xx/xx/2018 reflects Credit Report Fee at $80.00. However, Final CD dated xx/xx/2019 reflects Credit Report Fee at $160.00. This is fee increase of $80.00 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents.    
91985069 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income was $xx and total expenses are in the amount of $7,105.54 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
91985069 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership Counseling Organizations disclosure is missing from the loan documents    
91985069 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to Proceed is missing from the loan documents.    
91985069 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) A rate lock agreement signed by the borrower is missing from the loan documents.    
70271362 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows, borrower left his job 7 days prior to closing. Borrower is currently employed. Unable to rely on docs in file and unable to calc ATR.    
70271362 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $2,896.41 per AUS/DU (locator#xx) and its recommendation is “Approve/Eligible with xx%.”.    
70271362 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete California $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Final Transmittal summary (1008) is missing from the loan documents.    
60981251 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows BWR was on STD that was not documented in order to qualify. Unable to rely on document in file and unable to calc ATR.    
60981251 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Loan closed without appraisal. However, property inspection waiver hand signed by the borrower is missing from the loan documents.    
60981251 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges That Cannot Increase test due to fee increase in Final CD dated xx/xx/2021. Initial LE dated xx/xx/2021 reflects Transfer Taxes Fee at $187.00. However, Final CD dated xx/xx/2021 reflects Transfer Taxes Fee at $521.71. This is fee increase of $334.71 for 0% tolerance test fee. Valid COC for the increase in fee amount is available on pg#xx, COC is not getting tested due to Initial closing disclosure was received earlier than permitted date.    
88257275 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $195,530.23. Calculated Finance Charge is $197,152.83 for an under disclosed amount of $1,622.60.  Reason for Finance Charge under disclosure is unknown. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.    
88257275 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Nevada $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects, the subject loan was initially not in first lien position. But is no longer in 2nd lien position. The borrower was 1X60 in June 2021; however; they are caught up and due for November 2021.    
78690242 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Michigan $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Transmittal summary reflects no appraisal. However, PIW is missing from the loan documents.    
78690242 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $1,771.33 and the loan was underwritten by LP (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%    
37356778 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows Loan is un-insurable due to DQ.    
37356778 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Final Closing Disclosure reflects monthly MIP as $74.02. However, Mortgage Insurance certificate is missing in the loan documents.    
37356778 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November 5th, 2008.

The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a closing date before November 5th, 2008. Additionally, the Pennsylvania First Mortgage Banker License, Pennsylvania Secondary Mortgage Loan License, Pennsylvania Unlicensed (Subordinate Lien), and Pennsylvania Exemption Letter are not available for loans with a closing date on or after January 1st, 2009.		    
37356778 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of $xx, the Borrower income was  and total expenses are in the amount of $1,455.83 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of $xx.    
49555042 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) LP report is missing from the loan documents.    
49555042 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2020 does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/2020 reflects the addition of Points - Loan Discount Fee at $379.36. This is an increase of $379.36 for charges that cannot increase 0% test. COC for the addition of Points - Loan Discount Fee is missing from the loan documents.    
49555042 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $1,759.18 and the LP report is missing from the loan documents.    
49555042 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows SE income fraudulent/misrepresentation. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
49555042 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
14595700 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
14595700 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2021. Notary signature date on the Mortgage is xx/xx/2021. Note date is xx/xx/2021. Final application signed by borrower on xx/xx/2021.    
14595700 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) This is VA Streamline refinance loan. Seller tape reflects loan is uninsured due to loan does not meet VA seasoning requirements.    
91111722 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Missouri $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects, Subsequent use less than $144,001.    
91111722 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Missouri $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
91111722 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Missouri $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $96,834.47. Calculated Finance Charge $96,984.47 for an under disclosed amount of -$150. Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a refinance, originated on xx/xx/2019 and the SOL is 3 years.


TILA Rescission Finance charge disclosed on Final CD as $96,834.47. Calculated Finance Charge $96,984.47 for an under disclosed amount of -$150. Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a refinance, originated on xx/xx/2019 and the SOL is 3 years.		    
37683707 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
37683707 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) This loan fails loan origination fee test due to fee charged $3,025.20 fee threshold by $2,920.00, over by +$105.00.
Below fees were included in the loan origination fee test
Loan origination fee paid by borrower: $3,025.00		    
37683707 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and the total expenses are in the amount of $2,578.73 and the loan was underwritten by AUS/DU(xx) and it’s recommendation is “Approve/Eligible” with a DTI of xx%    
37683707 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller defect shows the issues where the modification was not accounted for the 210 seasoning requirement.    
33276843 xx xx xx fbdf2672-bb78-4d47-8239-175dbfaf8564 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Credit Active 3: Curable * Final Application Incomplete (Lvl 3) Final Application is not hand signed by borrower.    
33276843 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
33276843 xx xx xx 64b4e88c-ac9f-44af-bd44-81df53d25df8 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Closing_Disclosure violations (Lvl 3) Final Closing disclosure is not hand signed by borrower.    
33276843 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue, the loan is outside of agency saleable limit due to loan age is greater than 180 days.    
33276843 xx xx xx 30f5ee14-9cca-47bb-8ed2-40f698aea049 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Credit Active 4: Unacceptable * Type of Ownership is Leasehold Or Cooperative (Lvl 4) As per the final TPOL located at "Final Title Policy". The subject property type is Leasehold.    
33276843 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as OO but seller defect shows may be NOO. Seller was unable to determine which property BWR actually lived at. Elevated for client review.    
1392257 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the Pennsylvania license validation test.
The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a
closing date before November 5th, 2008. Additionally, the Pennsylvania First Mortgage Banker License, Pennsylvania Secondary
Mortgage Loan License, Pennsylvania Unlicensed (Subordinate Lien), and Pennsylvania Exemption Letter are not available for
loans with a closing date on or after January 1st, 2009.		    
1392257 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $1,040.66 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Refer with Caution” with a DTI of xx%.    
74226830 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Kansas $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial closing disclosure is missing from the loan documents.    
74226830 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Kansas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan has a qualified mortgage DTI of xx%. the borrower’s income is $xx and the total expenses are in the amount of $4,258.84 and the loan was underwritten by AUS/DUx9xx) and it’s recommendation is “Approve/Eligible” with a DTI of xx%.    
74226830 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Kansas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed the Kansas license validation test for one of the following reasons
Kansas SB 129 (2013 Kansas Laws Ch. 29) requires lenders who originate subordinate mortgage liens to be licensed under the Kansas Uniform Consumer Credit Code on or after July 1, 2013. After this date, lenders are no longer allowed to make subordinate lien loans under a Kansas License Using Interest Section 16-207 or its corresponding Exemption Letter.

Kansas K.S.A. 9-2201 requires that mortgage lien loans with a closing date on or after July 1, 2017 must be made under a Kansas Mortgage Company license. The Office of the State Bank Commissioner of Kansas has additionally clarified that after this date, lenders are no longer allowed to make mortgage lien loans under a Kansas Supervised Lender license.		    
74226830 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Kansas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the issues in which credit report was expired prior to closing, due to which the loan was self reported to HUD.    
74226830 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Kansas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID tolerance test is incomplete due to missing of initial closing disclosure from the loan documents.    
30726239 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $3,241.26 and the loan was underwritten by DU (locator# xx) and its recommendation is "Approve/Eligible” with a DTI of xx%.    
30726239 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charges $12,165.00 threshold is $10,410.32 over by +$1,754.68
Following fees were included in this test,
Administration Fee paid by Borrower: $1,365.00
Points - Loan Discount Fee paid by Borrower: $10,800.00


Loan failed Qualified Mortgage Lending Policy Points and Fees Test due to Fees Charged: $12,165.00 Fees Threshold: $10,410.32 Over by +$1,754.68. The following fees were included in the test:
Administration Fee paid by Borrower: $1,365.00
Points - Loan Discount Fee paid by Borrower: $10,800.00		    
30726239 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
7532927 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
7532927 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This Loan Failed Revised Closing Disclosure Delivery waiting period Test due to Changes before consummation requiring a new waiting period. APR becomes inaccurate.    
7532927 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final closing disclosure was hand signed on xx/xx/2021 which is after note date xx/xx/2021.    
7532927 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows, Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/2021 was electronically provided without or prior to borrowers consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xx/xx/2021) - Missing initial LE at application or evidence of intent to proceed after initial application date.    
7532927 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete California $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal summary is missing from the loan documents.    
7532927 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Final CD dated xx/xx/2021. Revised LE dated xx/xx/2021 reflect Points and Fees at $4,205.00, However, Final CD dated xx/xx/2021 reflect Points and Fees at $6,129.00. This is fee increase of $1,924.00 for 0% tolerance test fee. Valid COC is missing from the loan document.    
76912304 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
76912304 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan failed Compliance Ease delivery and timing test for Closing Disclosure dated xx/xx/2021. The initial closing disclosure receipt date is less than three business days from the consummation date.    
76912304 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) In purchase case, there should be Cooling off period of 5 business days. In this loan the waiting period is not satisfied.    
76912304 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2021. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2021. Note date is xx/xx/2021.    
27829187 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Post CD dated xx/xx/2021. Initial LE dated xx/xx/2021 reflects Points - Loan Discount Fee at $1,890.00. However, Post CD dated xx/xx/2021 reflects Points - Loan Discount Fee at $8,147.84. This is fee increase of +$6,257.84 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents.    
27829187 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows following Issue: Revised loan estimate provided on or after the date the closing disclosure was provided.    
27829187 xx xx xx 42fa4669-fe5d-412e-9c32-21b87047de7c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Revised Loan Estimate is missing (Lvl 3) Revised LE dated (xx/xx/2021) is missing from the loan documents.    
27829187 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
27829187 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard Insurance Policy is missing from the loan documents.    
34081428 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Utah $xx Credit Guidelines Active 2: Acceptable with Warnings * Loan does not conform to program guidelines (Lvl 2) Seller tape reflects following issue TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/2021 was electronically provided without or prior to borrowers consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. (Initial/xx/xx/2021) - Initial LE signed and dated xx/xx/2021. E-signature disclosure signed xx/xx/2021. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.    
34081428 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
34081428 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $6,540.80 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Ineligible” with a DTI of xx%.    
34081428 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot decrease test. Initial LE dated xx/xx/2021 reflects Non-specific lender credit at $5,489.00. However, Final CD dated xx/xx/2021 reflects Non-specific lender credit at $5,432.44. This is decrease of $56.56 for charges that cannot decrease. Valid COC for the decrease in NSLC is missing from the loan documents.    
85860124 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
85860124 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Initial loan estimate dated xx/xx/2021 electronically signed on xx/xx/2021 which is within 3 business days from application date xx/xx/2021. However, seller tape shows initial loan estimate electronically provided without or prior to borrower's consent to receive electronic disclosures.    
66712444 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx   QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,924.26 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
66712444 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows  Uninsurable- File closed with an appraisal dated after the underwriter approval date.    
66712444 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx   QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 does not reflect Rate Lock Extension Fee. However, CD dated xx/xx/2021 reflects Rate Lock Extension Fee at $781.03. This is an increase in fee of $781.03 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.

Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflects Appraisal Fee at $550.00. However, CD dated xx/xx/2021 reflects Appraisal Fee at $600.00. This is an increase in fee of +$50.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.		    
66712444 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
66712444 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx   QC Complete Arizona $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) This loan is FHA. MI Certificate is missing from the loan file.    
6788678 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx   QC Complete Colorado $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI certificate is missing from the loan documents.    
6788678 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx   QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership Counseling disclosure is missing from loan documents.    
6788678 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx   QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan approved at xx%. Tape shows Income miscalculation may push DTI to over xx%. Unable to rely on docs in file and unable to calc ATR.    
6788678 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx   QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was xx and total expenses are in the amount of $4,626.98 and the loan was underwritten by DU (locator xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
30409149 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $139,389.88. Calculated Finance Charge $139,504.88 for an under disclosed amount of $115.00. Reason for Finance Charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is a purchase, originated on xx/xx/2020 and the SOL is 1 year.    
49281748 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows appraisal waiver, we do not have 2020 tax transcripts.    
49281748 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase test. Initial LE dated 12/xx/20020 reflects Transfer Taxes at $1,306.00. However, Final CD dated xx/xx/2021 reflects Transfer Fee Taxes at $4,631.00 (Transfer Taxes of $1,306.00 Paid by Buyer and $3,325.00 Paid by Seller). This is an increase of $3,325.00 for charges that cannot increase.    
49281748 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Subject loan closed without an Appraisal. However, PIW disclosure signed by the borrower is missing from the loan documents.    
49281748 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) DU report is missing from the loan documents.    
10118081 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock agreement is missing from the loan file.    
10118081 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape data shows that, "Aged Note".    
10118081 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Ohio $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan document.    
10118081 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home Loan Toolkit disclosure and Disclosure Tracking are missing from the loan file.    
10118081 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed disclosure is missing from the loan file.    
10118081 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails Compliance Ease delivery and timing test for initial Closing Disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is less than 3 business days from the Consummation date xx/xx/2020.    
5441600 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows aged note.    
5441600 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
99357837 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows self-employed/aged note.    
77668825 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
77668825 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows Homeready/Aged note.    
77668825 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income was $xx and total expenses are in the amount of $965.70 and the loan was underwritten by AUS/LP (locator# xx) and its recommendation is “Approve/Eligible” with $xx%.    
31078632 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The Intent to proceed document is missing from loan documents.    
31078632 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) A rate lock agreement signed by the borrower is missing from the loan documents.    
31078632 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tapes shows aged note.    
31078632 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed TRID tolerance test charges that cannot increase 0% and charges that in total cannot increase more than 10% test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2020 which is digitally received on xx/xx/2020 which is more than 3 business days from initial application date 0xx/xx/2020.    
52976564 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
52976564 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%. The borrower's total income is $xx and total expenses are in the amount of $5459.98 The loan is underwritten using LP (locator# xx) and its recommendation is “Accept” with DTI of xx%.    
52976564 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD hand signed on xx/xx/2020. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2020. Note date is xx/xx/2020.    
52976564 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows aged note.    
97530717 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard insurance is missing from the loan documents.    
97530717 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 4.713% Exceeds APR threshold of 4.520% Over By +0.193%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
97530717 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) This loan has failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $1,108.59 and the loan was underwritten by LP (xx) and its recommendation is “Accept/Eligible” with a DTI of xx%.    
97530717 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $121,400.05. Calculated Finance charge is $121,644.84 for an under disclosed amount of $244.80. Reason for Finance Charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
97530717 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the issue as the credit report was expired due to which the score dropped.    
97530717 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
97530717 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID Tolerance test is incomplete due to missing of Initial closing disclosure from the loan documents.    
6778122 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard insurance policy is missing from the loan documents.    
6778122 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
6778122 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $60,467.89. Calculated Finance charge is $60,837.89 for an under disclosed amount of $370.00. Reason for Finance Charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
6778122 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial Closing Disclosure is missing from the loan documents.    
6778122 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS report is missing from the loan documents.    
6778122 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows aged note.    
6778122 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID tolerance test is incomplete due to Initial CD is missing from the loan documents.    
46284808 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing or error on the Rate Lock Document (Lvl 2) Rate lock agreement signed by the borrower is missing from the loan documents.    
46284808 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Michigan $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Market conditions addendum to the appraisal report is missing from the loan documents.    
46284808 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Guidelines Active 4: Unacceptable * Loan does not conform to program guidelines (Lvl 4) Subject loan pays off prior mortgage that may have been modified per tape defect. Original balance $xxK 12/xx and new loan balance $xxK 4/xx. Prior payment history not available but with increasing balance for the original loan may have been in major DLQ status. Elevated for client review.    
83601812 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing Transfer disclosure is missing.    
83601812 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
83601812 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Michigan $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file    
83601812 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right of Rescission is missing from the loan file.    
83601812 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
83601812 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Michigan $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
83601812 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Michigan $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
60933964 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Settlement date is xx/xx/2002 which is different from note date.    
60933964 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file    
81008406 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file    
81008406 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business agreement disclosure missing from the loan file.    
81008406 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) This is conventional loan. As per tape data, the MI coverage is 40.00%. However, MI certificate is missing from the loan file.    
81008406 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) HUD reflects settlement date xx/xx/2002. However, note date is xx/xx/2002.    
96216640 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
97545614 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An Appraisal report is missing from the loan file.    
97545614 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
97545614 xx xx xx 57ebb2cd-7596-4166-9bd9-6f932a9e2595 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
36492661 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete Wisconsin $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) As per review initial Escrow Disclosure is missing from loan file.    
36492661 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Wisconsin $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file    
36492661 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Wisconsin $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) As per review required Affiliated Business Disclosure is missing from loan file.    
36492661 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Wisconsin $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) As per review final truth-in-lending is missing from loan file.    
36492661 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Wisconsin $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 5.957%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
36492661 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Wisconsin $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) As per review Notice of Servicing Transfer is missing from loan file    
36492661 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Wisconsin $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.    
30459861 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The property is located in state of Texas. The following required State Disclosures are missing in the loan file.
1. TX Loan Agreement Notice
2. Commitment Requirement/Anti-Tying
3. TILA Disclosures in Spanish
4. Home Equity Consumer Disclosure
5. Home Equity Loan Interest and Fees Preclosing Disclosure  
6. Home Equity Loan Copies of Documents
7. Home Equity Loan Rescission Notice
8. Fair Market Value of Homestead Property Acknowledgment
9. Home Equity Loan Notice of Address for Borrower Notification of Violation
10. Choice of Insurance Notice
11. Collateral Protection Insurance Disclosure
12. Non-Deposit Investment Product Disclosure Are there any promotional materials?
13. Insurance Solicitation/Post Commitment Requirement
14. Construction Loan Disclosure		    
30459861 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
30459861 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) The loan was originated on xx/xx/2008 and settled on xx/xx/2008.    
37111940 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Wisconsin $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.

This loan failed the TILA foreclosure rescission finance charge test.

This loan failed the TILA APR test.		    
37111940 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Wisconsin $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer is missing from the loan file.    
37111940 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Wisconsin $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
37111940 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Wisconsin $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: Result: FAIL; Loan Data: $120,158.05; Comparison Data: $121,810.91; Variance: -$1,652.86.

TILA Foreclosure Rescission Finance Charge Test: Result: FAIL; Loan Data: $120,158.05; Comparison Data: $121,810.91; Variance: -$1,652.86.

TILA APR Test: Result: FAIL; Loan Data: 7.500% Comparison Data: 7.677% ; Variance:-0.177%.

This loan failed the TILA finance charge test.
The finance charge is $121,810.91. The disclosed finance charge of $120,158.05 is not considered accurate because it is
understated by more than $100.

This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $121,810.91. The disclosed finance charge of $120,158.05 is not considered accurate for purposes of
rescission because it is understated by more than $35.

This loan failed the TILA APR test.
The annual percentage rate (APR) is 7.677%. The disclosed APR of 7.500% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
37111940 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Wisconsin $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
16015561 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Finance Charge Test: FAIL   
Loan Data $83,173.86 Comparison Data $83,756.76 Variance -$582.90

TILA Foreclosure Rescission Finance Charge Test: FAIL
Loan Data $83,173.86 Comparison Data $83,756.76 Variance -$582.90		    
16015561 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) An affiliated business disclosure is missing from the loan file.    
16015561 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL   
Loan Data $83,173.86 Comparison Data $83,756.76 Variance -$582.90
This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )
The finance charge is $83,756.76. The disclosed finance charge of $83,173.86 is not considered accurate because it is understated by more than $100.

TILA Foreclosure Rescission Finance Charge Test: FAIL
Loan Data $83,173.86 Comparison Data $83,756.76 Variance -$582.90
This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h) )
The finance charge is $83,756.76. The disclosed finance charge of $83,173.86 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
16015561 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
88125682 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
88125682 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer disclosure is missing from the loan file.    
79575076 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file    
79575076 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
79575076 xx xx xx 57ebb2cd-7596-4166-9bd9-6f932a9e2595 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
79575076 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is "Moderate" as the loan is failing for TILA Finance Charge Test.    
79575076 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan is failing for TILA Finance Charge Test as;
The loan data is $288,032.19, the comparison data is $288,201.54, and the variance is -$169.35.
This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )The finance charge is $288,201.54. The disclosed finance charge of $288,032.19 is not considered accurate because it is understated by more than $100.		    
65887906 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Illinois $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application is missing from the loan file.    
65887906 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Illinois $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
47303774 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Federal TILA
TILA APR Test: FAIL
This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 6.375%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
47303774 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
47303774 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
47303774 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) As per the note the transaction date is xx/xx/2005, however; as per the HUD-1 settlement date is xx/xx/2005 which is different from the note date.    
47303774 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Maryland $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
47303774 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Maryland $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
47303774 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Federal TILA
TILA APR Test: FAIL		    
47303774 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Maryland $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The final 1003 as well as 1008 missing in the loan file. However, values are taken as note date and loan amount.    
47303774 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
44005927 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The property is located in state of California. The following required State Disclosure is missing in the loan file.
1. Impound Account Disclosure
2. Cosigner Notice
3. Private Mortgage Insurance Disclosure
4. Earthquake Disclosure forCondominiums
5. Hazard Insurance Disclosure
6. Insurer Recommendation Disclosure
7. CA Fair Lending Notice
8. Anti-Tying Disclosure
9. Privacy Notice
10. Notice of Right to Copy of Appraisal
11. Application for Credit-Married Persons
12. Fair Debt Collection Notice
13. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
44005927 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
24741379 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx Non-QM QC Complete Nevada $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) The loan was originated on xx/xx/2006 and settled on xx/xx/2006.    
24741379 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
24741379 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx Non-QM QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) “This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."    
24741379 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non-QM QC Complete Nevada $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
24741379 xx xx xx 08f7f0be-f4cf-4d4e-8244-193c7542c212 561 561-3210 xx Non-QM QC Complete Nevada $xx Compliance Doc Issues Active 3: Curable * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
88256928 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) ComplianceEase risk indicator is "Elevated" factor as follow:
This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.		    
22977396 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan files.    
22977396 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan files.    
22977396 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Tennessee $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application is missing from the loan files.    
22977396 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Tennessee $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
22977396 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Tennessee $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal is missing from the loan files.    
22977396 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Tennessee $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan files.    
52925605 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated business disclosure is missing from loan file.    
52925605 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Maryland $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An appraisal report at origination is missing from the loan file    
52925605 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Maryland $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
52925605 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from loan file.    
52925605 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) ComplianceEase TILA Test Failed.
This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 3.692%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
52925605 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is "Moderate".
This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 3.692%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
49997336 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan file.    
49997336 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated business disclosure is missing from the loan file.    
25768333 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete Colorado $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) The Initial Escrow Account Disclosure is missing from the loan file.    
25768333 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non-QM QC Complete Colorado $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) The loan program disclosure is missing from the loan file.    
25768333 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business disclosure is missing from the loan file.    
25768333 xx xx xx a0d5a3be-496f-41d6-a958-ce4e3ccae8fe 561 561-3210 xx Non-QM QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) "The operative index value is unable to be determined from the available loan files."    
8367924 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $368,842.13. The disclosed finance charge of $368,152.13 is not considered accurate because it is understated by more than $100.
The loan data is $368,152.13 and comparison data is $368,842.13; hence, the variance is -$690.00.		    
8367924 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.    
8367924 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Form is missing from loan docs.    
70904266 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
70904266 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
70904266 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test:  Result: FAIL; Loan Data: $214,520.99; Comparison Data:  $215,390.99; Variance:  -$870.00.
This loan failed the TILA finance charge test.
The finance charge is $215,390.99. The disclosed finance charge of $214,520.99 is not considered accurate because it is
understated by more than $100.

TILA Foreclosure Rescission Finance Charge Test: Result: FAIL ; Loan Data: $214,520.99; Comparison Data:  $215,390.99; Variance: -$870.00.
This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $215,390.99. The disclosed finance charge of $214,520.99 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
70904266 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.

This loan failed the TILA foreclosure rescission finance charge test.		    
20454596 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated business Disclosure is missing from loan file.    
20454596 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from loan file.
• TX Loan Agreement Notice.
• Commitment Requirement/Anti-Tying.
• TILA Disclosures in Spanish.
• Home Equity Consumer Disclosure.
• Home Equity Loan Interest and Fees Preclosing Disclosure.
• Home Equity Loan Copies of Documents.
• Home Equity Loan Rescission Notice.
• Fair Market Value of Homestead Property Acknowledgment.
• Home Equity Loan Notice of Address for Borrower Notification of Violation.
• Choice of Insurance Notice.
• Collateral Protection Insurance Disclosure.
• Non-Deposit Investment Product Disclosure Are there any promotional materials?
• Insurance Solicitation/Post Commitment Requirement.
• Construction Loan Disclosure.		    
20454596 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Notice of servicing transfer document is missing from loan file.    
20454596 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $124,258.34. The disclosed finance charge of $123,781.75 is not considered accurate because it is understated by more than $100.
TILA Finance Charge Test: FAIL Loan Data $123,781.75 Comparison Data $124,258.34 Variance -$476.59.		    
20454596 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The CE failed due to the TILA Finance Charge Test.    
23618609 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Florida $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An Appraisal report at origination is missing from the loan file.    
23618609 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
23618609 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer Disclosure is missing from the loan file.    
28751268 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business disclosure is missing from the loan file.    
28751268 xx xx xx 57ebb2cd-7596-4166-9bd9-6f932a9e2595 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) TIL is not hand dated by borrower.    
28751268 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
28751268 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer disclosure is missing from the loan file.    
28751268 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Texas $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An Appraisal report is missing from the loan file.    
28751268 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) ComplianceEase Risk Indicator is "Moderate" due to “This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."    
7990821 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in New Jersey State. The following required state disclosures are missing from the loan file.
1. NJ Application Disclosure
2. Delivery Fee Authorization
3. NJ Attorney Disclosure
4. Unacceptability of Insurance Notice
5. Attorney Disclosure II
6. Tax Bill Information
7. Private Well Testing
8. Lock-In Agreement
9. Commitment Disclosures
10. Choice of Insurer Disclosure
11. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
7990821 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
7990821 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete New Jersey $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
7990821 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
7990821 xx xx xx 57ebb2cd-7596-4166-9bd9-6f932a9e2595 561 561-3210 xx Non-QM QC Complete New Jersey $xx Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
7990821 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete New Jersey $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
77016222 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) An affiliated business disclosure is missing from the loan file.    
90654141 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in Indiana State. The following required state disclosures are missing from the loan file.
1. Hazard Insurance Disclosure
2. Federal Consumer Credit Protection Act Disclosure
3. Insurance Freedom of Choice Disclosure		    
90654141 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) GSE (Based on Fannie Mae Lender Announcements and Lender Letters)
GSE (Fannie Mae public guidelines) Seller Paid Points and Fees Exception Test: FAIL

GSE (Based on Freddie Mac Guide Bulletins and Industry Letters)
GSE (Freddie Mac public guidelines) Seller Paid Points and Fees Exception Test: FAIL

Secondary Market Exceptions and Loan Conditions
IN License Validation Test: FAIL		    
90654141 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
90654141 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
90654141 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
90654141 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) Secondary Market Exceptions and Loan Conditions
IN License Validation Test: FAIL
This loan failed the Indiana license validation test. (IN HEA 1359, Ind. Code § 24-4.5-1-101, Ind. Code § 24.4.4-1-101)
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009.		    
62602985 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.    
62602985 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file    
62602985 xx xx xx a0d5a3be-496f-41d6-a958-ce4e3ccae8fe 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Unable to confirm operative index value due to missing document.    
62602985 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.
The annual percentage rate (APR) is 4.881%. The disclosed APR of 0.000% is not considered accurate because it is more than
1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
62602985 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing in the loan file.    
62602985 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form is missing in the loan file.    
41757544 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Maryland $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal at the origination is missing from the loan file.    
41757544 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from loan files.    
41757544 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Maryland $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The Final 1003 (Application) is missing from the loan file.    
41757544 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from loan files.    
41757544 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Maryland $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing in loan file.    
41757544 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
41757544 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from loan files.    
41757544 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with Estimated HUD-1 or Itemization are missing from the loan file.    
81211023 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in Alabama State. The Choice of Insurer disclosure is missing from the loan file.    
13370467 xx xx xx 57ebb2cd-7596-4166-9bd9-6f932a9e2595 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Final TIL is not hand dated by the borrower.    
13370467 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) An affiliated business disclosure is missing from the loan file.    
13370467 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Illinois $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing in loan file.    
434004 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in Illinois State. The following required state disclosures are missing from the loan file.
1. IL Collateral Protection Insurance Notice
2. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
434004 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the given file.    
434004 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
434004 xx xx xx 57ebb2cd-7596-4166-9bd9-6f932a9e2595 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) TIL is not hand dated by the borrower.    
434004 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the given file.    
94007632 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Maryland $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing in loan file.    
94007632 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from the loan file.    
94007632 xx xx xx 57ebb2cd-7596-4166-9bd9-6f932a9e2595 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) TIL not hand dated by borrowers.    
94007632 xx xx xx 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Not all borrowers signed TIL (Lvl 2) Not all borrowers signed TIL.    
94007632 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Maryland $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An Appraisal report at origination is missing from the loan file.    
91945900 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with Estimated HUD-1 and Itemization are missing from the loan files.    
91945900 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing in loan file.    
91945900 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
91945900 xx xx xx 6d175d99-f2e3-4d75-80a0-682f8b85b1ea 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan files.    
91945900 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan files.    
91945900 xx xx xx e99b279c-a3fe-4039-91dc-3f33c0f684d9 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan files.    
91945900 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Virginia $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal is missing from the loan files.    
91945900 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
91945900 xx xx xx 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan files.    
91945900 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan files.    
91945900 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan files.    
91945900 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
91945900 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in Virginia State. The following required state disclosures are missing from the loan file.

1. VA Application Disclosure
2. Choice of Settlement Agent Disclosure
3. Disclosure of Charges for Appraisal or Valuation
4. Copy of Appraisal or Statement of Appraised Value		    
43018305 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete North Carolina $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
43018305 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $154,453.02. The disclosed finance charge of $154,025.77 is not considered accurate because it is understated by more than $100.
TILA Finance Charge Test: FAIL Loan Data $154,025.77 Comparison Data $154,453.02 Variance -$427.25.		    
43018305 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing in loan file.    
43018305 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The Compliance Ease risk indicator is moderate as this loan failed the TILA finance charge test.    
43018305 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
43018305 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the documents.    
43018305 xx xx xx 6d175d99-f2e3-4d75-80a0-682f8b85b1ea 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan file.    
43018305 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file.    
43018305 xx xx xx 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Good Faith Estimate missing or unexecuted (Lvl 2) Final good faith estimate is missing from the loan file.    
94031478 xx xx xx 6d175d99-f2e3-4d75-80a0-682f8b85b1ea 561 561-3210 xx Non-QM QC Complete Colorado $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan file.    
94031478 xx xx xx e99b279c-a3fe-4039-91dc-3f33c0f684d9 561 561-3210 xx Non-QM QC Complete Colorado $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan file.    
94031478 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Colorado $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An Appraisal report at origination is missing from the loan file.    
94031478 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Colorado $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer disclosure is missing from the loan file.    
94031478 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete Colorado $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account disclosure is missing from the loan file.    
50543059 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) AS per HUD-1 settlement date is xx/xx/2013 which is not aligned with the original note date xx/xx/2013.    
50543059 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The property is located in state of California. The following required State Disclosure is missing in the loan file.
1. Impound Account Disclosure
2. Cosigner Notice
3. Private Mortgage Insurance Disclosure
4. Earthquake Disclosure forCondominiums
5. Hazard Insurance Disclosure
6. Insurer RecommendationDisclosure
7. CA Fair Lending Notice
8. Anti-Tying Disclosure
9. Privacy Notice
10. Notice of Right to Copy of Appraisal
11. Application for Credit-Married Persons
12. Fair Debt Collection Notice
13. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
50543059 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Federal TILA
TILA Finance Charge Test: FAIL
This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )
The finance charge is $529,304.04. The disclosed finance charge of $517,303.37 is not considered accurate because it is understated by more than $100.

TILA Foreclosure Rescission Finance Charge Test: FAIL
This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h) )
The finance charge is $529,304.04. The disclosed finance charge of $517,303.37 is not considered accurate for purposes of rescission because it is understated by more than $35.

TILA APR Test: FAIL
This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) )
The annual percentage rate (APR) is 4.671%. The disclosed APR of 4.500% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
50543059 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing flood cert (Lvl 2) Flood certification is missing from the loan file.    
50543059 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Federal TILA
TILA Finance Charge Test: FAIL

TILA Foreclosure Rescission Finance Charge Test: FAIL

TILA APR Test: FAIL		    
50543059 xx xx xx d37b6b0d-52a6-40cb-8ba6-8980e85842cd 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR transaction date is not consistent with Note and HUD.    
50543059 xx xx xx 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
79389732 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Intent to Proceed Missing  (Lvl 2) Intent to Proceed is missing from the loan file.    
79389732 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM QC Complete Virginia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) An executed copy of Notice of Servicing Transfer disclosure is missing from the loan file.    
79389732 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM QC Complete Virginia $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
79389732 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM QC Complete Virginia $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) Copy of AUS is missing from the loan file.    
93043501 xx xx xx 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf 561 561-3210 xx QM QC Complete California $xx Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) As per Uniform Appraisal report the appraised value is $xx. However, the loan amount is $xx. LTV/CLTV shows xx% which exceeds xx%.    
93043501 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Federal TILA
TILA Finance Charge Test: FAIL

TILA Foreclosure Rescission Finance Charge Test: FAIL

Qualified Mortgage DTI Lending Policies
Qualified Mortgage DTI Threshold Test: FAIL		    
93043501 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Federal TILA
TILA Finance Charge Test: FAIL
This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )
The finance charge is $170,701.76. The disclosed finance charge of $169,233.86 is not considered accurate because it is understated by more than $100.

TILA Foreclosure Rescission Finance Charge Test: FAIL
This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h) )
The finance charge is $170,701.76. The disclosed finance charge of $169,233.86 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
93043501 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows defect as "Pandemic start date is xx/xx/2021”.    
22555650 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) CE Exception test failed due to,
This loan failed the Pennsylvania license validation test.
The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November 5th, 2008.The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a closing date before November 5th, 2008. Additionally, the Pennsylvania First Mortgage Banker License, Pennsylvania Secondary Mortgage Loan License, Pennsylvania Unlicensed (Subordinate Lien), and Pennsylvania Exemption Letter are not available for loans with a closing date on or after January 1st, 2009.		    
22555650 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Homeownership Counselling Disclosure is missing. (Lvl 2) Homeownership Counselling disclosure is missing from the loan file.    
22555650 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required Disclosures (Lvl 2) Home loan toolkit disclosure is missing from the loan file.    
22555650 xx xx xx 57ebb2cd-7596-4166-9bd9-6f932a9e2595 561 561-3210 xx QM QC Complete Pennsylvania $xx Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) TIL is not hand dated by borrower.    
47823308 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Utah $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in Utah State. The following state disclosures are missing in the loan file;
1) Fee Disclosure.
2) Loan Application Notice.
3) Servicer Disclosure.
4) Disclosure of Debtor’s Waiver of Class Action.		    
47823308 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Utah $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance-Ease risk indicator is Moderate due to TILA failed for Finance Charge Test,    
47823308 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Utah $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing in loan file.    
47823308 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Utah $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
47823308 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Utah $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test due to the finance charge is $191,698.90. The disclosed finance charge of $191,533.97 is not considered accurate because it is understated by more than $100.    
67837534 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated business disclosure is missing from loan file.    
67837534 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit card is missing in loan file.    
67837534 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is misisng from loan file.    
67837534 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Settlement date is different from note date.    
43021874 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The Final Loan Application is missing from the loan file.    
43021874 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The Affiliated Business Disclosure is missing from the loan file.    
43021874 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing in loan file.    
43021874 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final Truth in Lending is document is missing from the loan file.    
43021874 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Ohio $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An Appraisal report at origination is missing from loan file.    
43021874 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in the OH State. The following state disclosures are missing in the loan file;
1) Equal Credit Availability Notice.
2) Insurance Tying Disclosure.
3) Non-Deposit Insurance Disclosure.		    
43021874 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The Notice of Servicing transfer document is missing from loan file.    
43021874 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with Estimated HUD-1 and Itemization are missing from the loan file.    
40480412 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) The final TIL is missing from the loan file.    
40480412 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test.
Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) ,
transferred from 12 CFR §226.15(a)(3) )
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 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
40480412 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA APR test.
This loan failed the TILA right of rescission test.		    
40480412 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
3453046 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from loan documents.    
3453046 xx xx xx 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf 561 561-3210 xx QM-TRID QC Complete New York $xx Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) The subject loan is Investor. LTV/CLTV of the loan is exceeded xx% as the purchase price of the subject property ($xx) is less than the loan amount is $xx.    
3453046 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) As per net operating income is $xx and total annual payment is $xx and there DSCR ratio is -0.07 which is less than 1.00.    
44809374 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 does not reflect Appraisal Re-Inspection Fee. However, CD dated xx/xx/2021 reflects Appraisal Re-Inspection Fee at $100.00. This is an increase in fee of $100.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
44809374 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage Insurance certificate is missing from loan documents.    
44809374 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows HUD case was cancelled prior to loan closing.    
44809374 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
44809374 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Appraisal report dated xx/xx/2021 which is 120 days older than consummation date xx/xx/2021. However, appraisal report is located at (Locator xx) and 1004D is available at ( locator xx ) dated xx/xx/2021 which is after consummation date xx/xx/2021.    
8737958 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) A valid copy of Intent to Proceed is missing from the loan file.    
8737958 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home Loan Toolkit is missing from the loan file.    
8737958 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
8737958 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows defect as "Default xx not cleared prior to loan closing, processor trying to get cleared with xx cancellation requested xx/xx/2021”.    
38955939 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
38955939 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
38955939 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final CD is missing from the loan file.    
38955939 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Alabama $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issues. "Underwriting Issue: Credit report closed with expired credit report. Updated credit report pulled but too old to tie in DU”. Subject loan was a construction loan modified to permanent on 3/xx/21.    
70048082 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Arizona $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home is affixed. An Appraisal Report at the origination located at “xx” shows the type of subject property as a manufactured home. The Affidavit of Affixation located at “xx” states that the property is affixed to the permanent foundation. The VIN# is xx.    
70048082 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows the issue as single wide manufactured homes which are not located in PUD project, those properties are not allowed.    
70048082 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2021 reflects Recording fee at $60.00. However, Final CD dated xx/xx/2021 reflects the Recording fee at $90.00. This is a cumulative increase of $24.00 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.    
70048082 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2021. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2021. Note date is xx/xx/2021.    
70048082 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock provided expired on xx/xx/2021 and the loan closed on xx/xx/2021. No lock extension found in the loan documents.    
88031662 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issues. "Appraisal comps are not acceptable to FNMA” However, no such issue has been verified from the loan file.    
88031662 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Compliance Ease delivery and timing test Initial Loan Estimate dated xx/xx/2020. Document tracker proving the delivery of Initial Loan Estimate within 3 business days is missing from the loan documents.    
88031662 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
88031662 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Loan failed Compliance Ease delivery and timing test for Closing Disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is same as the Consummation date xx/xx/2020.    
88031662 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2020 delivered on xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.    
91324350 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) As per net operating income is $11,192.16 and annual payments (Debt Service) is $35,940.24 and there debt service cover ratio (DSCR) is 0.31 which is less than 1.    
91324350 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan closed at xx%. Tape shows unable to income miscalculation relying on REO of rental may push DTI over xx%. Subject loan is NOO.    
89680616 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer is missing from the loan documents.    
89680616 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
89680616 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Written list of service providers is missing from the loan documents.
Operating income sheet is missing from the loan documents.		    
89680616 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial Application (1003) is missing from the loan documents.    
89680616 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Doc Issue Active 3: Curable * Missing flood cert (Lvl 3) Flood certificate is missing from the loan documents.    
89680616 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership Counseling disclosure is missing from loan documents.    
89680616 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
89680616 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Required Affiliated business disclosure is missing from the loan documents.    
89680616 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard insurance is missing from the loan documents.    
89680616 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Ohio $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan documents.    
64688875 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $63,949.19. Calculated Finance charge is $64,087.24 for an under disclosed amount of $138.05. Reason for Finance Charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
64688875 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
14095064 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 does not reflect Points - Loan Discount Fee and Rate Lock Fee. However, CD dated xx/xx/2021 reflects Points - Loan Discount Fee and Rate Lock Fee at $245.39 and $545.30. This is an increase in fee of $790.69 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
14095064 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows, the findings were ran as one-unit rather than two-unit. So, the maximum LTV of 85% for 2 unit properties was missed and the loan closed with a xx% LTV.    
86244299 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Alabama $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI Certificate is missing from the loan file.    
86244299 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that cannot Increase test due to fee addition in Initial CD dated xx/xx/2021. Initial LE dated xx/xx/2021 does not reflect Appraisal Re-Inspection Fee.However, Initial CD dated xx/xx/2021 Appraisal Re-Inspection Fee at $150.00 Valid COC for the increase in fee is missing from the loan files.

TRID Violation in Charges that Cannot Increase test due to increase of fee in Initial CD dated xx/xx/2021. Initial LE dated xx/xx/2021 reflect Transfer Taxes at $251.00. However, Initial CD dated xx/xx/2021 reflect Transfer Taxes at $252.60 this is a fee increase of $1.60 for 0% tolerance fee test. Valid COC for the increase in Transfer taxes is missing from the loan documents.		    
86244299 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Non-Numeric Clerical Error and Post-Consummation Revised Closing Disclosure Delivery Date Test due to the post-consummation revised closing disclosure delivery date xx/xx/2021 is more than 60 calendar days after the consummation date xx/xx/2021. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
86244299 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower’s income is $xx and total expenses are in the amount of $8,011.13 and the loan was underwritten by AUS/DU (locator# xx). AUS reflects the post close DTI 63.17% with Refer/Eligible.    
86244299 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 4.630% Exceeds APR threshold of 4.490% Over By +0.140%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
86244299 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Alabama $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows this loan does not qualify to be insured with FHA due to the DTI and also TRID violation, timing issue. Can't be insured due to violations.    
75297971 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income was $xx and total expenses are in the amount of $1,973.67 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
75297971 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Your Home Loan Toolkit is missing from loan documents.    
75297971 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
75297971 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Doc Issue Active 4: Unacceptable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) 1004D missing from file. Per tape and appraisal in file, appraisal shows property not in good condition. Property may have insect tree damage and trees to close to structure that may have impact on foundation. Elevated for client review.    
77958786 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,899.21 and the loan was underwritten by DU (locator#  xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
77958786 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows Borrower was not employed at closing so using only Borrower 2 income DTI may be over xx%. The Co-borrower hourly wage and Assets were misrepresented. Unable to rely on docs in file and unable to calc ATR.    
67213072 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan approved at xx% Tape shows miscalculation in monthly expenses may push DTI xx% . Unable to rely on documents in file and unable to calculate ATR.    
67213072 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,170.38 and the loan was underwritten by LP(locator#xx) and its recommendation is “Approve/Eligible” with a DTI of xx% However, 1008 located at "xx shows DTI as xx% with recommendation Accept.    
43783482 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows BWR is a non-US citizen and has no lawful residency status in US. Stability of income and residency in question. Elevated for client review.    
43783482 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
43783482 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 reflects Appraisal fee at $500. However, CD dated xx/xx/2020 reflects Appraisal fee at $550. This is an increase in fee of $50 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
23026142 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape shows BWRs were not employed as disclosed and multiple income miscalculations may push DTI over xx%. Unable to rely on documents in file and unable to calculated ATR.    
23026142 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
23026142 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test.  Loan estimate dated xx/xx/2019 does not reflect Points-Loan Discount fee. However, CD dated xx/xx/2019 reflects Points-Loan Discount fee at $1,207.50. This is increase in fee of $1,207.50 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
23026142 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 49.924%. The borrower's income is $xx and total expenses are in the amount of $3,797.09. The loan is underwritten using AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
21891689 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test.
Loan estimate dated xx/xx/2019 reflect Points - Loan Discount Fee at $729.00. However, CD dated xx/xx/2020 Points - Loan Discount Fee at $2,573.42.
Loan estimate dated xx/xx/2019 does not reflects Appraisal Re-Inspection Fee. However, CD dated xx/xx/2020 reflects Appraisal Re-Inspection Fee at $150.00.
This is a cumulative increase in fee of $1,994.42 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.
Valid COC for the increase in fee is missing from the loan documents


Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2019 reflects the sum of Section C fees at $1,349.00. However, CD dated xx/xx/2020 reflects the sum of Section C at $1,940.00. This is a increase of $456.10 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.		    
21891689 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.147% Exceeds APR threshold of 5.070% Over By +0.077%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
21891689 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 5.147% Exceeds APR threshold of 5.070% Over By +0.077%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
21891689 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $1,896.82 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
21891689 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $8,674.42 Exceeds Fees threshold of $7,594.00 Over by +$1,080.42.
The below fees were included in the test:
Administration Fee paid by Borrower: $949.00
Mortgage Broker Fee (Indirect) $5,152.00
Points - Loan Discount Fee paid by Borrower: $2,573.42		    
21891689 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. Tape shows BWR was not employed at closing and file omitted debt and DTI was unable to be calculated. Unable to rely on docs in file and unable to calc ATR.    
21891689 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $8,674.42 Exceeds Fees threshold of $7,594.00 Over by +$1,080.42.
The below fees were included in the test:
Administration Fee paid by Borrower: $949.00
Mortgage Broker Fee (Indirect) $5,152.00
Points - Loan Discount Fee paid by Borrower: $2,573.42		    
49891118 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape shows asset misrepresentation based on inaccurate bank statements used and borrower does not hold any accounts with TD bank. Unable to rely on documents in file and unable to calculate ATR.    
49891118 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the Pennsylvania license validation test. (PA HB 2179 Section 6111)
The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a
closing date before November 5th, 2008. Additionally, the Pennsylvania First Mortgage Banker License, Pennsylvania Secondary
Mortgage Loan License, Pennsylvania Unlicensed (Subordinate Lien), and Pennsylvania Exemption Letter are not available for
loans with a closing date on or after January 1st, 2009.		    
28095747 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan closed at xx%. Tape shows flood insurance discrepancy. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
28095747 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
28095747 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 reflects Appraisal Fee at $550.00. However, CD dated xx/xx/2020 reflects Appraisal Fee at $950.00. This is an increase in fee of $400.00 for charges that cannot increase.

Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 reflects Credit Report Fee at $22.00. However, CD dated xx/xx/2020 reflects Credit Report Fee at $23.56. This is an increase in fee of $1.56 for charges that cannot increase.		    
28095747 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application is missing from the loan documents.    
87157729 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows BWR misrepresented type of income as BWR was approved as SE but there is a question on actual business data and income docs provided. Unable to rely on docs in file and unable to calc ATR.    
87157729 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2020 reflects Credit Report Fee at $25.00. However, Final CD dated xx/xx/2021 reflects Credit Report Fee at $51.60. This is an increase in fee of +$26.60 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
87157729 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan failed the GSE (Fannie Mae public guidelines) QM Points and Fees Test due to Fees Charged: $8,072.63 Fees Threshold: $7,979.61 Over by +$93.02. The following fees were included in the test:
Mortgage Broker Fee (Indirect) $7,917.25
Points - Loan Discount Fee paid by Borrower: $155.38		    
87157729 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Loan failed Qualified Mortgage Lending Policy Points and Fees Test due to Fees Charged: $8,072.63 Fees Threshold: $7,979.61 Over by +$93.02. The following fees were included in the test:
Mortgage Broker Fee (Indirect) $7,917.25
Points - Loan Discount Fee paid by Borrower: $155.38		    
87157729 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed charges that cannot decrease test. Initial LE dated xx/xx/2020 reflects Non-specific lender credit at $94.00. However, Final CD dated xx/xx/2021 reflects Non-specific lender credit at $0.00. This is decrease of $94.00 for charges that cannot decrease. Valid COC for the decrease in NSLC is missing from the loan documents.    
90165769 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 reflects Recording Service Fee at $179.00 and does not reflects Notary Fee. However, CD dated xx/xx/2020 reflects Recording Service Fee at $271.00 and Notary Fee at $125.00. This is an increase in fee of +$217.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
90165769 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflect that FHLMC Seasoned Loan.    
90165769 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan documents.    
33907574 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income was $xx and total expenses are in the amount of $1,809.54 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
33907574 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
33907574 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a
closing date before November 5th, 2008. Additionally, the Pennsylvania First Mortgage Banker License, Pennsylvania Secondary
Mortgage Loan License, Pennsylvania Unlicensed (Subordinate Lien), and Pennsylvania Exemption Letter are not available for
loans with a closing date on or after January 1st, 2009.		    
33907574 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Final CD dated xx/xx/2020. Initial LE dated xx/xx/2020 does not reflects Points - Loan Discount Fee. However, Final CD dated xx/xx/2020 reflects Points - Loan Discount Fee at $4,882.94. This is fee increase of $4,882.94 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents.    
33907574 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape shows this loan is Defective Agency loan.    
58828266 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
58828266 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
5360176 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
5360176 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows that this is FHLMC Seasoned loan.    
99087471 xx xx xx 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) Collateral Value used for Underwriting:  $xx. Amount of Secondary Lien(s):  $33,252.00. Loan Amount: $xx.  LTV= xx% /CLTV = xx%.    
99087471 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
99087471 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Your Home loan Toolkit is missing from the loan documents.    
99087471 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase test. Initial LE dated xx/xx/2021 reflects Transfer Taxes at $5,297.00. However, Post CD dated xx/xx/2021 reflects Transfer Fee Taxes at $8,752.52 (Transfer Taxes of $3,952.52 Paid by Buyer and $4,800.00 Paid by Seller). This is an increase of $3,455.52 for charges that cannot increase.    
99087471 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issues. "xxwithout counseling. FNMA denied exception. Unsalable. Program discontinued by FNMA.” However, no such issue has been verified from the loan file.    
73198684 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape shows that FNMA denied exception, program discontinued & CDA SmartBuy 2.0 without counseling.    
73198684 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
73198684 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS report is missing from the loan documents.    
73198684 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Doc Issue Active 3: Curable * Missing flood cert (Lvl 3) Flood Certificate is missing from the loan documents.    
73198684 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Maryland $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan documents.    
73198684 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
55729575 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS/DU report is missing from the loan documents.    
55729575 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
55729575 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows CDA smartBuy 2.0 without counseling. FNMA denied exception and program discontinued.    
55729575 xx xx xx 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit LTV Active 3: Curable * LTV or CLTV exceeds 104% (Lvl 3) Collateral Value used for Underwriting: $xx. Amount of Secondary Lien: $xx. Loan Amount: $xx. LTV / CLTV = xx%. However, LTV / CLTV exceeds xx%.    
99584620 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
99584620 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows Loan needed an appraisal (originally had a waiver) and borrower was uncooperative, and by the time appraisal was done, loan was seasoned beyond 6 months and could not be sold Agency.    
65900777 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) A rate lock agreement signed by the borrower is missing from the loan documents.    
65900777 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows lost appraisal waiver and closed without appraisal. PC appraisal came back low.    
28395808 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows BWR was not employed at closing. Unable to rely on docs in file and unable to calc ATR.    
28395808 xx xx xx fbdf2672-bb78-4d47-8239-175dbfaf8564 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Credit Active 3: Curable * Final Application Incomplete (Lvl 3) Final 1003 is not hand dated by borrower.    
28395808 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
28395808 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Michigan $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Market conditions addendum is missing from the loan documents.    
28395808 xx xx xx 9bfe3fe3-666b-4a7c-b18a-9b55264bd77c 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Doc Issue Active 3: Curable * HUD-1 is not signed by borrower (Lvl 3) Final CD is not hand dated by borrower.    
28395808 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Final transmittal summary of loan amount $xx is missing from the loan documents.    
20067628 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal Summary is missing from the loan documents.    
20067628 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
20067628 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows the issue as the subject loan has old GUS due to which new GUS can't be run without new application. Hence the loan is uninsurable.    
7572528 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $9,258.40 Exceeds Fees threshold of $6,646.51 Over by +$2,611.89.
The below fees were included in the test:

Mortgage Broker Fee paid by Lender: $3,454.55
Points - Loan Discount Fee paid by Borrower: $4,748.85
Underwriting Fee paid by Borrower: $1,055.00		    
7572528 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) This loan is USDA, due to old GUS loan unable to run new GUS without new application. However loan is uninsurable.    
40534622 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the TRID Post-Consummation Event Validation Test.
This loan has a post-consummation event date xx/xx/2021 that occurs on closing date xx/xx/2021 of the loan.		    
40534622 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD hand signed on xx/xx/2021. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2021. Note date is xx/xx/2021.    
40534622 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows Loan went into FB before sale and can't be sold to an agency.    
40534622 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
40534622 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $4,894.62 and the loan was underwritten by AUS/DU (locator#xx) and its recommendation is “Accept” with a DTI of xx%.    
10054266 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 5.516%, Exceeds APR threshold of 5.320% Over By +0.196%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
10054266 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan documents.    
10054266 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.516%. Exceeds APR threshold of 5.320% Over By +0.196. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
10054266 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved xx%. Tape shows monthly payment miscalculation may push DTI xx%. Unable to rely on docs in file and unable to calc ATR.    
10054266 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home Loan toolkit is missing from the loan documents.    
98083389 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $1,329.40 and the loan was underwritten by AUS/LP  (xx) and its recommendation is “Accept/Eligible” with a DTI of xx%.    
98083389 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows Ally Financial $xx debt that was not included in DTI may push DTI over xx%. Unable to rely on document in file and unable to calculate ATR."    
98083389 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $6,887.60 Exceeds Fees threshold of $5,170.27 Over by +$1,717.23.
The below fees were included in the test:   

Mortgage Broker Fee paid by Borrower: $1,718.00
Points - Loan Discount Fee paid by Borrower: $5,169.60

Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $6,887.60 Exceeds Fees threshold of $5,170.27 Over by +$1,717.33.
The below fees were included in the test:

Mortgage Broker Fee paid by Borrower: $1,718.00
Points - Loan Discount Fee paid by Borrower: $5,169.60		    
98083389 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
79476613 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject property is NOO. Subject approved at xx%. Tape shows other undisclosed additional monthly payment of $2,983 not included in DTI which may push DTI upto xx%.    
23270246 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
23270246 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to addition of fee in Final CD dated xx/xx/2020. Initial LE dated xx/xx/2020 does not reflects Guaranty Fee. However, Final CD dated xx/xx/2020 reflects Guaranty Fee at $25.00. This is fee increase of +$25.00 for 0% tolerance test fee. Valid COC for the addition of fee amount is missing from the loan documents.    
23270246 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2020. Revised LE dated xx/xx/2020 reflects Lender Credit at $4,552.00. However, Revised CD dated xx/xx/2020 reflects Lender Credit at $2,975.17. This is decrease of $1,576.83 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.    
23270246 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows borrower was not employed at closing.  Unable to rely on documents in file and unable to calculate ATR.    
89168661 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $7,497.05 Exceeds Fees threshold of $5,875.65 Over by +$1,621.40.
The below fees were included in the test:
Mortgage Broker Fee (Indirect) $3,517.50
Points - Loan Discount Fee paid by Borrower: $2,924.55
Underwriting Fee paid by Borrower: $1,055.00.		    
89168661 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape show retirement income not documented. Unable to rely on docs in file and unable to calc ATR.    
89168661 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
89168661 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $7,497.05 Exceeds Fees threshold of $5,875.65 Over by +$1,621.40.
The below fees were included in the test:
Mortgage Broker Fee (Indirect) $3,517.50
Points - Loan Discount Fee paid by Borrower: $2,924.55
Underwriting Fee paid by Borrower: $1,055.00.		    
28239463 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan is non-owner occupied. Seller Tape shows that out of AUS qualifying asset balance $xx, calculated qualifying asset balance is less.    
46029411 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the issue in which exterior only appraisal is mentioned in the loan documents due to which product guidelines does not meet the requirement of the loan. Per Tape, Exterior-Only appraisal not permitted on no cash-out refinance.    
46029411 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
28265677 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows subject loan is Uninsurable.    
28265677 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard Policy is missing from the loan documents.    
28265677 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
28265677 xx xx xx 3e7649ea-d4a6-431b-bedf-93e8df994bff 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) List of service Providers is missing from the loan documents.    
28265677 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
17282765 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 4: Unacceptable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) Loan closed without Appraisal. FMV disclosure is also missing from the loan file.    
17282765 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows loan started as a rate and term refinance but closed as cash-out. Loan is out of compliance as missing TX-A6 requirements. And loan does not have an appraisal.    
17282765 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
44739440 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller tape shows 3rd co-borrower was not employed at the time of closing. Unable to determine borrower's income. Unable to rely on docs in file and unable to calc ATR.    
44739440 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,782.73 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
46846836 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) Loan failed FHA QM Safe Harbor Test threshold test due to APR calculated 3.784% Exceeds APR threshold of 4.960% Over By -1.176%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
46846836 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) Loan failed the GSE (Fannie Mae public guidelines) QM Points and Fees Test due to Fees Charged: $7,289.88 Fees Threshold: $6,175.24 Over by +$1,114.64.
The following fees were included in the test:

Mortgage Broker Fee (Indirect) $5,301.08
Points - Loan Discount Fee paid by Borrower: $1,193.80
Underwriting Fee paid by Borrower: $795.00.		    
46846836 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $7,289.88 Exceeds Fees threshold of $6,175.24 Over by +$1,114.64.
The below fees were included in the test:

Mortgage Broker Fee (Indirect) $5,301.08
Points - Loan Discount Fee paid by Borrower: $1,193.80
Underwriting Fee paid by Borrower: $795.00.		    
46846836 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
46846836 xx xx xx 5999b056-0a92-4d3e-8d10-2845f424016b 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * State License Validation Test Fail (Lvl 3) Compliance failing for State Regulations. PA License Validation Test. In the state of PA, lender is licensed under state ID#xx. As a xx per xx web site.    
46846836 xx xx xx cd78c3d6-5980-4171-a589-a92d6a853351 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Rebuttable Presumption - defined by loan findings (Lvl 3) Loan failed the FHA QM Rebuttable Presumption Test due to Fees Charged: $7,289.88 Fees Threshold: $6,175.24 Over by +$1,114.64.
The following fees were included in the test:

Mortgage Broker Fee (Indirect) $5,301.08
Points - Loan Discount Fee paid by Borrower: $1,193.80
Underwriting Fee paid by Borrower: $795.00.		    
46846836 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows seasoning short of 12 months to use new appraisal value. HUD would not insure loan.    
46846836 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance document is missing from the loan documents.    
46846836 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) The Affiliated Business Disclosure is missing from the loan documents    
46846836 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,959.80 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
56674946 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan is non-owner occupied. Seller tape shows unable to use rental income since borrower doesn’t own a primary residence which may push DTI xx%.    
5752703 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 does not reflect Points - Loan Discount Fee and Broker's Fee. However, CD dated xx/xx/2020 reflects Points - Loan Discount Fee at $4,399.00 and Broker's Fee at $2,900.00. This is an increase in fee of $3,734.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
5752703 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. Income miscalculation may push DTI to over xx% and revised AUS not in file. Unable to rely on documents in file and unable to calculate ATR.    
5752703 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
5752703 xx xx xx ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * LE/CD Issue date test Fail (Lvl 3) Loan fails “Revised Loan Estimate Delivery Date test”. Revised Loan Estimate dated xx/xx/2020 is not signed by the borrower. Document tracker is also missing for this disclosure. The test fails because the Revised LE delivery date is after the Initial Closing Disclosure.

Loan fails Initial Closing Disclosure delivery date test; Initial CD dated xx/xx/2020 not signed by borrower added three days to get receipt date xx/xx/2020 that is after the consummation date xx/xx/2020. Document tracker is proving Initial CD is delivered within three business days is missing from the loan documents.		    
5752703 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
5752703 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,292.72 and the loan was underwritten by DU (locator#xx and its recommendation is “Approve/Eligible” with a DTI of xx%.    
39037846 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM APR test due to APR charged $5.922% Exceeds APR threshold of $5.320% Over by +0.602%. The below fees were included in the test.

Points - Loan Discount Fee paid by Borrower: $2,386.00
Processing Fee paid by Borrower: $295.00
Underwriting Fee paid by Borrower: $990.00		    
39037846 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape shows that due to high APR, loan is considered as non-QM loan.    
39037846 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) OK HOEPA Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 5.926% Exceeds APR threshold of 4.570% Over By +1.356%.

Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 5.926% Exceeds APR threshold of 4.570% Over By +1.356%. Subject loan is escrowed.		    
39037846 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
39037846 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan fails Qualified Mortgage Safe Harbor Threshold test APR Calculated 5.922% APR Threshold 4.570% Over By +1.352%. Subject loan is escrowed.    
20884838 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Indiana $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
20884838 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
20884838 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan file.    
20884838 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Indiana $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
20884838 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) his loan failed the Indiana license validation test. (IN HEA 1359, Ind. Code § 24-4.5-1-101, Ind. Code § 24.4.4-1-101) Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC. The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with a closing date before the Act's effective date of January 1, 2009.    
20884838 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) his loan failed the Indiana license validation test. (IN HEA 1359, Ind. Code § 24-4.5-1-101, Ind. Code § 24.4.4-1-101)    
20884838 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Indiana $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
37877767 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The service transfer disclosure is missing in the loan file.    
37877767 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Michigan $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Repot is missing from the loan file    
37877767 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Michigan $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application along with the initial application is missing from the loan file.    
37877767 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Michigan $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) The appraisal report is missing from the loan.    
37877767 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
37877767 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business form is missing in the loan file.    
37877767 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD along with the estimated hud and itemization of finance charge is missing from the loan file.    
19738797 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated Business Disclosure is missing from the loan file.    
19738797 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application is missing from the loan file.    
19738797 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
19738797 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of Servicing Transfer is missing from the loan file.    
19738797 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non-QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) This loan is FHA. However MI certificate is missing from the loan file.    
19738797 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Ohio $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
19738797 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from the loan file    
19738797 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final Hud-1 along with estimated Hud-1 and Itemization are missing from the loan file.    
19738797 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
66037257 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
66037257 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows flood insurance was provided for entire HOA but lender wants individual flood insurance. However, borrower has full and clean payment history.    
38021710 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approved at xx%. Tape shows that borrower also receives foster care income which is not accepted by the other investors. Unable to rely on docs in file and unable to calc ATR.    
38021710 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
38021710 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $1,742.00 per AUS/DU (locator#xx) and its recommendation is “Approve/Eligible with xx%.”.    
97137788 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails Compliance Ease delivery and timing test. Revised Closing Disclosure dated xx/xx/2021 not signed by borrower document tracker is missing and 3 business days were added to get receipt date xx/xx/2021 which is after the Consummation date xx/xx/2021.    
97137788 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
97137788 xx xx xx 9ec6b0ff-0814-48f3-bf27-388542488f94 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit AUS Active 3: Curable * Document(s) Required by AUS Missing from Loan file (Lvl 3) AUS/DU Report is missing from the loan documents.    
97137788 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal Summary (1008) is missing from the loan documents.    
97137788 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income was $xx and total expenses are in the amount of $4,012.60 at the time of origination. AUS report is missing from the loan documents.    
62947875 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) As per Net Operating Income is $xx and Annual Payments (Debt Service) is $xx and there Debt Service Cover Ratio (DSCR) is 0.67 which is less than 1.    
92738365 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income was $xx and total expenses are in the amount of $864.88 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
92738365 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Revised loan estimate dated xx/xx/2020 reflect Points - Loan Discount Fee at $1,101.00. However, Post CD dated xx/xx/2020 reflects Points - Loan Discount Fee at $1,551.00. This is an increase in fee of $450.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
92738365 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows cash-out refinance in forbearance in not eligible for delivery to FNMA.    
92738365 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed Compliance Ease delivery and timing test for Closing Disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is after the Consummation date xx/xx/2020.    
68959998 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows BWR was not employed at closing. Unable to rely on docs in file and unable to calc ATR.    
68959998 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Utah $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan document.    
9071652 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,016.25 and the loan was underwritten by AUS (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
9071652 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final application is missing from the loan documents.    
9071652 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows that cash out refinance in forbearance is not eligible for delivery to FNMA.    
9071652 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application signed loan officer is missing from the loan documents.    
63703171 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) The subject loan was approved at the DTI of xx%. The provided Seller’s tape is showing an alert that there is an undisclosed debt. Further details are not provided to confirm the same. Unable to rely on the documents in the loan file and unable to calculate ATR.    
63703171 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $1,743.00 and the loan was underwritten by AUS/DU (locator#xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
63703171 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. The finance charge is $55,366.55. The disclosed finance charge of $54,406.78 is not considered accurate because it is understated by more than $100. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.    
63703171 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) A copy of Notice of Servicing Transfer disclosure is missing from the loan file.    
63703171 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Delaware $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) A copy of Appraisal Report at origination is missing from loan file.    
42026822 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) A copy of Appraisal Report at origination is missing from loan file.    
42026822 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) A copy of Notice of Servicing Transfer disclosure is missing from the loan file.    
42026822 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income was $xx and total expenses are in the amount of $3,260.22 and the loan was underwritten by DU (locator#xx) and its recommendation is “Approve/Eligible” with xx%.    
42026822 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) The subject loan was approved at the DTI of xx%. Seller’s tape is showing that the borrower was not employed at the time of closing. Unable to rely on the documents in the loan file and unable to calculate ATR.    
42026822 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
83883209 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. seller tape shows income miscalculation. Unable to rely on documents in file and unable to calculate ATR.    
83883209 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit disclosure is missing from the loan file.    
29685086 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller tape shows that undisclosed liability may push DTI to over xx. Unable to rely on docs in file and unable to calc ATR.    
29685086 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 does not reflect Duplicate Tax Bill fee. However, CD dated xx/xx/2020 reflects Duplicate Tax Bill fee at $1.00. This is an increase in fee of $1.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
29685086 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed disclosure is missing from the loan documents.    
29685086 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test failed due to finance charge disclosed on final CD is $160,414.91. Calculated finance charge is $160,905.90. Test failed for under disclosed amount of $490.99. Reason for Finance Charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.
 

TILA Foreclosure Rescission Finance Charge Test failed due to finance charge disclosed on final CD is $160,414.91. Calculated finance charge is $160,905.90. Test failed for under disclosed amount of $490.99. Reason for Finance Charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.		    
29685086 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account disclosure signed by the borrower is missing from loan documents.    
4838217 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Loan Failed TILA Finance Charge Test due to finance charge disclosed on Final CD as $17,110.59. Calculated Finance charge is $17,851.23 for an under disclosed amount of $740.64. Reason for Finance Charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.    
4838217 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows borrower was not employed at the time of closing. Unable to rely on documents in file and unable to calculate ATR.    
4838217 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from loan documents.    
4838217 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard Insurance is missing from the loan documents.    
4838217 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account disclosure signed by borrower is missing from loan documents.    
4838217 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan documents.    
4838217 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
90804184 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject Approved at xx%. Tape shows undisclosed liability at closing. DTI may push to xx%. Unable to rely on docs in file and unable to calc ATR.    
90804184 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan documents.    
90804184 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure hand signed by borrower is missing from loan documents.    
90804184 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from the loan documents.    
28889805 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) The subject loan was approved at the DTI of xx%. The tape is showing that the alimony/child support income is not supported. Further details are not provided to confirm the same. Unable to rely on the documents in the loan file and unable to calculate ATR.    
28889805 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) A copy of Notice of Servicing Transfer disclosure is missing from the loan file.    
45100284 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial closing disclosure is missing from loan documents.    
45100284 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from the loan document.    
45100284 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial loan estimate is missing from the loan document.    
45100284 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
45100284 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer is missing from the loan documents.    
45100284 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the Pennsylvania license validation test.
Pennsylvania requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed. The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter are not available for loans with a closing date before November 5th, 2008. Additionally, the Pennsylvania First Mortgage Banker License, Pennsylvania Secondary Mortgage Loan License, Pennsylvania Unlicensed (Subordinate Lien), and Pennsylvania Exemption Letter are not available for loans with a closing date on or after January 1st, 2009.		    
45100284 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure is missing from the loan documents.    
45100284 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows seller didn't disclose MI on this loan, but closed it anyway.    
45100284 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) List of settlement service providers is missing from loan document.    
29649371 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Final transmittal summary is missing from the loan documents.    
29649371 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS/DU is missing from the loan documents.    
29649371 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase TRID Tolerance Test is Incomplete as Initial LE is missing from the loan documents.    
29649371 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial LE is missing from the loan documents.    
29649371 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Servicing transfer disclosure is missing from the loan documents.    
29649371 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the Pennsylvania license validation test due to the Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.		    
29649371 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
29649371 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) SSPL is missing from the loan documents.    
29649371 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects that loan closed as FHA but the borrower was not eligible because the co-borrower already had a property financed and insured with HUD and the borrower is not willing to cooperate.    
34412531 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete Maine $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Per tape subject is a condotel. Elevated for client review because not a standard NOO property. Subject is a unit in XX.    
8363353 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete Maine $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) Unable to calculate DSCR due to Form 1007 & Form 216 are missing in the appraisal report.    
8363353 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete Maine $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Per tape subject is a condotel. Elevated for client review because not a standard NOO property. Subject is a unit in XX.    
54984838 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete Maine $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Per tape subject is a condotel. Elevated for client review because not a standard second home type of property. Subject is a unit in a hotel with commercial amenities.    
54984838 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Maine $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) Test Incomplete as Initial CD is missing.    
54984838 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Maine $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (5.205%) is exceeded APOR (5.150%) by 0.055%. The APR threshold is 5.105% and the subject loan is escrowed one.

Qualified Mortgage Safe Harbor Threshold: FAIL     Charged: 5.205%    Allowed: 5.150%    Over by: +0.055%		    
54984838 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Maine $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) As per Disclosure Traker located at "xx" Initial CD was sent to borrower on xx/xx/2019. This Initial CD is missing in the loan file.    
61132154 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Maine $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $2,510.20 per AUS/DU (locator#xx) and its recommendation is “Approve/Eligible." with DTI xx%.    
61132154 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Maine $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) The Affiliated Business Disclosure was not in the file.    
61132154 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Maine $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) This loan is FHA. Required MI Certificate is missing from the loan file.    
61132154 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maine $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows defect as "Loan is not insurable. We have a 90 day flip violation. Loan is in conditional approval, closing in September, borrowers are very slow to respond. "    
34363403 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $3,013.74  and the loan was underwritten by LP (locator# xx) and its recommendation is “Accept” with a DTI of xx%.    
34363403 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) In VA refinance loans, there should be WAITING period or GAP of 210 days between the first payment date of existing mortgage which is getting paid off and between the closing of our new subject loans. In this loan the waiting period is not satisfied."    
34363403 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the TRID disclosure and changed circumstances date validation test due to A. Changed circumstance affecting settlement charges; or
B. Changed circumstance affecting eligibility; or
C. Revisions requested by the consumer; or
D. Interest rate dependent charges change once the interest rate is locked; or
E. Expiration of initial loan estimate; or
F. Delayed settlement date on a construction loan for new construction transactions only.		    
62146788 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approved at xx%. Tape shows, the appraised value ($xx) is less than the purchase price ($xx), the lower of the two should have been used to calculate LTV but purchase price was used instead. We need to wait for 6 months for the refi.    
62146788 xx xx xx b6f9224b-e74e-4cf1-a738-238dffa5df75 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Other Disclosures Active 3: Curable * VA Disclosures (Lvl 3) VA Loan Analysis and VA Loan Guaranty Certificate is missing from the loan file.    
1396201 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $3,932.25 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
1396201 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects loan is uninsurable due to VA seasoning not met.    
1396201 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
85812131 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The subject property is an Investment. The subject loan was approved at the DTI of xx%. The provided Seller’s tape is showing an alert that the subject loan will not qualify without rental income. The PITI alone is $xx  and her gross monthly income is $xx since her self employment income drastically declined in 2020. A refinance cannot start until borrower files her 2021. Further details are not provided to confirm the same.    
77437829 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject property was rented below market rent at the time of appraisal to a family member of the seller for $750.00 per month. Market rent per the form 216 was $1,050.00 per month. This was a private sale, not on MLS so and it needs to determine if the tenant is renting below market is also acquainted with the borrower. The borrower has no lease agreement with the tenant renting the unit. Since there is no lease agreement, Underwriters are allowed to use market rent. The previous tenant moved out and the borrower has a new tenant paying $1,500/month but there is still no lease agreement. Sent a formal rebuttal to the investor and are waiting for them to review and respond to it.    
61735496 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) A copy of Affiliated Business disclosure is missing from the loan file.    
61735496 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan is not saleable. The borrower lives in a foreign country and the loan was manually underwritten and it's an investment property.    
19235323 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Idaho $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $332,133.76. Calculated Finance Charge $332,413.76 for an under disclosed amount of $280.00. Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a purchase, originated on xx/xx/2019 and the SOL is 1 year.    
19235323 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Idaho $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape shows Freddie Mac repurchase request for income and debt calculation. Unable to rely on docs in file and unable to calc ATR.    
19235323 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Idaho $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure signed by borrower is missing from loan documents.    
19235323 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Idaho $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $9,049.52 and the loan was underwritten by DU/AUS is missing from the loan documents.    
19235323 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Idaho $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
19235323 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Idaho $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan was repurchased.    
19235323 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Idaho $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS/DU is missing from the loan documents.    
99156696 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income was $xx and total expenses are in the amount of $3,541.86 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
99156696 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan was repurchased.    
99156696 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows income miscalculation. Further details not provided. Unable to rely on documents in file and unable to calculate ATR.    
99156696 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Your Home Loan Toolkit is missing from the loan documents.    
26175594 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Oregon $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
26175594 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Oregon $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan was repurchased.    
26175594 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Oregon $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial Application is missing from the loan documents.    
26175594 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account disclosure signed by borrower is missing from loan documents.    
26175594 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2020. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2020. Note date is xx/xx/2020.    
26175594 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * Right of Rescission missing or unexecuted (Lvl 3) Right of Rescission is missing from the loan documents.    
72280186 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home is affixed. According to the appraisal report (xx) dated xx/xx/2019, the subject property type is Manufactured Home. The tax search report shows separate tax assessment for land and improvements. Updated title report dated xx/xx/2020 shows that subject property type is Manufactured and VIN # xx. The Title policy is missing from the loan file. Also the Serial Number # xxxx number is available in the legal description of the subject mortgage. However, Affixation document (located xx) shows that home is affixed with permanently to the land and document contains the legal description same as mortgage legal.    
72280186 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.739%. Exceeds APR threshold of 5.530% Over By +0.209%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
72280186 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow account disclosure is missing from the loan documents.    
72280186 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2019. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2019. Note date is xx/xx/2019.    
72280186 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed disclosure is missing from the loan documents.    
72280186 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows BWR was not employed at closing. Unable to rely on docs in file and unable to calc ATR.    
54625301 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 6.153%. Exceeds APR threshold of 5.220%. Over By +0.933%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
54625301 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 6.153%. Exceeds APR threshold of 5.220%. Over By +0.933%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
54625301 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure signed by borrowers is missing from loan documents.    
54625301 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that Housing Finance Agency preferred 30 years duration. Final CD was not signed by the borrower due to which Post-Consummation CD hand signed by the borrower was taken into consideration at the time of closing. An issue was caused in the system outage and final CD was declined.    
7011599 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
7011599 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan is NOO. Tape shows insufficient documentation of monthly rent payment if borrower is responsible for paying it.    
7011599 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
7011599 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account disclosure signed by borrower is missing from loan documents.    
68455753 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.608% Exceeds APR threshold of 5.190% Over By +0.418%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
68455753 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 5.608% Exceeds APR threshold of 5.190% Over By +0.418%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
68455753 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,026.03 and the loan was underwritten by AUS/DU (locator#xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
68455753 xx xx xx 411fa7d7-c445-4fa7-9dc2-654417d64e3c 561 561-3210 xx QM-TRID QC Complete Nevada $xx Valuation Property Active 2: Acceptable with Warnings * Property is Mobile Home (Lvl 2) Home is affixed.
Subject property is manufactured and proof of affixation of the property permanently to the land is available in the loan documents(xx).		    
68455753 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Nevada $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows, EPD no further details available in the loan documents.    
68455753 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Nevada $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Your Home loan Toolkit is missing from the loan documents.    
68455753 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account disclosure signed by borrower is missing from loan documents.    
68455753 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
52639608 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) The home is affixed.
According to the appraisal report, the subject property is Manufactured Home. Final title policy is missing to check ALTA 7 endorsement. Affidavit of affixation is missing from loan file. However, Serial#xx is available in the legal description of recorded mortgage.		    
52639608 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $1,679.62 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
52639608 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows undisclosed auto loan, DTI may push higher. Unable to rely on docs in file and unable to calc ATR.    
52639608 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure signed by borrower is missing from loan documents.    
52639608 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
58854438 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Your Home Loan Toolkit is missing from the loan documents.    
58854438 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Per tape subject is a condotel. Elevated for client review because not a standard NOO property.    
12753092 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
12753092 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Your Home loan Toolkit is missing from the loan documents.    
12753092 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account Disclosure is missing from Loan Document.    
12753092 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $4,744.68 and the loan was underwritten by LP (xx) and its recommendation is “Accept” with a DTI of xx%.    
12753092 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Per tape subject is a condotel. Elevated for client review because not a standard second home type of property. Subject is a unit in a hotel with commercial amenities.    
12753092 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges than in total cannot increase more than 10% test. LE dated xx/xx/2020 reflects the sum of Section C and Recording fees at $40.00. Final CD dated xx/xx/2020 reflects the sum of Section C and recording fee at $49.05 this is an increase of $5.05 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.    
3859339 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage FHA Safe Harbor threshold test due to APR calculated 5.649% Exceeds APR threshold of 5.240% Over By +0.409%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.

Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.649% Exceeds APR threshold of 5.590% Over By +0.059%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.

This loan failed the tax service fee test.
The loan charges a tax service fee. Mortgagors may not pay a tax service fee on mortgages endorsed for FHA-insurance.		    
3859339 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows underwrite error and DU may be invalid. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
3859339 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 5.649% Exceeds APR threshold of 5.590% Over By +0.059%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
3859339 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $1,578.88 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Accept” with a DTI of xx%.    
3859339 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM QC Complete Georgia $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home Loan Toolkit disclosure is missing from the loan documents.    
3859339 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows LHFI - Uninsurable, u/w error. Uninsurable. Per FHAC, case is ZFHA invalid, U/W to say if DU figures accurate.    
3859339 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM QC Complete Georgia $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Missing Signed Initial Escrow Account Disclosure from the loan documents.    
26462291 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete Missouri $xx Compliance Compliance Active 3: Curable * Right of Rescission missing or unexecuted (Lvl 3) Right of rescission is missing from the loan documents.    
26462291 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Missouri $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure signed by borrower is missing from loan documents.    
26462291 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Missouri $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan was repurchased.    
26462291 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Missouri $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
75086824 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the source of down payment is coming from an ineligible source & its violating the terms of first mortgage.    
73044438 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Right of Rescission missing or unexecuted (Lvl 3) Right of rescission is missing from the loan documents.    
73044438 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
73044438 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan was repurchased.    
73044438 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure signed by borrower is missing from loan documents.    
73044438 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
68713952 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial closing disclosure is missing from loan document.    
68713952 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete Colorado $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Per tape subject is a condotel. Elevated for client review because not a standard second home type of property. Subject is a unit in a hotel with commercial amenities.    
68713952 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
68713952 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from loan documents.    
87592699 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete Utah $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) As per net operating income is $xx and annual payments (Debt Service) is $1,967.00 and there debt service cover ratio (DSCR) is 0.15 which is less than 1.    
87592699 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow account disclosure is missing from the loan documents.    
87592699 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete Utah $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Tape and review of appraisal raise overall concerns in the property. There is a question as to whether the 4 units are separate units with separate entrances. There is a mention of lockable doors but appraisal does not show separate entrances for each unit. There does not appear to be 5 units as the tape shows. Elevated for client review based on size of loan ($xxK), occupancy status (NOO) and appraisal pictures and layout.    
62941941 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete Oregon $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) As per net operating income is $xx and annual payments (Debt Service) is $xx and the debt service cover ratio (DSCR) is 0.39 which is less than 1.    
62941941 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure is not signed by borrower.    
62941941 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Oregon $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject property is NOO. Seller tape shows repurchase from AmeriHome due to Ineligible Borrower status being DACA C33. This is an overlay for AmeriHome. The loan was underwritten as FHLMC. DACA recipients are ineligible for FHLMC.    
32271162 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
  
Higher-Priced Mortgage Loan Test: FAIL      Charged: 4.474%      Allowed: 4.330%     Over by: +0.144%		    
32271162 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Final CD reflects closing date as xx/xx/2020.  Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2020.  Note date is xx/xx/2020.    
32271162 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
32271162 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (4.474%) is exceeded APOR (5.330%) by 0.144%. The APR threshold is 4.330% and the subject loan is escrowed one.

Qualified Mortgage Safe Harbor Threshold: FAIL     Charged: 4.474%    Allowed: 4.330%    Over by: +0.144%		    
32271162 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows defect as "Loan closed with rate of 3.75% and should have been 4.50%. A program change (income >80% AMI) required the rate change to 4.50%"    
32271162 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure missing in loan file.    
32271162 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan has failed Charges That Cannot Increase Test, because Initial LE dated xx/xx/2020 shows Appraisal Fee at $585.00, however Final CD dated xx/xx/2020 shows Appraisal Fee at $775.00. This is a fee increase of $190.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
32271162 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home tool kit and disclosure tracking missing in loan file.    
14688333 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
14688333 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Right of Rescission missing or unexecuted (Lvl 3) Right of rescission is missing from the loan documents.    
14688333 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
14688333 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure signed by borrower is missing from loan documents.    
14688333 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan was repurchased.    
92699861 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects following issue, "Appraisal issue. The subject mortgage was completed as a cash-out refinance transaction on an exterior-only appraisal. However, an exterior -only appraisal is not permitted.    
92699861 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) 1. Subject requires Full Appraisal Report. File contained only 'Exterior-Only Inspection Residential Appraisal Report' located at "xx".
2. Seller tape shows the property is Mobile Home. Available Exterior-Only appraisal is showing property is SFR-PUD.
3. As per 1008 Form 1004C is required and file contained only Fannie Mae Form 2055.		    
92699861 xx xx xx 411fa7d7-c445-4fa7-9dc2-654417d64e3c 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Valuation Property Active 2: Acceptable with Warnings * Property is Mobile Home (Lvl 2) Home is affixed. An Appraisal Report at the origination is missing from the loan file. The tape shows the type of subject property as a mobile home. The Manufacture Housing Unit Rider located at “xx”, states that the property is affixed to the permanently foundation. The VIN# is xx." The final title policy is missing from the loan file. Also, the VIN# is not available in the legal description of the recorded mortgage.    
92699861 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $1,882.90 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
92699861 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account disclosure signed by borrower is missing from loan documents.    
92699861 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
74096158 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Doc Issues Active 1: Acceptable * Settlement date is different from note date (Lvl 1) Final CD reflects closing date as xx/xx/2020.  Notary signature date on the Mortgage/Deed of Trust is xx/xx/2020.  Note date is xx/xx/2020.    
74096158 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Oregon $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
74096158 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from the loan file.    
74096158 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Oregon $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan was repurchased.    
74096158 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure or Signed escrow waiver is missing from the loan file.    
74096158 xx xx xx b6f9224b-e74e-4cf1-a738-238dffa5df75 561 561-3210 xx QM-TRID QC Complete Oregon $xx Credit Other Disclosures Active 3: Curable * VA Disclosures (Lvl 3) VA Loan Analysis is missing from the loan file.    
74096158 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * Right of Rescission missing or unexecuted (Lvl 3) Right of Rescission signed by borrower is missing from the loan file.    
54169244 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from the loan file.    
54169244 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject NOO approved at xx%. Tape shows income miscalculation and DU came back as approve/ineligible at xx%.    
92027905 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure is missing from the loan file.    
92027905 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of Servicing Transfer disclosure is missing from the loan file.    
92027905 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2020.  Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2020.  Note date is xx/xx/2020.    
92027905 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
92027905 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Right of Rescission missing or unexecuted (Lvl 3) ROR is missing from the loan file.    
92027905 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan was repurchased.    
70702114 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Kansas $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure is missing from the loan document.    
70702114 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete Kansas $xx Compliance Compliance Active 3: Curable * Right of Rescission missing or unexecuted (Lvl 3) Right of rescission is missing from the loan document.    
70702114 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Kansas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the Kansas license validation test.
This loan failed the Kansas license validation test for one of the following reasons:
Kansas SB 129 (2013 Kansas Laws Ch. 29) requires lenders who originate subordinate mortgage liens to be licensed under the Kansas Uniform Consumer Credit Code on or after July 1, 2013. After this date, lenders are no longer allowed to make subordinate lien loans under a Kansas License Using Interest Section 16-207 or its corresponding Exemption Letter.

Kansas K.S.A. 9-2201 requires that mortgage lien loans with a closing date on or after July 1, 2017 must be made under a Kansas Mortgage Company license. The Office of the State Bank Commissioner of Kansas has additionally clarified that after this date, lenders are no longer allowed to make mortgage lien loans under a Kansas Supervised Lender
license.		    
70702114 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Kansas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2020 reflects the sum of Section C fees and Recording fee at $276.00. However, Final CD dated xx/xx/2020 reflects the sum of Section C and Recording fee at $331.00. This is a cumulative increase of $27.40(paid by lender) for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.    
79968360 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. Income miscalculation may push DTI higher. Unable to rely on docs in file and unable to calc ATR.    
79968360 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% the Borrower income was $xx  and total expenses are in the amount of $xx and the loan was underwritten by LP (locator -xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
79968360 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
79968360 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account Disclosure is missing from the loan document.    
79968360 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan was repurchased.    
79968360 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2020. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2020. Note date is xx/xx/2020.    
79968360 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 reflects Appraisal Fee at $575.00. However, Initial CD dated xx/xx/2020 reflects Appraisal Fee at $650.00. This is an increase in fee of $75.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
96691676 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx QM-TRID QC Complete Missouri $xx Compliance Compliance Active 3: Curable * ComplianceEase State Regulations Test Failed (Lvl 3) Prohibited Fees First Lien Test due to Fees charged $2,521.00 Fees threshold $0.00 Over By +$2,521.00
The below fees were included in the test:

Administration Fee paid by Borrower: $995.00
Points - Loan Discount Fee paid by Borrower: $1,307.00
Processing Fee paid by Borrower: $130.00
Tax Service Fee paid by Borrower: $64.00
Wire Transfer Fee paid by Borrower: $25.00		    
96691676 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Missouri $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approve at xx%. Seller tape shows, refinance loan closed with an exterior appraisal.    
96691676 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Missouri $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure is missing from the loan document.    
8037758 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow signed by borrower is missing from the loan document.    
8037758 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required Disclosures (Lvl 2) Home Loan Toolkit is missing from the loan file.    
8037758 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 reflects Tax Service Fee at $64.00. However, Initial CD dated xx/xx/2020 reflects Tax Service Fee at $75.00. This is an increase in fee of $11.00 (paid by lender) for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.

Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2020 reflects the sum of Section C fees and Recording fee at $154.00. However, Final CD dated 925/2020 reflects the sum of Section C and Recording fee at $194.00. This is a cumulative increase of $24.60 (Paid by lender) for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.		    
8037758 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan was repurchased.    
8037758 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from the loan file.    
70114612 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Missouri $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit disclosure is missing from the loan file.    
70114612 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Missouri $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure is not signed by borrower.    
70114612 xx xx xx c39e5f9c-f158-4bb6-a13c-aaae3beee8ff 561 561-3210 xx QM-TRID QC Complete Missouri $xx Valuation Property Active 4: Unacceptable * Subject Property has been determine uninhabitable/Unsuitable to live in (Lvl 4) As per tape data, the appraiser states that the subject property is not in livable condition. Photos show water seepage from the walls and mold and it takes $15,000.00 cost to cure. The repairs were cosmetic in nature and do not seem to be structural. As per the appraisal report dated xx/xx/2021, the condition is C4 (adequately maintained). No comments have been found regarding damage in the servicing comments.    
47559164 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape shows discrepancy over $600 BMW lease and new $300 auto debt. Clarity and impact on DTI not in file. Unable to rely on docs in file and unable to calc ATR    
47559164 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $4,403.91 and the loan was underwritten by AUS (locator# xx) and its recommendation is “Approve/Eligible” DTI of with xx%.    
47559164 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 5.710% Exceeds APR threshold of 5.050% Over By +0.660%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.


Loan failed CA AB 260 Higher-Priced Mortgage Loan Test due to APR calculated 5.710% Exceeds APR threshold of 5.050% Over By +0.660%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.		    
47559164 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.710% Exceeds APR threshold of 5.050% Over By +0.660%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
47559164 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Final CD reflects closing date as xx/xx/2020. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2020. Note date is xx/xx/2020.    
47559164 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure is not signed by the borrower.    
47559164 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan file.    
52201555 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) The settlement date mentioned in the final CD is xx/xx/2020. However, the original note date is xx/xx/2020.    
52201555 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Nevada $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
52201555 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the Veterans Affairs IRRRL unpaid principal balance validation test. This loan contains a value for one, but not both of the following fields:The loan is a VA interest rate reduction refinance loan (IRRRL), but the unpaid principal balance was not provided. The unpaid principal balance is necessary to correctly calculate the 1% loan origination fee threshold for VA IRRRL loans.    
52201555 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) An executed copy of the initial escrow account disclosure is missing from the loan file.    
52201555 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 3: Curable * Right of Rescission missing or unexecuted (Lvl 3) An executed copy of ROR/NRTC is missing from the loan file.    
52201555 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) An executed copy of the notice of servicing transfer disclosure is missing from the loan file.    
52201555 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
52201555 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Nevada $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan was repurchased.    
48688795 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
48688795 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure signed by the borrower is missing from the loan documents.    
48688795 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan was repurchased.    
10040789 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows, Borrower was unemployed at closing. Unable to relay on income document in file and unable to calculate ATR.    
10040789 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE delivery and timing test. Initial LE dated xx/xx/2020 delivered on xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.    
10040789 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
10040789 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure is missing from the loan documents.    
10040789 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from loan documents.    
10040789 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from loan documents.    
10040789 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Initial Loan Estimate Delivery Date Test (from application) failed due to Initial LE dated xx/xx/2020 delivered on xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.    
73962274 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 4.809% exceeds APR threshold of 4.630% Over By +0.179%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
73962274 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 4.809% exceeds APR threshold of 4.630% Over By +0.179%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
73962274 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows that per HUD the Case/Loan is not Eligible for FHA Financing. Seller received approval from GNMA to buyout on xx/xx/2020.    
73962274 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed FHA QM Safe Harbor threshold test due to APR calculated 4.809% exceeds APR threshold of 4.719% Over By +0.090%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
73962274 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure is missing from the loan documents.    
73962274 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
73962274 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed ComplianceEase delivery and timing test. Initial LE dated xx/xx/2019 is digitally received on xx/xx/2019 which is more than 3 business days from initial application date xx/xx/2019.

Loan failed TRID tolerance test charges that cannot increase 0% and charges that in total cannot increase more than 10% test due to loan failed Initial LE delivery and timing test. Initial LE dated xx/xx/2019 is digitally received on xx/xx/2019 which is more than 3 business days from initial application date xx/xx/2019.		    
35779034 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 5.813% Exceeds APR threshold of 5.510% Over By +0.303%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
35779034 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.813% Exceeds APR threshold of 5.510% Over By +0.303%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
35779034 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% Tolerance test. Initial LE dated xx/xx/2017 does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/2017 reflects the addition of Points - Loan Discount Fee at $468.32. This is an increase of $468.32 for charges that cannot increase 0% test. However, COC for the addition of Points - Loan Discount Fee is missing from the loan documents.    
35779034 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Compliance Ease delivery and timing test for Closing Disclosure dated xx/xx/2017. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2017 which is not within 3 business day from the Consummation date xx/xx/2017.    
35779034 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows EPD further details not available in loan documents.    
35779034 xx xx xx 399d40af-a75c-4340-9c3c-97eadb98a8dc 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 2: Acceptable with Warnings * Cash out purchase (Lvl 2) The subject loan is a purchase case. However, the final CD date xx/xx/2017 reflects cash to in the amount of $8,774.15.    
35779034 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure signed by borrower is missing from loan documents.    
66272126 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
66272126 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan has failed Charges That Cannot Increase Test, because Initial LE dated xx/xx/2020 shows Loan Origination Fee at $2,445.00, however Final CD dated xx/xx/2020 shows Loan Origination Fee at $2,445.28. This is a fee increase of $0.28 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.

This loan has failed Charges That In Total Cannot Increase More Than 10% Test.
Recording Fee was disclosed as $176.00 on initial LE and it was disclosed as $328.00 on Final CD. The difference is of $152.00. Which is greater than 10%.		    
66272126 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issues. "Issue: USB Bonds, Loan 3051351 was reserved as Freddie xx% AMI but closed over xx% AMI. We have spoken to our finance team and in order to move this one to over 80% AMI, The cost would be the 2% LLPA that. Again and xx won’t buy it.”    
40617362 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.155% exceeds APR threshold of 4.740% Over By +0.415%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
40617362 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 5.155% exceeds APR threshold of 4.740% Over By +0.415%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
40617362 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows that loan originally had a sales price of $xx, the appraisal came in low at $xx, the price was re-negotiated to $xx. The DU in file shows the loan as Approve/Ineligible. The loan amount calculation should have been based on the $xx appraised value but cannot change loan amount after loan closed and all loan documents were drawn at $154,660.00 which is not accurate.    
40617362 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage Insurance certificate is missing from the loan documents.    
40617362 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 does not reflect Appraisal re-inspection fee. However, CD dated xx/xx/2020 reflects Appraisal re-inspection fee at $150.00. This is an increase in fee of $150.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
40617362 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account disclosure signed by borrower is missing from loan documents.    
40617362 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
40617362 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%. The borrower's income is $xx and total expenses are in the amount of $1,289.19. The loan is underwritten using DU (locator# xx) and its recommendation is “Approve/Ineligible” with a DTI of xx%.    
22256272 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Idaho $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Your home loan toolkit is missing from the loan documents.    
22256272 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Idaho $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows, Early Payment Default.    
22256272 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Idaho $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account disclosure signed by borrower is missing from loan documents.    
65111562 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Idaho $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income was $xx and total expenses are in the amount of $1,361.59 and the loan was underwritten by DU (locator#xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
65111562 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Idaho $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2019. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2019.  Note date is xx/xx/2019.    
65111562 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Idaho $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject FHA approved at xx%. Tape shows, gift funds came from a cousin which is not acceptable by FHA. AUS reflects funds required at closing $20,000.00.    
65111562 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Idaho $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard insurance policy is missing from the loan documents.    
65111562 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Idaho $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Your home loan toolkit is missing from the loan documents.    
65111562 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Idaho $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure signed by borrower is missing from loan documents.    
22695660 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.944% Exceeds APR threshold of 5.210% Over By +0.734%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.


Loan failed FHA QM Safe Harbor Test threshold test due to APR calculated 5.944% Exceeds APR threshold of 5.703% Over By +0.241%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.		    
22695660 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,668.00 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
22695660 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 5.944% Exceeds APR threshold of 5.210% Over By +0.734%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed    
22695660 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Your home loan toolkit is missing from loan documents.    
22695660 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan was repurchased.    
22695660 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account Disclosure is missing from loan documents.    
22695660 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage Insurance Certificate is missing from loan documents.    
99767711 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test test due to APR calculated 4.873% Exceeds APR threshold of 4.800% Over By +0.073%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
99767711 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 4.873% Exceeds APR threshold of 4.800% Over By +0.073%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
99767711 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Your home loan toolkit is missing from the loan documents.    
99767711 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrowers income was $xx and total expenses are in the amount of $1,836.61 and the loan was underwritten by DU (locator#xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
99767711 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows, unable to obtain the required new construction documents for this manufactured home. Engineering inspection report in file shows MH home affixed.    
99767711 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from the loan documents.    
99767711 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account disclosure signed by borrower is missing from loan documents.    
99767711 xx xx xx 411fa7d7-c445-4fa7-9dc2-654417d64e3c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Valuation Property Active 2: Acceptable with Warnings * Property is Mobile Home (Lvl 2) Home is affixed. An Appraisal Report at the origination is located at “xx” states the type of subject property as a mobile home. The Manufactured Housing Unit Rider located at “xx”, states that the property is affixed to the permanent foundation. The VIN# is xx." The final title policy is missing from the loan file. Also, the VIN# is not available in the legal description of the recorded mortgage.    
57624485 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
57624485 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home Loan Toolkit is missing from the loan file.    
57624485 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account Disclosure is missing from the loan documents.    
57624485 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage Insurance certificate is missing from the loan file.    
57624485 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 reflects Points - Loan Discount Fee at $1,369.00. However, final CD dated xx/xx/2020 reflects Points - Loan Discount Fee at $3,277.04. This is an increase in fee of $1,638.04 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
57624485 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The tape shows that the seller’s parents had deeded the property to the seller in December 2019. Unable to resolve the flipping issue on this loan, outside by 3 days with no exception to use the seller acquisition as a non-sale transaction.    
57624485 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower’s income is $xx and total expenses are in the amount of $4,010.02 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with xx%.    
82603678 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan was repurchased.    
82603678 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account disclosure signed by borrower is missing from loan documents.    
82603678 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from the loan documents.    
82603678 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Your home loan toolkit is missing from the loan documents.    
82603678 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
82603678 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Compliance Compliance Active 3: Curable * Right of Rescission missing or unexecuted (Lvl 3) Right of Rescission is missing from the loan documents.    
96236396 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan was repurchased.    
96236396 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
96236396 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account disclosure is missing from the loan documents.    
96236396 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Right of Rescission missing or unexecuted (Lvl 3) Right of Rescission is missing from the loan documents.    
96236396 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Final closing disclosure reflects monthly MIP as $148.95. However, Mortgage Insurance certificate is missing from the loan documents.    
96236396 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Initial Loan Estimate is dated xx/xx/2019 and electronically signed on xx/xx/2019 which is greater than 3 days of initial 1003 dated xx/xx/2019. TRID is failing for timing of Initial LE.    
96236396 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2019 delivered on xx/xx/2019 which is more than 3 business days from initial application date xx/xx/2019.    
19191465 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.

Higher-Priced Mortgage Loan Test: FAIL      Charged: 5.256%      Allowed: 4.570%      Over by: +0.686%		    
19191465 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) This is a FHA loan and MI Certificate is missing from the loan file.    
19191465 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) CE Risk indicator is "Elevated" due to following factors:

1. This loan is failed for FHA QM Safe Harbor Test as APR (5.256%) is exceeded APOR (5.070%) by 0.186%. The APR threshold is 5.070% and the subject loan is escrowed one.
 
FHA QM Safe Harbor Test: FAIL    Charged: 5.256%      Allowed: 5.070%      Over by: +0.186%

2. This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (4.920%) is exceeded APOR (4.570%) by 0.350%. The APR threshold is 4.570% and the subject loan is escrowed one.
 
Qualified Mortgage Safe Harbor Threshold Test: FAIL      Charged: 4.920%      Allowed: 4.570%      Over by: +0.350%		    
19191465 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan could not be FHA insured because appraiser was not a licensed FHA appraiser in Arizona. Due to which the monthly mortgage insurance was removed and it was refunded back.    
19191465 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower’s income is $xxand total expenses are in the amount of $1,454.07 and the loan was underwritten by AUS/DU (locator#xx) & its recommendation is “Approve/Eligible” and DTI is showing in it as xx%.    
19191465 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
19191465 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Arizona $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
9818220 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate Lock Agreement is missing from the loan file.    
9818220 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Indiana $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the Freddie repurchased the loan and it must be 7 years lapsed from the time of Foreclosure to the new NOTE.    
76168668 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. Tape shows undisclosed IRS payments may push DTI to over xx%. Unable to rely on documents in file and unable to calculate ATR.    
76168668 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $3,075.41 and the loan was underwritten by LP (xx) and its recommendation is “Accept” with a DTI of xx%.    
76168668 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
34575366 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller tape shows borrower switched job prior to funding(No supporting income/VOE to validate). Unable to rely on documents in file and unable to calculate ATR.    
8030928 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home is affixed.
According to appraisal report located at “xx” the subject property is manufactured housing. Final title policy at the time of origination does not have an attached Alta 7 endorsement. Document located at "xx" shows that the property is affixed with VIN#xx. Hence the subject property is affixed.		    
8030928 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows loan is non-salable; Manufactured Home > xx% LTV, Ineligible.    
62444174 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Income misrepresentation over SE income from BWR’s spouse (BWR2) Sched C business. Unable to rely on documents in file and unable to calculate ATR.    
62444174 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
40349566 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller tape shows SE income miscalculation due to the lack of supporting documentation and including the other open mortgage at closing and missing rental agreement may push DTI to  over xx%. Unable to rely on docs in file and unable to calc ATR.    
40349566 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
25165360 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
25165360 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure is missing from the loan documents.    
25165360 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership counseling disclosure is missing from the loan documents.    
25165360 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure is missing from the loan documents.    
25165360 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from the loan documents.    
25165360 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan is NOO with approved at xx%. Tape shows income and asset issues. No further details are available in the file.    
25165360 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Settlement service providers list is missing from the loan documents.    
58877234 xx xx xx ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * LE/CD Issue date test Fail (Lvl 2) This Loan Failed Revised Closing Disclosure Delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate.    
58877234 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Loan failed TILA Finance Charge Test. Finance charge disclosed on Final CD as $303,180.58. Calculated finance charge is $354,846.94 for an under disclosed amount of -$51,666.36. Reason for Finance Charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is a purchase, originated on xx/xx/2018 and the SOL is 1 year.

Loan Failed TILA APR Test due to APR calculated 5.573% Exceeds APR threshold of 6.726% over by -1.153%. Subject loan is a purchase, originated on xx/xx/2018 and the SOL is 1 year.		    
58877234 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $2,629.19 and the loan was underwritten by AUS/DU  (locator# xx) and its recommendation is “Approve/Eligible” for a DTI of xx%.    
58877234 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TRID Tolerance Test Failed (Lvl 2) The loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2018 does not reflect the Points-Loan Discount fee. However, the Final CD dated xx/xx/2018 reflects the Points-Loan Discount fee at +$922.63. This is an increase in fee of $922.63 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.

The loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2018 reflects Mortgage Broker Fee at $7,654.00. However, the Final CD dated xx/xx/2018 reflects Mortgage Broker Fee at $8,132.16. This is an increase in fee of +$478.16 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.

TRID Violation due to decrease in Lender Credit on Final Closing Disclosure dated xx/xx/2018. Initial CD dated xx/xx/2018 reflects Lender Credit at $6,581.80. However, the Final CD dated xx/xx/2018 does not reflect Lender Credit. This is a decrease of +$6,581.80 for the fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.

Subject loan is a purchase, originated on xx/xx/2018 and the SOL is 1 year.		    
58877234 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 6.726% Exceeds APR threshold of 6.050% Over By +0.676%. Subject loan is not escrowed.

Loan failed NY Subprime Home Loan Test. Due to APR calculated 6.726% Exceeds APR threshold of 6.290% Over By +0.436%.		    
58877234 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 6.726% Exceeds APR threshold of 6.050% Over By +0.676%.

This Loan Failed the Higher-priced mortgage loan required escrow account test. Due to The payment of homeowner's insurance and property taxes for properties that are not a condominium, high rise condominium, or planned unit development.

Subject loan is a purchase, originated on xx/xx/2018 and the SOL is 1 year.		    
58877234 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard Insurance is missing from the loan documents.    
58877234 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $9,054.79 Exceeds Fees threshold of $8,529.94 Over by +$524.85.
The below fees were included in the test:   

Mortgage Broker Fee paid by Borrower: $8,132.16
Points - Loan Discount Fee paid by Borrower: $922.63

Loan fails Mortgage Lending Policy points and fees test due to Fees charged $9,054.79 Exceeds Fees threshold of $8,529.94 Over by +$524.85.
The below fees were included in the test:

Mortgage Broker Fee paid by Borrower: $8,132.16
Points - Loan Discount Fee paid by Borrower: $922.63		    
24396441 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is NOO. Tape shows document supporting omission of debts documentation missing. The borrower does not have sufficient income to support obligations mortgage obligation with Nations Star / Mr. Cooper reflecting a monthly payment of $1856. The loan file contains no documentation to support excluding this debt from the qualifying ratios. When this debt is included, the debt to income (DTI) ratio increases to 74%. The LPA is invalidated and the loan is not eligible as a manually underwritten loan due to the excessive DTI. Also, the loan file includes an Exterior-Only appraisal. The subject transaction was a no cash-out refinance. An exterior-only appraisal was not permitted for this transaction.    
20062006 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
20062006 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is NOO and approved at xx%. Tape shows qualifying income not supported and unable to obtain approval eligible due to DTI - income defect identified by investor.    
70790736 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows incorrect housing debt used may push DTI over xx% and missing verification of BWR SE business and P&L. Unable to rely on documents in file and unable to calculate ATR.    
70790736 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) PIW disclosure signed by the borrower is missing from the loan documents.    
70790736 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The Borrower's Intent to proceed is missing in loan file.    
70790736 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
21267590 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows BWR was not employed at closing. Unable to rely on documents in file and unable to calculate ATR.    
21267590 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower income was $xx and total expenses are in the amount of $1,727.36. The loan was underwritten by AUS/DU (locator -xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
24621882 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows file missing SE P&L, business bank statements and verification of taxes and insurance on other property. Unable to rely on docs in file and unable to calc ATR.    
24621882 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal summary is missing from loan documents. However, Transmittal summary from loan documents does not match with loan amount.    
24621882 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan documents. Appraisal report from loan document is after closing date.    
24621882 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows general appraisal requirements - appraisal not complete or compliant. An Exterior-only, desktop appraisal was completed for this owner occupied, no-cash out refinance transaction. However, the appraiser is required to develop sufficient information about the property to complete the appraisal assignment.    
78368623 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $40,329.86. Calculated Finance Charge $40,404.61 for an under disclosed amount of $74.75. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.    
78368623 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the non-numeric clerical error and post-consummation revised closing disclosure delivery date test due to post-consummation revised closing disclosure delivery date is more than 60 calendar days after the consummation date.    
78368623 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller tape shows omitted over $2000 monthly student debt invalidated AUS. Unable to rely on docs in file and unable to calc ATR.    
88857784 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) Loan failed Higher Priced Mortgage Test due to APR charged 4.565% APR Threshold 4.280% over By 0.285%. HPML disclosure signed by the borrower is missing from the loan documents. Loan is escrowed.    
88857784 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income was $xx and total expenses are in the amount of $2,947.13 and the loan was underwritten by AUS/LP (locator# xx) and its recommendation is “Accept/ Eligible” with a DTI of xx%    
88857784 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed QM Safe Harbor Test due to APR Charged 4.565% APR Threshold 4.280% over By +0.285%. HPML disclosure signed by the borrower is missing from the loan documents. Loan is escrowed.    
88857784 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows appraisal documentation - appraisal update - missing or non-compliant. Unable to clear LAP free form error and obtain recent of value due to appraiser capacity. We did not meet the 180 days deadline.    
55272941 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the Flood Insurance was not documented.    
55272941 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) CE Risk indicator is "Elevated" since this loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (4.358%) is exceeded APOR (4.280%) by 0.078%. The APR threshold is 4.280% and the subject loan is escrowed one.
 
Qualified Mortgage Safe Harbor Threshold Test: FAIL      Charged: 4.358%      Allowed: 4.280%      Over by: +0.078%		    
55272941 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.

Higher-Priced Mortgage Loan Test: FAIL      Charged: 4.358%      Allowed: 4.280%      Over by: +0.078%		    
76048415 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. The finance charge is $83,783.41. The disclosed finance charge of $83,468.83 is not considered accurate because it is understated by more than $100. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
76048415 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan has an excessive LTV/CLTV/HCLTV ratio. The subject loan was closed with incorrect appraised value, hence, LTV/CLTV exceeded maximum.    
690348 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. The finance charge is $295,636.94. The disclosed finance charge of $292,557.07 is not considered accurate because it is understated by more than $100. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
690348 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) The subject loan was approved at the DTI of xx%. The provided Seller’s tape is showing an alert that the borrower's income was calculated incorrectly at the time of closing. Further details are not provided to confirm the same. Unable to rely on the documents in the loan file and unable to calculate ATR.    
690348 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of rate lock agreement is missing from the loan file.    
90688961 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Final CD reflects closing date as xx/xx/2021.  Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2021.  Note date is xx/xx/2021.    
90688961 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Full Appraisal Report is missing in the loan file. Exterior-Only appraisal report is available in the loan file.    
90688961 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape data shows that, Appraisal not complete or compliant. (Selling Guidance Related to COVID-19) regarding property valuations - Appraisal Flexibilities. The Loan filed includes an Exterior-only appraisal. The subject transaction was a cash-out refinance. An Exterior-only appraisal was not permitted for this transaction.    
53983953 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $3,979.12 and the loan was underwritten by AUS/LP (locator#xx) and its recommendation is “Approve/Eligible” with xx%.    
53983953 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan has failed Non-Numeric Clerical Error and Post-Consummation Revised Closing Disclosure Delivery Date Test.

Final CD was disclosed on xx/xx/2021 and PCCD was disclosed after 60 days on xx/xx/2021. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.		    
53983953 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Loan approved at xx%. Tape shows solar loan was not paid at closing and including that debt may push DTI over xx%. Unable to rely on documents in file and unable to calculate ATR.    
53983953 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Subject is eligible for PIW as per 1008. PIW document is missing from the loan file.    
33403067 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income was $xx and total expenses are in the amount of $4,630.97 and the loan was underwritten by LPA (locator# xx) and its recommendation is “Accept” with a DTI of xx%.    
33403067 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Alabama $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows excessive cash-out refinance. Loan paid off a 1st and a HELOC. At the time of funding it appears the HELOC was not over 12 months old.    
33403067 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Alabama $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage Insurance certificate is missing from the loan documents.    
33403067 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2020. Initial LE dated xx/xx/2020 reflects Lender Credit at $475. However, Final CD dated xx/xx/2020 reflects Lender Credit at $0. This is decrease of $475 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from loan documents.

Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 reflects Transfer taxes fee at $453.00. However, CD dated xx/xx/2020 reflects Transfer taxes fee at $453.53. This is an increase in fee of $0.53 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.		    
33403067 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
40823347 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.148% Exceeds APR threshold of 4.780% Over By +0.368%. HPML disclosure signed by the borrower is available in the loan document and can be located at “xx. Subject loan is escrowed.    
40823347 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 5.148% Exceeds APR threshold of 4.780% Over By +0.368%. HPML disclosure signed by the borrower is available in the loan document and can be located at “xx. Subject loan is escrowed.    
40823347 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) FHA Mortgage Insurance Certificate is missing from loan documents.    
40823347 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
40823347 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the appraisal was in wrong form due to which it was unable to obtain the transfer of appraisal into XML format from the lender or appraisal company.    
13331349 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Initial Closing Disclosure Delivery Date Loan Fails CompalianceEase Delivery and timing test for Initial closing disclosure dated xx/xx/2019  Document tracker is missing and 3 business days we added to get receipt date xx/xx/2019 Which is less than the consummation  date xx/xx/2019.


Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2019  does not reflect Appraisal Re-Inspection Fee. However, CD dated xx/xx/2019  reflect  Appraisal Re-Inspection Fee at $150.00. This is an increase in fee of $150.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.		    
13331349 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan is FHA Purchase. Seller tape shows, gap between Seller acquisition and the purchase contract date is less than 3 months apart.    
13331349 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from the loan documents.    
13331349 xx xx xx 0270b5a0-6846-4580-a03f-12f44a18d0d3 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Doc Issue Active 3: Curable * Note is missing or unexecuted (Lvl 3) Copy of note signed by borrower is missing from the loan file.    
74481839 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed FHA QM Safe Harbor Test threshold test due to APR calculated 4.288% Exceeds APR threshold of 5.292% Over By -1.004%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
74481839 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower income was $xx and total expenses are in the amount of $3,270.84 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
74481839 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Final Closing Disclosure reflects monthly MIP as $224.59. However, Mortgage Insurance certificate is missing in the loan documents.    
74481839 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $9,976.02 Exceeds Fees threshold of $9,544.69 Over by +$431.33.
The below fees were included in the test:
Mortgage Broker Fee (Indirect) $8,953.67
Points - Loan Discount Fee paid by Borrower: $1,022.35



Loan failed the FHA QM Rebuttable Presumption Test due to Fees Charged: $9,976.02 Fees Threshold : $9,544.69 Over by ++$431.33. The following fees were included in the test:
Mortgage Broker Fee (Indirect) $8,953.67
Points - Loan Discount Fee paid by Borrower: $1,022.35



Loan Fails Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $9,976.02 Fees threshold $9,544.69 Over By +$431.33
The below fees were included in the test:
Mortgage Broker Fee (Indirect) $8,953.67
Points - Loan Discount Fee paid by Borrower: $1,022.35		    
74481839 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
74481839 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase  0% tolerance test. Initial LE dated xx/xx/2019 reflects Transfer Taxes at $2,674.00. However, Final CD dated xx/xx/2020 reflects Transfer Taxes at $2,060.80. This is increase of +$2,060.80 for charges that cannot increase test. Valid COC for the increase in fee is missing from the loan documents.  

Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2019 does not reflect Points - Loan Discount Fee. However, CD dated xx/xx/2020 reflects Points - Loan Discount Fee at $1,022.35. This is an increase in fee of +$1,022.35 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.

  This loan failed the lender credits that cannot decrease test. Initial CD dated xx/xx/2020 reflects Transfer Taxes (CR) are in the amount of $826.00. Final CD dated xx/xx/2020 reflects Transfer Taxes (CR) at $814.00. This is decrease of -$12.00 for charges that cannot decrease.		    
74481839 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows Appraisal Documentation - Appraisal - expired FHAC error message:  Closing date must be within 120 days of appraisal completion dat.  Effective date of appraisal is xx and was valid through xx in order to be w/in FHA’s age of documentation requirements.  We closed this loan on xxwhich is 151 days.  Close date is 31 days after expiration date so an extension is not an option and we did not obtain the updated appraisal report prior to the previous expiring.    
43259930 xx xx xx 5cb32bc6-6817-40b3-bf5e-122771c92d82 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * Required Documentation Missing or Incomplete  (Lvl 3) Home loan toolkit is missing in the loan file.    
43259930 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (5.301%) is exceeded APOR (5.050%) by 0.251%. The APR threshold is 5.050% and the subject loan is escrowed one.  Qualified Mortgage Safe Harbor Threshold: FAIL     Charged: 5.301%    Allowed: 5.050%    Over by: +0.251%    
43259930 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 does not reflect Points - Loan Discount Fee. However, Final CD dated xx/xx/2020 reflects Points - Loan Discount fee at $485.00. This is an increase in fee of $485 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
43259930 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects, Multiple appraisals in the file, Corresponding XMLs for the first and second appraisals are missing also reason is unknown for so many appraisals. Unable to rely on docs in file. Elevated for client review.    
43259930 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI Certificate is missing from the loan file.    
43259930 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.    Higher-Priced Mortgage Loan Test: FAIL      Charged: 5.301%      Allowed: 5.050%     Over by: +0.251%    
43259930 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 1: Acceptable * Settlement date is different from note date (Lvl 1) Final CD reflects closing date as xx/xx/2020.  Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2020.  Note date is xx/xx/2020.    
15310580 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 1: Acceptable * ComplianceEase TRID Tolerance Test Failed (Lvl 1) This loan failed the charges that cannot increase test. Valid COC is available in the loan file located at xx. LE dated xx/xx/2020 reflects Points - Loan Discount Fee of $298.00; however, revised LE dated xx/xx/2020 reflects Points - Loan Discount Fee at $392.05.00.  This is a fee increase of $94.05 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
15310580 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
15310580 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows unacceptable appraisal documentation. Two appraisals, one for$xx one for $xx. Appears we used the one for$xx per LT/AUS. FHA Connection is showing the amount of $xx.    
15310580 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI Certificate is missing from the loan file.    
15310580 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Missing Appraisal Completion Cert (1004D).  The Appraisal report dated xx/xx/2020 is completed as "Subject to the following repairs or alterations" for installation of the smoke/CO detectors and estimated CTC for this is $300. Final CD does not reflect escrow holdback.    
97888780 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from loan documents.    
97888780 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows, the amortization term is ineligible because the maximum loan term for this loan cannot exceed 25 years since the previous loan was a 15-year term.    
97888780 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
65309013 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in “Charges That Cannot Increase More Than 10% Test”. Comparable fee amount for Charges that cannot increase more than 10% in Initial Loan Estimate is $955.00 and on Final Closing Disclosure Fee amount is $1,704.10. Fee amount exceeds by +$653.60.    
65309013 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows that VA IRRRL breach. Loan does not meet VA requirements as the recoupment was no longer met.    
59092664 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) This loan is VA. VA Guaranty Certificate is missing from the loan documents.    
59092664 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
59092664 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows Mortgage/Program Eligibility - FHA insurability. The builder refuses to sign the 99A. Subject is new construction in FL property and there may be no termite coverage. Elevated for client review.    
59092664 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $1,975.28 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
59092664 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) 1004 MC Addendum is missing from the loan documents.    
10825877 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows mortgage/program eligibility - VA COE/Entitlement. Unable to obtain: Need Evidence of Treatment of the Termites. Loan was repurchased over this lack of coverage for subject FL property. Elevated for client review.    
10825877 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock provided expired on xx/xx/2020 and the loan closed on xx/xx/2020. No lock extension found.    
67410541 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows unable to sell chase due to reserve requirement not met for LTV.    
67410541 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final Application signed by borrower is missing from the loan documents.    
30951490 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) Loan fails “FHA QM Safe Harbor Test” APR Calculated 4.510%. APR Threshold is 4.970%. Over by -0.460%. Loan is escrowed.    
30951490 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower income was $xx and total expenses are in the amount of $1,811.19 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/ Eligible” with a DTI of xx%    
30951490 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflect Points - Loan Discount Fee at $3,565.00 and Transfer Taxes at $410.00. However, CD dated xx/xx/2021 reflects Points - Loan Discount Fee at $3,933.15 and Transfer Taxes at $534.45. This is an increase in fee of +$1,073.80 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.

Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated  xx/xx/2021 reflects the sum of Section C fees and Recording fee at $1,457.00. However, CD dated xx/xx/2021 reflects the sum of Section C and Recording fee at $1,605.52. This is a cumulative increase of +$2.82 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.		    
30951490 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Appraisal report (Adkins_Appraisal) dated xx/xx/2021 is more than 4 months from closing date xx/xx/2021. However, required 1004D is missing from loan documents.    
30951490 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) GSE (Fannie Mae public guidelines) QM Points and Fees Test due to - Loan Discount Fee paid by Borrower in the amount of $5,528.15. Fees Charged $4,331.60 Fees Threshold +$1,196.55 Over by +2,062.98.    
30951490 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed the FHA QM Rebuttable Presumption Test due to Fees Charged: $5,528.15 Fees Threshold : $4,331.60 Over by +$1,196.55. The following fees were included in the test:
Commitment Fee paid by Borrower: $1,595.00
Points - Loan Discount Fee paid by Borrower: $3,933.15.

Loan failed Qualified Mortgage Lending Policy Points and Fees Test due to Fees Charged: $4,331.60 Over by +$1,196.55. The following fees were included in the test:
Commitment Fee paid by Borrower: $1,595.00
Points - Loan Discount Fee paid by Borrower: $3,933.15.		    
30951490 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from the loan documents.    
79900979 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) This loan is eligible for an appraisal waiver. However, Property Inspection Waiver is missing from the loan documents.    
79900979 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
31614592 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home is affixed. As per appraisal report dated xx/xx/2020, the subject property type is Manufactured home. Short form policy does incorporate ALTA 7 endorsement with it. VIN# is provided with the legal description of subject mortgage.  However, as per the Affidavit of affixation attached with the updated title (pg#xx), the real estate has been permanently affixed to the land with VIN# xx.    
31614592 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test due to Finance charge disclosed on Final CD as $22,295.32. Calculated Finance charge is $23,007.32 for an under disclosed amount of -$412.00. Reason for Finance Charge under disclosure is unknown as the Fee Itemization is missing.

This loan failed the TILA foreclosure rescission finance charge test due to Finance charge disclosed on Final CD as $22,295.32. Calculated Finance charge is $23,007.32 for an under disclosed amount of -$412.00. Reason for Finance Charge under disclosure is unknown as the Fee Itemization is missing." Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.		    
31614592 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan document.    
31614592 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2021. Initial LE dated xx/xx/2020 reflects Lender Credit at $510.00. However, Final CD dated xx/xx/2021 reflects lender credit at $500.00. This is decrease of $10.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.    
57579845 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $1,137,868.08. Calculated Finance charge is $1,138.026.08 for an under disclosed amount of $158.00. Reason for Finance Charge under disclosure is unknown as the Fee Itemization is missing from the loan documents. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.    
57579845 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 does not reflect Appraisal conversion fee. However,Final CD dated xx/xx/2021 reflects Appraisal conversion fee at $50. This is an increase in fee of $50 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
57579845 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
71151296 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from loan documents.    
71151296 xx xx xx 5cb32bc6-6817-40b3-bf5e-122771c92d82 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Credit Active 3: Curable * Required Documentation Missing or Incomplete  (Lvl 3) Your Home Loan Toolkit is missing from loan documents.    
67309327 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
67860819 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed TILA APR test. APR Disclosed 2.734% on final CD, APR Calculated 2.869% Variance by -0.135%. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.    
67860819 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Post-Consummation Revised Closing Disclosure as $287,448.41. Calculated Finance Charge $305,478.22 for an under disclosed amount of $18,029.81. Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.

TILA Post-Consummation Revised Closing Disclosure Foreclosure Rescission Finance Charge test due to the finance charge is $287,448.41. The disclosed finance charge of $305,478.22 is not considered accurate for purposes of Rescission because it is understated by more than $35. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.

This loan failed the TILA Post-Consummation Revised Closing Disclosure APR Test due to the annual percentage rate (APR) is 2.869%. The disclosed APR of 2.734% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.		    
19477943 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
19477943 xx xx xx ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * LE/CD Issue date test Fail (Lvl 3) Loan failed ComplianceEase delivery and timing test for Initial Closing Disclosure dated xx/xx/2021. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2021 which is less than three business days from the Consummation date xx/xx/2021.    
46523397 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2021. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2021. Note date is xx/xx/2020.    
46523397 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s and co-borrower’s income is $xx and total expenses are in the amount of $1,654.66 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” for a DTI of xx%.    
46523397 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to decrease in Lender Credit on Post-Consummation Closing Disclosure dated xx/xx/2021. Initial LE dated xx/xx/2020 reflects Lender Credit at $14.42. However, Post-Consummation  CD dated xx/xx/2021 does not reflects Lender Credit. This is decrease of +$14.42 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.    
46523397 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Loan closed without appraisal. However, PIW signed by the borrower is also missing from the loan documents.    
16207994 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Missouri $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS/DU is missing from the loan documents.    
16207994 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Missouri $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject property approved as non-owner occupied. Seller tape shows borrower's self-employed business was not documented correctly. Borrower refused to supply us with the documentation needed to clear the repurchase.    
70732955 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 5.809% Exceeds APR threshold of 5.520% Over By +0.289%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
70732955 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.809% Exceeds APR threshold of 5.520% Over By +0.289%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
70732955 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) USDA Guaranty certificate is missing from the loan documents.    
70732955 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
70732955 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects that Invalid AUS Findings. However, this is USDA loan and GUS is located at xx.    
70732955 xx xx xx 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) Collateral value used for underwriting: $xx. Loan amount:$61,079.00. LTV/CLTV = xx% exceeds xx%.    
70732955 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2015 does not reflect Rate Lock Fee and Appraisal Re-Inspection Fee. However, CD dated xx/xx/2016 reflects Rate Lock Fee at $106.89 and Appraisal Re-Inspection Fee at $150.00. Loan estimate dated xx/xx/2015 reflect Credit Report Fee at $50.00. However, CD dated xx/xx/2016 reflects Credit Report Fee at $80.85. This is a cumulative increase in fee of $287.74 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
70732955 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home Loan Toolkit is missing from the loan documents.    
41342760 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows defect undisclosed debt, further details are not provided. Unable to rely on docs in file and unable to calc ATR.    
41342760 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $3,720.12 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
41342760 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase TRID Tolerance test is incomplete due to Initial LE and Initial CD is missing from the loan documents.    
41342760 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
41342760 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial closing disclosure is missing from the loan documents.    
41342760 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial Loan Estimate dated xx/xx/2019 is missing from the loan documents.    
41342760 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application dated xx/xx/2019 signed by loan originator is missing from the loan documents.    
53370456 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
53370456 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows TRID Violation further details are not disclosed.    
53370456 xx xx xx 399d40af-a75c-4340-9c3c-97eadb98a8dc 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Cash out purchase (Lvl 3) The subject loan is a purchase case. However, the final CD dated xx/xx/2019 reflects cash to in the amount of $214.41.    
53370456 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 6.062% Exceeds APR threshold of 5.100% Over by +0.962%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
53370456 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID tolerance test is incomplete due to Initial Loan Estimate is missing from the loan documents.    
53370456 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan test due to APR calculated 6.062% Exceeds APR threshold of 5.100% Over by +0.962%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
72289283 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) The Initial 1003 application signed by the borrowers is missing from the loan documents.    
72289283 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
72289283 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final Closing Disclosure is missing from the loan documents.    
72289283 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per 1008 interested party, contributions are 2.97%. However, seller tape reflects Excessive Seller Contribution.    
80037522 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller tape shows issue related DTI calculation. No further details are provided. Unable to rely on docs in the loan file and unable to calculate ATR.    
80037522 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial Application is missing from the loan documents.    
80037522 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
80037522 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase TRID tolerance test is incomplete due to initial closing disclosure is missing from the loan documents.    
80037522 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial closing disclosure is missing from loan documents.    
68205616 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $3,269.69 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
68205616 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) Initial LE date xx/xx/2021 is missing from the loan documents.    
68205616 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial Closing disclosure is missing from the loan documents.    
68205616 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) Right to cancel not hand dated by borrower.    
68205616 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock agreement is missing from the loan documents.    
68205616 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approved at xx%. Tape shows Program/Guideline Violation.    
68205616 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final Application is missing from the loan documents.    
31568066 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject property is NOO. Tape shows defect that BWR was not employed at closing.    
97337883 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower income was $xx and total expenses are in the amount of $8,389.25 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
97337883 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the TRID consummation date and closing / settlement date validation test due to: Initial closing disclosure delivery date is 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.    
97337883 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows following issue: Uninsurable. Last sold 12/x for $xx and new contract 1/xx for xxK.    
18011577 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income was $xx and total expenses are in the amount of $3,456.89 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
18011577 xx xx xx 6a165fbe-4f91-4528-a138-14171e43a6a8 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Underwriting Active 4: Unacceptable * Fraud Report Alert (Lvl 4) Subject originated 4/20. Tape shows loan repurchased over fraud.  Further details not provided. Elevated for client review.    
18011577 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial Application is missing from the loan documents.    
42085689 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows rental income miscalculation may push DTI over xx%. Unable to rely on docs in file and unable to calc ATR.    
42085689 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Missing Initial Application dated xx/xx/2019 signed by the Borrower.    
42085689 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $4,124.18 and the loan was underwritten by DU (locator#xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
42085689 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) A copy of hazard insurance is missing in the loan documents.    
42085689 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete California $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as OO but seller defect shows may be NOO. Tape shows post close determined BWR does not occupy subject as has other primary residence. Elevated for client review.    
69950987 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows asset misrepresentation by borrower. Borrower showed funds available at closing $104,357.69. Post close showed actual available funds were $22,357.69. AUS reflects funds required at closing $74,063.23. Unable to rely on docs in file and unable to calc ATR.    
69950987 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
69950987 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $189,238.79. Calculated Finance charge is $189,437.38. Test failed for an under disclosed amount of $198.59. Reason for Finance Charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is a purchase, originated on xx/xx/2019 and the SOL is 1 year.    
69950987 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan Fails Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $9,146.12 Fees threshold $7,500.50 Over By +$1,645.62
The below fees were included in the test:

Administration Fee paid by Borrower: $949.00
Mortgage Broker Fee (Indirect) $6,400.00
Points - Loan Discount Fee paid by Borrower: $1,797.12		    
69950987 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $9,146.12 exceeds Fees threshold of $7,500.50 Over by +$1,645.02.
The below fees were included in the test:

Administration Fee paid by Borrower: $949.00
Mortgage Broker Fee (Indirect) $6,400.00
Points - Loan Discount Fee paid by Borrower: $1,797.12		    
69950987 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%. The borrower's income is $xx and total expenses are in the amount of $2,046.84 and the loan is underwritten using DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
41624992 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $8,197.02 Exceeds Fees threshold of $7,063.86 Over by +$1,133.16.
The below fees were included in the test:

Administration Fee paid by Borrower: $949.00
Mortgage Broker Fee (Indirect) $5,962.50
Points - Loan Discount Fee paid by Borrower: $1,285.52		    
41624992 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Oregon $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The subject was approved at 38.496%. Per seller tape, PITI provided on LP does not match with PITI provided on other documents. LP reflects PITI as $1825.77 and PITI per document is $1,810.52.    
41624992 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2021.  Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2021.  Note date is xx/xx/2021.    
41624992 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $8,197.02 Exceeds Fees threshold of $7,063.86 Over by +$1,133.16.
The below fees were included in the test:

Administration Fee paid by Borrower: $949.00
Mortgage Broker Fee (Indirect) $5,962.50
Points - Loan Discount Fee paid by Borrower: $1,285.52		    
87649064 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Compliance Ease delivery and timing test for Closing Disclosure dated xx/xx/2020. CD is electronically signed by borrower on xx/xx/2020, Initial CD receipt date is on the Consummation date xx/xx/2020.    
87649064 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. Tape shows income miscalculation and borrower's ability to maintain a consistent level of income was not established and therefore does not support the $4,894 monthly income used to qualify. Additionally, there are discrepancies in the income documents Unable to rely on documents in file and unable to calculate ATR.    
87649064 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application is missing from loan documents.    
91608484 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. AUS invalid as SE income discrepancy over truck lease was not documented and may push DTI over xx%. Unable to rely on documents in file and unable to calculate ATR.    
91608484 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.292% Exceeds APR threshold of 5.290% Over By +0.002%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
91608484 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 5.292% Exceeds APR threshold of 5.290% Over By +0.002%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
91608484 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the TRID disclosure delivery and receipt date validation test due to The Revised Loan Estimate Receipt Date xx/xx/2019 is before Revised Loan Estimate Delivery Date xx/xx/2019.    
18725829 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed Qualified Mortgage Lending Policy Points and Fees Test due to Fees Charged:$18,557.41 Fees Threshold:$13,857.81 Over by +$4,699.60. The following fees were included in the test:
Administration Fee paid by Borrower: $485.91
Mortgage Broker Fee (Indirect) $12,925.00
Points - Loan Discount Fee paid by Borrower: $5,146.50.		    
18725829 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed Lender Credit That Cannot Decrease Test Initial CD dated xx/xx/2020  reflects Credit Report Fee (CR) at $50.00. However, Final CD dated xx/xx/2021 reflects Credit Report Fee (CR) at $0. This is decrease of $50.00 for charges that cannot decrease test. Valid COC for the decrease in Lender credit is missing from the loan documents.  

Loan failed Non-Specific Lender Credit That Cannot Decrease Test Initial LE dated xx/xx/2020 reflects Non-specific lender credit at $3,713.00. However, Final CD dated xx/xx/2021 reflects Non-specific lender credit at $0. This is decrease of $3,663.00 for charges that cannot decrease test. Valid COC for the decrease in NSLC is missing from the loan documents.  

TRID Violation in Charges that Cannot Increase test due to increase of fee in Initial CD dated xx/xx/2020. Initial LE dated xx/xx/2020 does not reflects Points - Loan Discount Fee. However, Final CD dated xx/xx/2021 reflects Points - Loan Discount Fee at $5,146.50. This is fee increase of $5,146.50 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents.		    
18725829 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan failed the GSE (Fannie Mae public guidelines) QM Points and Fees Test due to Fees Charged:$18,557.41 Fees Threshold: $13,857.81 Over by +$4,699.60. The following fees were included in the test:
Administration Fee paid by Borrower: $485.91
Mortgage Broker Fee (Indirect) $12,925.00
Points - Loan Discount Fee paid by Borrower: $5,146.50.		    
18725829 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approved at xx%. Tape shows income miscalculation and discrepancy over weekly SE and monthly SE earnings may push DTI to over xx%.    
18725829 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Doc Issue Active 4: Unacceptable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) Subject appraisal came in at $xx. Tape shows appraisal noted need for improvements (roof, windows, structure and condition) and Freddie QC value came back at $xx. Current UPB $xx. Elevated for client review.    
34129156 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows that Guideline Violation as the LTV exceeded. It was a max LTV purchase.    
34129156 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Income miscalculation over Sched C loss may push DTI higher. Unable to rely on documents in file and unable to calculate ATR.    
34129156 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $1,540.79 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with $xx%.    
34129156 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) This loan is FHA. MI Certificate is missing from the loan documents.    
59723788 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
59723788 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows undisclosed mortgage with CMG Mortgage may push DTI over xx%. Unable to rely on docs in file and unable to calc ATR.    
59723788 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) The subject loan closed with an appraisal. However, PIW disclosure signed by the borrower is missing from the loan documents.    
67257412 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Washington D.C. $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved/eligible at xx%. The tape shows that other undisclosed debts payment of $509.00 was not included in DTI. Including the undisclosed debt into the DTI may rise to xx%. Unable to rely on docs in file and unable to calc ATR.    
67257412 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Washington D.C. $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $2006.25 and the loan was underwritten by AUS/DU (locator#xx) and its recommendation is Approve/Eligible with xx%.    
67257412 xx xx xx 3e7649ea-d4a6-431b-bedf-93e8df994bff 561 561-3210 xx QM-TRID QC Complete Washington D.C. $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Your home loan toolkit is missing from the loan file.    
67257412 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Washington D.C. $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal is missing from the loan file.    
67257412 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Washington D.C. $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer is missing from the loan file.    
61885221 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
61885221 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Maryland $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) The subject loan closed with an appraisal. However, PIW disclosure signed by the borrower is missing from the loan documents.    
61885221 xx xx xx 30f5ee14-9cca-47bb-8ed2-40f698aea049 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Credit Active 4: Unacceptable * Type of Ownership is Leasehold Or Cooperative (Lvl 4) As per Commitment located at "xx" the subject property type is Leasehold. File has a mortgage but tape and title commitment show subject is a leasehold.    
61885221 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The tape shows appraisal - Missing, Illegible, or Incomplete Completion Certification - 1004D or other inspection by licensed professional. The value for the subject loan was accepted by Desktop Underwriter (DU) and an appraisal waiver was offered. The Lender's review of the loan file revealed the subject property is a leasehold property and a full appraisal on the subject property is required. US - Conditions do not meet the required guidelines. The subject property is a leasehold estate that must have a term that extends at least five years beyond the maturity date of the loan unless the fee simple title will vest at an earlier date. A review of the loan file revealed the following requirements were not met: A copy of the leasehold agreement is not provided for review.    
6357473 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2020.  Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2020.  Note date is xx/xx/2020.    
6357473 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape shows default as - Loan is not eligible for delivery due to event after closing but before delivery. The lender represented that the mortgage loan delivery data was true, correct, and complete. A review of the mortgage note and payment history indicates that the loan should have been delivered with a UPB of $xx but this loan was incorrectly delivered with a UPB of $xx.This misrepresentation constitutes a breach of the lender’s representations and warranties.    
6357473 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan has failed TILA Finance Charge Test.

The disclosed finance charge is $155,581.32 and allowed is $168,892.79 however it is undercharged by $13,311.47.

This loan has failed TILA APR Test.

Disclosed APR : 3.019%  Allowed APR : 3.246%  Underdisclosed By : 0.227%. Subject loan is a purchase, originated on xx/xx/2020 and the SOL is 1 year.		    
6357473 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
6357473 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, this loan is not failing Federal, State, or local predatory lending laws. There is no assignee liability since it did not exceed those thresholds.

Charged : $13,178.40  Allowed is : $8,952.68  Over By : +$4,225.72		    
6357473 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan has failed Qualified Mortgage Lending Policy Points and Fees Test.

Charged : $13,178.40  Allowed is : $8,952.68  Over By : +$4,225.72		    
6357473 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan has failed Charges That Cannot Increase Test, because Initial LE dated xx/xx/2020 shows Transfer Taxes at $1,643.00, however Final CD dated xx/xx/2020 shows Transfer Taxes at $1,672.00. This is a fee increase of $29.00 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
80485315 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Tape showing DTI xx% but AUS required BWR credit to be unfrozen to pull all 3 bureaus. Loan was repurchased due to inability to complete this task. Impact not noted. Unable to rely on docs in file and unable to calc ATR.    
80485315 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from the loan documents.    
80485315 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2021. Initial LE dated xx/xx/2020 reflects Lender Credit at $5,420.00. However, Revised CD dated xx/xx/2021 reflects Lender Credit at $3,912.57. This is decrease of $1,507.43 for fee which has 0% tolerance test.    
80485315 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS/DU is missing from the loan documents.    
53351344 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Michigan $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home has been affixed to the permanent foundation.
According to the appraisal report located at “xx”, the type of subject property is a manufactured home. The Affidavit of Affixture of Manufactured Home located at “xx”, shows the subject property has been permanently affixed to a foundation.		    
53351344 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 5.736% Exceeds APR threshold of 5.290% Over By +0.446%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
53351344 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.736% Exceeds APR threshold of 5.290% Over By +0.446%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
53351344 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan Fails GSE (Fannie Mae public guidelines) QM Points and Fees Test due to Fees charged $4,152.00 Fees threshold $3,232.00 Over By +$920.00.

The below fees were included in the test:

Commitment Fee paid by Borrower: $1,495.00
Points - Loan Discount Fee paid by Borrower: $2,657.00		    
20705298 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2026.73 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
20705298 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed ComplianceEase delivery and timing test for Initial Loan Estimate dated xx/xx/2021 Document tracker proving the delivery of Initial Loan Estimate within 3 business days from the Initial Application date is missing from the loan documents.

Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial Loan estimate delivery and timing test. Initial LE dated xx/xx/2021 delivered on xx/xx/2021 which is more than 3 business days from initial application date xx/xx/2021.		    
20705298 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows subject is a Homeone loan with an approve eligible. Loan is a Refinance and requires original note holders to stay on the loan; however divorce decree was finalized but fannie mae does not allow.    
20705298 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2021. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2021. Note date is xx/xx/2021.    
20705298 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
20705298 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Initial Loan Estimate Delivery Date Test failed due to initial application date xx/xx/2021 and Initial Loan estimate delivered on xx/xx/2021 which is more than 3 business days from the initial application date.    
27249821 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
27249821 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 4.518% Exceeds APR threshold of 4.330% Over By +0.188%. HPML disclosure signed by the borrower is missing from  the loan document. Subject loan is escrowed.    
27249821 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the issue as the loan is FHA Uninsured. FHA case number was pulled from another file. Due to which lender will not pull a new case number for the updated property address.    
74445259 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects that Loan closed xx/xx/2021. Prior mortgage was opened in June 2007 with no reported delinquency.  The borrower was in forbearance from May 2020 through March 2021, with payments resuming April 1, 2021.  So we do not have a 12 month mortgage history since the forbearance. Per FHA cash-out guidelines, 12 months post-forbearance pay history is required.    
74445259 xx xx xx fbdf2672-bb78-4d47-8239-175dbfaf8564 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Credit Active 3: Curable * Final Application Incomplete (Lvl 3) Final application is not hand signed and not hand dated by borrower.    
74445259 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower income was $xx and total expenses are in the amount of $4,465.66 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
74445259 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Final Transmittal Summary is missing from the loan documents.    
74445259 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Right of Rescission missing or unexecuted (Lvl 3) Right to rescission is missing from Loan documents.    
74445259 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from Loan documents.    
74445259 xx xx xx 42fa4669-fe5d-412e-9c32-21b87047de7c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Revised Loan Estimate is missing (Lvl 3) As per change of circumstances required LE dated xx/xx/2021 is missing from loan documents.    
74445259 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2021 reflects the sum of Section C and Recording fee at $1,045.00. However, CD dated xx/xx/2021 reflects the sum of Section C and Recording fee at $1,180.00. This is a cumulative increase of $30.50 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.

Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 does not reflect Rate Lock Fee and Points - Loan Discount Fee. However, CD dated xx/xx/2021 reflects Rate Lock Fee at $363.24 and Points - Loan Discount Fee at $1,484.96. This is an increase in fees of $1,848.20 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.		    
74445259 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account disclosure signed by borrower is missing from loan documents.    
74445259 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) This is FHA loan. However, MI certificate is missing from the loan file.    
74445259 xx xx xx 0270b5a0-6846-4580-a03f-12f44a18d0d3 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Doc Issue Active 4: Unacceptable * Note is missing or unexecuted (Lvl 4) Copy of note along with the lost note affidavit are missing from the loan file. However, loan has never been modified since origination.    
66152426 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2020. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2020. Note date is xx/xx/2020.    
66152426 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Revised CD dated xx/xx/2020. Initial LE dated xx/xx/2020 does not reflects Points - Loan Discount Fee. However, Revised CD dated xx/xx/2020 reflects Points - Loan Discount Fee at $2,812.10. This is fee increase of $2,812.10 for 0% tolerance test fee.    
66152426 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
66152426 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Settlement service provider list is missing from loan documents.    
85772689 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
85772689 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
85772689 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from the loan documents.    
85772689 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows defect as "This loan is an FHA streamline and the borrower made their September payment through their bank on xx/xx/2021 which was not received by xx until xx/xx/2021. Borrower was delinquent at time of funding; which makes the loan ineligible for delivery”.    
85772689 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application is missing from the loan documents.    
48249828 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete West Virginia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
48249828 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete West Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 does not reflect Points - Loan Discount Fee. However, CD dated xx/xx/2021 reflects Points - Loan Discount Fee at $618.00. This is an increase in fee of +$618.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.


Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2021 reflects the sum of Section C fees and Recording fee at $1,476.00. However, CD dated xx/xx/2021 reflects the sum of Section C and Recording fee at $1,813.80. This is a cumulative increase of +$190.20 for charges that in total cannot increase more than 10% test. Valid COC for the increase in fee is available; however, COC is not getting tested due to loan failing TRID delivery and timing test.		    
48249828 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete West Virginia $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Subject property is Manufactured and proof of Affixation of the property permanently to the land is available in the loan documents xx.
The Manufactured home rider located at "xx", shows the VIN#xx/xx and the home is permanently affixed to a foundation. The wheels, axles, tow bar or hitch were removed.		    
48249828 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete West Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller shows MH at xx% with Refer/Caution never sold to Agency/Investor - unsalable.    
48249828 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete West Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) The revised loan estimate xx/xx/2021 delivery date xx/xx/2021 is provided and the revised loan estimate method of delivery is Electronic Delivery and the revised loan estimate delivery date is less than seven business days before the Consummation date xx/xx/2021.    
48249828 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete West Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed ComplianceEase delivery and timing test for Closing Disclosure dated xx/xx/2021. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2021 which is after the Consummation date xx/xx/2021.    
7641074 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
7641074 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete Utah $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) The net operating income is $27,534.00 and annual payments (Debt Service) is $28,210.68 and there debt service cover ratio (DSCR) is 0.98% which is less than 1.    
33622976 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
33622976 xx xx xx ebd7fc7c-fc00-428d-8dd3-cfd3478eadae 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Valuation Value Active 4: Unacceptable * Value used by lender not supported (Lvl 4) Tape defect shows seller repurchased loan over valuation attributed to interior of the property.  Appraisal in file shows $xx (including material amount allocated to the interior) but the value assigned to the exterior dwelling was only $xx. Subject is a 2nd home outside of Omaha NE for BWR now living in AZ. Elevated for client review over valuation Q.    
53374948 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial Closing Disclosure is missing from the loan documents.    
53374948 xx xx xx 3e7649ea-d4a6-431b-bedf-93e8df994bff 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) List of service provider is missing from the loan documents.    
53374948 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects that Condo review at origination was done as limited instead of fully the time we knew of the agency issue and provided the full review the loan had already been repurchased by the 2nd service that had the loan. Originally sold to FGMC then subsequently to planet home.    
53374948 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial loan estimate is missing from the loan documents.    
53374948 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
45997858 xx xx xx 64b4e88c-ac9f-44af-bd44-81df53d25df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Closing_Disclosure violations (Lvl 3) Final CD dated xx/xx/2021 is not hand singed by the borrower.    
45997858 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows purpose of refinance is Rate & Term and Final CD reflects Cash to as $5,845.17 which is more than allowed limit of $2,000.00. Now DU is Approve/Ineligible.    
45997858 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
81463060 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows purpose of refinance is Rate & Term. As per Final CD, Cash to borrower is $4,294.81 which is more than allowed limit of $2,000.00. Now DU is Approve/Ineligible.    
81463060 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) PIW is missing from the loan documents.    
81463060 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
81463060 xx xx xx 3e7649ea-d4a6-431b-bedf-93e8df994bff 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) List of service providers is missing from loan document.    
81463060 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
81463060 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application signed by the borrower is missing from the loan documents.    
19126084 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
19126084 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
19126084 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * Missing flood cert (Lvl 3) Flood insurance certificate is missing from the loan documents.    
19126084 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final closing disclosure is missing from the loan documents.    
19126084 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application is missing from the loan documents.    
19126084 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan is NOO. Seller tape reflects that LE disclosed after CD issued. LE dated is xx/xx/2021 disclosed after CD dated is xx/xx/2021 and loan closed xx/xx/2021.    
19126084 xx xx xx fbdf2672-bb78-4d47-8239-175dbfaf8564 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * Final Application Incomplete (Lvl 3) Final application is not hand signed by borrower.    
19126084 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan documents. However, Completion report 1004D is available at xx.    
36956395 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Final CD reflects closing date as xx/xx/2021. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2021. Note date is xx/xx/2021.    
36956395 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of 49.23%, the borrower’s income is $xx and total expenses are in the amount of $2,691.28 and the loan was underwritten by AUS/LP (locator# xx) and its recommendation is “Accept/Eligible” for a DTI of xx%.    
36956395 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on Final CD as $254,786.44. Calculated finance charge is $254,846.44 for an under disclosed amount of -$60.00. Reason for Finance Charge under disclosure is unknown as the Fee itemization is missing. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.    
36956395 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 4: Unacceptable * Missing Appraisal (Lvl 4) Appraisal is missing from file. Tape shows appraisal was subject too and that 1004D was not available. Amount to cure not in file. BWR claims work completed. Elevated for client review.    
36956395 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete California $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) AUS shows potential occupancy concern. Subject property is xx. BWR current primary address is xx. xx shows xx and xx appear to be an attached 2 family. Unable to determine which will be used for primary occupancy.    
36956395 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
36956395 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from the loan documents.    
53272817 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application is missing from the loan documents.    
53272817 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) PIW disclosure signed by the borrower is missing from the loan documents.    
53272817 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final closing disclosure is missing from the loan documents.    
53272817 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per tape, SSPL is missing. Fees were disclosed in Section C (rather than Section B) on the Final LE. As per LE dated xx/xx/2021, Title Endorsement, Lender's Title Insurance and Title Settlement fees are disclosed on Section C.    
53272817 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The borrower's intent to proceed is missing in loan file.    
53272817 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
53272817 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
53272817 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required State Disclosures (Lvl 3) Settlement services provider list is missing from the loan documents.    
36628018 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Missing Initial Application signed by the originator.    
36628018 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
36628018 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Subject loan closed with No Appraisal. However, PIW disclosure signed by the borrower is missing from the loan documents.    
36628018 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated 6/xx/2021reflects the sum of Section C fees and Recording fee at $25.00. However, final CD dated xx/xx/2021 reflects the sum of Section C and Recording fee at $35.00. This is a cumulative increase of $7.50 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.    
36628018 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows that Revised LE dated xx/xx/2021 was disclosed after initial CD dated xx/xx/2021.    
36628018 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Loan fails TRID initial loan estimate date and initial closing discourse date validation test. Revised loan estimate dated xx/xx/2021 not signed by the borrower 3 days were added to get receipt date xx/xx/2021 which is after initial closing disclosure xx/xx/2021.    
36628018 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
36628018 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) List of service provider is missing from the loan documents.    
36628018 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails revised loan estimate delivery date test. Revised loan estimate dated xx/xx/2021 not signed by the borrower 3 days were added to get receipt date xx/xx/2021 which is after initial closing disclosure xx/xx/2021.    
4194125 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow account disclosure is not hand signed and hand dated by borrower.    
4194125 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from the loan documents.    
4194125 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows file is missing a "Notice to Borrower of Property in a Special Flood Area" disclosure signed & dated at least 10 days prior to closing.    
4194125 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) PIW disclosure signed by the borrower is missing from the loan documents.    
4194125 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the lender credits that cannot decrease test. Initial CD dated xx/xx/2021 reflects Lender's Title Insurance Policy (CR) at $0.00. However, Final CD dated xx/xx/2021 reflects Lender's Title Insurance Policy (CR) at $249.00. This is decrease of $249.00 for charges that cannot decrease.    
4194125 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
4194125 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Missing Initial application dated xx/xx/2021 signed by the borrower.    
4194125 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower income was $xx and total expenses are in the amount of $6,853.27 and the loan was underwritten by LP (locator# xx) and its recommendation is “Eligible/Accept” with a DTI of xx%.    
27584134 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
27584134 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at 44.829%. Tape shows revised DTI over 52%. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
27584134 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application for xx/xx/2021 with loan originator sign is missing from the loan documents.    
27584134 xx xx xx fbdf2672-bb78-4d47-8239-175dbfaf8564 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * Final Application Incomplete (Lvl 3) Final application hand signed by borrower is missing from loan documents.    
27584134 xx xx xx 3e7649ea-d4a6-431b-bedf-93e8df994bff 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) List of service providers is missing from loan documents.    
79042979 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller tape shows there was an asset misrepresentation due to fraudulent bank statements. No further details provided. Subject required to have $32,000.20 funds to close.    
79042979 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
18381576 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
18381576 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan approved at xx%. Tape shows there was an asset misrepresentation due to fraudulent bank statements. No further details provided. Subject required to have $72,584.7 funds to close.    
18381576 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income was $xx and total expenses are in the amount of $3,990.44 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
52502623 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan approved at xx%. Tape shows there was a debt miscalculation that may push DTI to over xx%. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
52502623 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 4: Unacceptable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) Subject loan closed without an Appraisal. PIW disclosure signed by the borrower is missing from the loan documents. Subject is $xxK loan, 4 mos DLQ. Elevated for client review.    
52502623 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $xx and total expenses are in the amount of $10,007.39 and the loan was underwritten by DU (locator#$xx and its recommendation is “Approve/Eligible” with a DTI of xx%.    
52502623 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock provided expired on xx/xx/2020 and the loan closed on xx/xx/2020. No lock extension found.    
78450600 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows there was an asset misrepresentation due to fraudulent bank statements. No further details provided. Unable to rely on documents in file and unable to calculate ATR. Subject required to have $11,522.21 funds to close.    
78450600 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Initial closing disclosure dated xx/xx/2020 reflects Points - Loan Discount Fee at $694.69. However, Final CD dated xx/xx/2020 reflects Points - Loan Discount Fee at $1,806.19. This is an increase in fee of $1,111.50 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
78450600 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%. The borrower's income is $xx and total expenses are in the amount of $1,439.78 and the loan is underwritten using DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
78450600 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
80188243 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape shows there was an asset misrepresentation due to fraudulent bank statements. No further details provided. Unable to rely on docs in file and unable to calculate ATR. Subject required to have $5,581.69 funds to close.    
80188243 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
80188243 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) Initial Closing disclosure is missing from the loan documents.    
89447930 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE risk indicator is "moderate" since this loan failed the revised closing disclosure delivery date test (waiting period required). The revised closing disclosure delivery requires a new waiting period and the revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as "In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date.    
89447930 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).		    
89447930 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $2,980.89 and the loan was underwritten by AUS/DU (locator#xx) and its recommendation is “Out of Scope” with the DTI of xx% and CLTV of xx%. Elevated for client review.    
89447930 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $0.32 on PCCD dated xx/xx/2021. There is a total fee increased of $0.32 for a non-shoppable fee which exceeded the 0% tolerance for non-shoppable fees.    
89447930 xx xx xx 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) As per Appraisal, Appraised value is $xx and sales price is $375,000.00 due to which LTV/CLTV is xx%.    
89447930 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) This loan is a conventional purchase. MI certificate is missing from the loan file.    
89447930 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) An executed copy of initial 1003 is missing from the loan file.    
54503455 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows AUS Decision approve/Ineligible." As per Appraisal, the Appraised value is $xx and the sales price is $xx. The loan amount is $xx.    
16410736 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) This loan is a conventional. MI certificate is missing from the loan file.    
16410736 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape is showing an alert that the provided AUS is "Approve/Ineligible."    
16410736 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) An executed copy of initial 1003 is missing from the loan file.    
46270381 xx xx xx 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) Collateral Value used for Underwriting: $xx. Loan Amount: $xx. LTV = xx%.    
46270381 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
46270381 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial 1003 application is missing from the loan documents.    
46270381 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $3,702.97 and the loan was underwritten by AUS (xx) and its recommendation is “Out of Scope” with a DTI of xx% and Collateral Value used for Underwriting: $xx. Loan Amount: $xx. LTV = xx%.    
41495414 xx xx xx 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) Collateral Value used for Underwriting:$xx. Secondary Lien: $000.00 Loan Amount: $xx. CLTV =xx%.    
41495414 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Subject out of scope approval due to CLTV of xx%. Property value $xxK, loan amount $xxK. Elevated for client review.    
41495414 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2021. Initial LE dated xx/xx/2021 reflects Lender Credit at $137.00 however, Post CD dated xx/xx/2021 reflects Lender Credit at $00.00. This is decrease of $137.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.    
33987003 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage Insurance certificate is missing from the loan documents.    
33987003 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from Loan documents.    
33987003 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
33987003 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows following issue: Borrower has a 1 x 30 on an FHA Streamline within the first 12 months. Borrower made payment based on the information provided. This occurred during the refinance.    
39048901 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan was locked through North Carolina Housing with a DPA 2nd. The loan closed with the incorrect interest rate so NC Housing will not purchase. Since the DPA is no longer a 2nd community the loan does not qualify for a GNMA pool since the borrower did not meet the minimum required investment.    
39048901 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 does not reflect Loan Origination Fee. However, Post CD dated xx/xx/2021 reflects Loan Origination Fee at $1,571.40. This is an increase in fee of +$1,571.40 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
39048901 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
24693641 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Credit Active 2: Acceptable with Warnings * DSCR is less than 1.00 (Lvl 2) Calculated DSCR is 0.98. Form 1007 (locator: xx) reflects estimated monthly rent as $1,820.00.    
24693641 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows, Loan was sold to FNMA on xx/xx/20 with LPA findings and we did not have a special variance approval to sell these loans with LPA findings. Loan qualified under LPA and is paid current. We will be repurchasing from FNMA. Unable to rely on docs in file. Elevated for client review.    
24693641 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
12642054 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Mississippi $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Sellers tape shows, uninsurable FHA loan. Property was sold 87 days from prior sale, Property Flipping requirements not met. Prior sale price $xxK, subject purchase price $xx.    
12642054 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Mississippi $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI Certificate is missing from the loan file.    
12642054 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Mississippi $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Missing Appraisal Completion Cert (1004D).  The Appraisal report dated xx/xx/2021 is completed as "Subject to the following required inspection" for termite clearance letter required. Final CD does not reflect escrow holdback.    
25385852 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape is showing an alert that the subject loan does not meet GNMA 210 day seasoning requirements. It is eligible for refinance in April 2022.    
25385852 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) 1. This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased total in the amount of $16.00 on final CD dated xx/xx/2021.
Provided initial LE dated xx/xx/2021 reflects transfer taxes as $1,158.00, however, the final CD reflected it as $1,174.00. There is a total fee increased of $16.00 for a non-shoppable Fee which exceeded the 0% tolerance for non-shoppable Fees.

2. This loan failed the lender credit that cannot decrease test. Missing valid COC for a non-specific lender credit decreased in the amount of $212.38 on final CD dated xx/xx/2021.		    
25385852 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).		    
25385852 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE risk indicator is "moderate" since this loan failed the revised loan estimate delivery date test (prior to consummation) due to the revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as the revised loan estimate delivery date (xx/xx/2021) is on or after the initial closing disclosure delivery date (xx/xx/2021).    
75280249 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
75280249 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete Colorado $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Per tape and appraisal in file subject is a condotel. Subject is not a typical residential unit as it is a condo unit in a xx CO hotel complex that has 20% of the property consisting of retail and restaurants. Elevated for client review.    
21112690 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan Fails Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $22,265.00 Fees threshold $20,897.41 Over By +$1,367.59.

The below fees were included in the test:
Investor Review Fee paid by Borrower: $370.00
Points - Loan Discount Fee paid by Borrower: $20,700.00
Processing Fee paid by Borrower: $600.00
Underwriting Fee paid by Borrower: $595.00		    
21112690 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows that ROR was sent for the construction payoff loan which was not necessary. Disbursement date should have been after 3 business days from the closing date which was not met. Seller requires review appraisal and it is available in the loan documents and it is located at (xx).    
21112690 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
21112690 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2020. Notary signature date on the Mortgage/Deed of Trust is xx/xx/2020. Note date is xx/xx/2020.    
90555439 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s and co-borrower’s income is $xx and total expenses are in the amount of $4,350.54 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” for a DTI of xx%.    
90555439 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows borrower was not employed at the time of closing due to which DTI may rise higher upto xx%. Unable to rely on documents in file and unable to calculate ATR.    
40082366 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $xx and total expenses are in the amount of $3,924.53 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Accept” with a DTI of xx%.    
40082366 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan Fails GSE (Fannie Mae public guidelines) QM Points and Fees Test due to Fees charged $15,011.25 Fees threshold $10,808.91 Over By +$4,202.34.
The below fees were included in the test:
Points - Loan Discount Fee paid by Borrower: $13,666.25
Processing Fee paid by Borrower: $350.00
Underwriting Fee paid by Borrower: $995.00

Loan failed Qualified Mortgage Lending Policy Points and Fees Test due to Fees Charged: $15,011.25 Fees Threshold: $10,808.91 Over by +$4,202.34.
The following fees were included in the test:
Points - Loan Discount Fee paid by Borrower: $13,666.25
Processing Fee paid by Borrower: $350.00
Underwriting Fee paid by Borrower: $995.00		    
40082366 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the lender credits that cannot decrease test. Initial LE dated xx/xx/2020 does not reflects Appraisal Fee (CR). However, Final CD dated xx/xx/2020 reflects Appraisal Fee (CR) at $625.00.
Revised CD dated xx/xx/2020 reflects Transfer Taxes (CR) at $967.50. However, Final CD dated xx/xx/2020 reflects Transfer Taxes (CR) at $70.25.
This is decrease of $272.25 for charges that cannot decrease.


Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2020 delivered on xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.		    
40082366 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the lender credits that cannot decrease test. Revised CD dated xx/xx/2020 reflects Transfer Taxes (CR) at $967.50. However, Final CD dated xx/xx/2020 reflects Transfer Taxes (CR) and the addition of Appraisal Fee (CR) at $70.25 and $625.00. This is decrease of $272.25 for charges that cannot decrease.    
40082366 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Initial loan estimate is dated xx/xx/2020 and electronically signed on xx/xx/2020 which is greater than 3 days. Unable to determine delivery date due to missing doc tracker. TRID is failing for timing of Initial LE.    
40082366 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows seasoning issue due to this loan closed xx/xx/2020 so even when the CEMA documents get fixed, it is unsaleable. First payment date on the note was xx/xx/2020 ;however, the system showed a first payment date of xx/xx/2020 so Wilmington Trust would not pass the loan for the FNMA sale. CD shows the first payment was xx/xx/2020 which is also what servicing reflected.    
40082366 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
38556451 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from loan document.    
38556451 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower income was $xx and total expenses are in the amount of $6,494.88 and the loan was under written by LP (locator# xx) and its recommendation is “Accept/Eligible” with a DTI of xx%.    
38556451 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 does not reflect Points-Loan Discount fee. However, CD dated xx/xx/2020 reflects Points-Loan Discount fee at $564.18. This is an increase in fee of $564.18 for charges that cannot increase. Valid COC for the increase in fee is available; however, COC is not getting tested due to loan failing TRID delivery and timing test.    
38556451 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx% .Tape shows undisclosed $xx debt with Centennial Bank may push DTI over xx%. Unable to rely on documents and unable to calculate ATR.    
28650013 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Kansas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows BWR was not employed at closing. Unable to rely on docs in file and unable to calc ATR.    
28650013 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Kansas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the Kansas license validation test for one of the following reasons:
Kansas SB 129 (2013 Kansas Laws Ch. 29) requires lenders who originate subordinate mortgage liens to be licensed under the Kansas Uniform Consumer Credit Code on or after July 1, 2013. After this date, lenders are no longer allowed to make subordinate lien loans under a Kansas License Using Interest Section 16-207 or its corresponding Exemption Letter.

Kansas K.S.A. 9-2201 requires that mortgage lien loans with a closing date on or after July 1, 2017 must be made under a Kansas Mortgage Company license. The Office of the State Bank Commissioner of Kansas has additionally clarified that after this date, lenders are no longer allowed to make mortgage lien loans under a Kansas Supervised Lender license.		    
96428659 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows BWR was not employed at closing. Unable to rely on docs in file and unable to calc ATR.    
96428659 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
96428659 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
23501101 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan documents.    
23501101 xx xx xx fbdf2672-bb78-4d47-8239-175dbfaf8564 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Credit Active 3: Curable * Final Application Incomplete (Lvl 3) Final 1003 hand dated by borrower is missing from the loan documents.    
23501101 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows this loan is unsaleable due to the loss of the PIW post-closing. Had to update DU from PUD to detached for sale and we lost the PIW due to a post-closing appraisal being uploaded to UCDP. We tried to get the appraisal transferred to MM but the borrower opened a HELOC post-closing so it could not be transferred. The appraiser then tried to provide an updated appraisal for us however there was no AMC, we could not obtain an SSR and the value was much less so moving to unsaleable.    
1456343 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
1456343 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $2,153.73 and the loan was underwritten by LP (locator# xx) and its recommendation is “Caution” with a DTI of xx%.    
57756052 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Loan closed without appraisal; However, FMV disclosure is located at xx.    
30670335 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Vermont $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects following issue, the subject loan was completed as a cash-out refinance transaction on an exterior-only appraisal due to this unable to obtain a full appraisal.    
30670335 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete Vermont $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) The net operating income is $15,013.32 and annual payments (Debt Service) is $19,050.72 and there debt service cover ratio (DSCR) is 0.79% which is less than 1.”    
30670335 xx xx xx e771f51b-ccfc-4035-9f6b-a3288820555c 561 561-3210 xx QM-TRID QC Complete Vermont $xx Credit Doc Issue Active 3: Curable * Mortgage missing / unexecuted (Lvl 3) As per the updated title report dated xx/xx/2021, the recorded copy of deed of trust is located at: “xx”. However, some pages are missing from the attached copy of the mortgage.    
30670335 xx xx xx 0270b5a0-6846-4580-a03f-12f44a18d0d3 561 561-3210 xx QM-TRID QC Complete Vermont $xx Credit Doc Issue Active 4: Unacceptable * Note is missing or unexecuted (Lvl 4) The copy of note along with lost note affidavit are missing from the loan file and loan has not been modified since origination.    
1710836 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final CD reflects closing date as xx/xx/2021. Notary signature date on the Mortgage/Deed of Trust is xx/xx/2021. Final Application date xx/xx/2021 electronically signed by borrower.    
1710836 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is non-owner occupied. Seller tape show this loan is not saleable, loan was conditioned for DU only due to having an exterior appraisal on a FNMA owned property. The DU is referring. LP was used however property is NOO Investment so cannot be sold to FNMA. A Full Appraisal should have been ordered prior to closing if loan was not eligible for DU.    
1710836 xx xx xx bbe82b12-eddd-4a07-9e0d-03ad80095bd9 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * Application Not Signed by All Borrowers (Lvl 3) Final Application date xx/xx/2021 electronically signed by borrower.    
1710836 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2021. Notary signature date on the Mortgage/Deed of Trust is xx/xx/2021. Note date is xx/xx/2021.    
63610676 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
63610676 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows as this loan not saleable due to the HFA preferred code was used for the down payment assistance. The loan is a FNMA 97, when the HFA code was removed, the DU is ineligible and cannot be delivered to FNMA and AUS decision is Approve/Ineligible.    
63610676 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the Pennsylvania license validation test due to the Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a closing date before November 5th, 2008. Additionally, the Pennsylvania First Mortgage Banker License, Pennsylvania Secondary Mortgage Loan License, Pennsylvania Unlicensed (Subordinate Lien), and Pennsylvania Exemption Letter are not available for loans with a closing date on or after January 1st, 2009.		    
18090436 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete West Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2019 reflects Points - Loan Discount fee at $1.00. However, Final CD dated xx/xx/2019 reflects Points - Loan Discount Fee at $55.53. This is an increase in fee of $54.53 for charges that cannot increase.    
18090436 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete West Virginia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
18090436 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete West Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows undisclosed mortgage debt not included in DTI. Including the debt may push DTI to xx%. Unable to rely on docs in file and unable to calc ATR.    
18090436 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete West Virginia $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal Summary ( 1008 ) is missing from the loan documents.    
53412953 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows BWR does not have stable income. Further details not provided. Unable to rely on documents in file and unable to calculate ATR    
86552705 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home is affixed.
According to an appraisal report located at “xx”, the subject property type is manufactured home. The ALTA-7 endorsement for a manufactured home is incorporated with the final title policy. Also, the VIN# is not available in the legal description of the recorded mortgage. The affidavit of affixation is available at “xx” which states the home is affixed to permanent land & shows VIN# xx.		    
86552705 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows detect as "This is not saleable - loan is a HomeReady, xx% LTV and a DU condition for a HBEC and one was not obtained."    
49751729 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject loan closed as primary occupancy. Tape shows subject is NOO based on BWR occupancy misrep.    
75896332 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows borrower requirements not met. This loan is not saleable due to the fact a HBEC was not obtained, DU conditioned for it, borrower is a FTHB and LTV is xx% on this purchase. AUS decision is Approve/Eligible.    
75896332 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
75896332 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Market Condition addendum is missing from the loan documents.    
75896332 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the lender credits that cannot decrease test. Initial CD dated xx/xx/2021 reflects Lender Credit at $213.19. However, Final CD dated xx/xx/2021 reflects Lender Credit at $19.38. This is decrease of $193.81 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.    
34638090 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) This loan failed the higher-priced mortgage loan test. Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.

Higher-Priced Mortgage Loan Test: FAIL      Charged: 5.792%      Allowed: 5.030%      Over by: +0.762%		    
34638090 xx xx xx 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) The subject loan is a FHA. LTV/CLTV of the loan is exceeded xx% as the appraised value / purchase price of the subject property (xx) is less than the loan amount is $xx.    
34638090 xx xx xx 249ccfc8-8061-4638-a74f-933a4ad40fc5 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Credit Legal Docs Active 3: Curable * Loan has escrow holdback. No proof it was released (Lvl 3) Provided final CD (locator#xx) in the loan file shows the Escrow holdback for $5,196.00. However, the copies of Appraisal 1004D Update/Completion report & the proof of release of fund are missing from the loan file.    
34638090 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Appraisal report dated xx/xx/2020 is subject to Repairs due to the 203K work write up meeting the minimum FHA/HUD requirements as outlined in the Handbooks 4000.1. However, final CD reflects escrow holdback for $5,196.00. Updated 1004D is missing from the loan documents.    
34638090 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) FHA MI certificate is missing from the loan file.    
34638090 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The provided Seller’s tape is showing an alert that the subject loan is a FHA and not insured due NOR pre-endorsement delinquency.    
34638090 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) CE Risk indicator is "Elevated" due to following factors:

1. This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (5.792%) is exceeded APOR (5.030%) by 0.762%. The APR threshold is 5.030% and the subject loan is escrowed one.
 
Qualified Mortgage Safe Harbor Threshold Test: FAIL      Charged: 5.792%      Allowed: 5.030%      Over by: +0.762%

2. This loan is failed for FHA QM Safe Harbor Test as APR (5.792%) is exceeded APOR (5.530%) by 0.262%. The APR threshold is 5.530% and the subject loan is escrowed one.
 
FHA QM Safe Harbor Test: FAIL    Charged: 5.792%      Allowed: 5.530%      Over by: +0.262%

3. This loan failed the CT nonprime home loan test. The loan is a nonprime home loan, as defined in the legislation.		    
34638090 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) A copy of initial CD is missing from the loan file.    
34638090 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase did not test TRID Tolerance test since an initial CD is missing from the loan file.    
8212286 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Nevada $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home has been affixed. As per the appraisal report located at “xx”, the subject property type is Manufactured House. However, as per the Affidavit of Affixation located at “xx”, the subject property has been affixed to permanent foundation.    
8212286 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Qualified Mortgage APR Threshold Test due to APR Charged 5.758% APR Threshold 5.200% Over by +1.416%. Subject loan is escrowed.
Qualified Mortgage Safe Harbor Threshold Test due to APR Charged 5.758% APR Threshold 4.450% Over by +1.308%. Subject loan is escrowed.		    
8212286 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Nevada $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows guidelines require AUS. No AUS approval due to data entry error. However, AUS is available in loan file (locator# xx) and recommendation is Approve/Eligible.    
8212286 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed the Higher-Priced Mortgage Loan Test due to APR Charged 5.866% APR Threshold 4.450% Over by +1.416%. Subject loan is escrowed.    
8212286 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
39762252 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that in total cannot increase more than 10% test. Missing valid COC for a total fees increased of $680.50 on final CD dated xx/xx/2020.
Provided PCCD reflects the cumulative Fees in B section increased of 44.317% with the amount of $680.50 in Creditor's Providers Fees which exceeded the 10% tolerance for creditor's providers fees and a valid COC is required.		    
39762252 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).		    
39762252 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete Washington $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Subject OO home is a commercially operated adult family home. Elevated for client review.    
39762252 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as OO but tape shows fraud investigation resulted in property being a commercial property adult family home.    
21632428 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $231,745.08. Calculated Finance charge is $231,844.68 for an under disclosed amount of $99.60. Reason for Finance Charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.    
21632428 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows BWR SE income unable to be used as one business was closed and another was funded by a lease agreement and not a typical SE business.  Unable to rely on docs in file and unable to calc ATR.    
21632428 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Compliance Ease delivery and timing test for Revised Closing Disclosure dated xx/xx/2021. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2021 which is less than 3 business days from the Consummation date xx/xx/2021.    
21632428 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan documents.    
21632428 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Credit Doc Issue Active 3: Curable * Missing flood cert (Lvl 3) Flood insurance certificate is missing from the loan documents.    
21632428 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
21632428 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New Mexico $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to decrease in Lender Credit on Final Closing Disclosure dated xx/xx/2021. Revised CD dated xx/xx/2021 reflects Lender Credit at $700.00 Paid by lender, however, Final CD dated reflects Lender Credit at $00.00. This is decrease of $700.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan document.    
89057751 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower’s income is $xx and total expenses are in the amount of $6,494.75 and the loan was underwritten by AUS/DU (locator#xx) & its recommendation is “Approve/Eligible” and DTI is showing in it as xx%.    
89057751 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape is showing an alert that the subject loan is a VA cash-out and is having 210 days seasoning issue. The underwriter used an incorrect 1st payment date.    
30492355 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller Tape shows, this loan is un insurable due to VA Seasoning requirement of 210 days is not met.    
30492355 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to increase of fee in Initial CD dated xx/xx/2021. Initial LE dated xx/xx/2021 does not reflect Points and Fees, However, Initial CD dated xx/xx/2021 reflect Points and Fees at $0.01. This is fee increase of $0.01 for 0% tolerance test fee. Valid COC is missing from the loan document.


Loan failed charges that cannot decrease test. Initial LE dated xx/xx/2021 reflects Non-specific lender credit at $660.00. However, Final CD dated xx/xx/2021 reflects Non-specific lender credit at $644.33. This is decrease of $15.67 for charges that cannot decrease. Valid COC for the decrease in NSLC is missing from the loan documents.		    
43008228 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a Rate Lock Agreement signed by Borrower(s) or memorialized comment by the Loan Officer.    
43008228 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller defect shows there was an undisclosed mortgage that may push DTI over xx%. Unable to rely on docs in file and unable to calc ATR.    
2897453 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan has failed Initial Closing Disclosure Delivery Date Test.

Initial Closing Disclosure was issued on xx/xx/2021. The disclosure is unsigned. DT for the same is missing. 3 days mail rule is applied and delivery date was entered as xx/xx/2021. Final Closing Disclosure is issued and signed on xx/xx/2021.		    
2897453 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of Rate lock agreement is missing from the loan file.    
2897453 xx xx xx ebd7fc7c-fc00-428d-8dd3-cfd3478eadae 561 561-3210 xx QM-TRID QC Complete Maryland $xx Valuation Value Active 4: Unacceptable * Value used by lender not supported (Lvl 4) Tape shows defect that subject was purchased within last 90 days of prior transfer. Prior sale closed 6/xx/21 for $xx. Subject contract date 7/xx/21 for $xx. No noticeable improvements noted in appraisal. Elevated for client review.    
2897453 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $2,570.00 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with xx%.    
59581355 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $1,308.57 per AUS/DU (locator#xx) and its recommendation is “Accept/Eligible with xx%.”.    
53918379 xx xx xx 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) As per uniform appraisal report the appraisal value is $xx and the loan amount is $xx therefore LTV / LTV shows xx% which exceeds xx%.    
53918379 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
53918379 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan has failed TILA Post-Consummation Revised Closing Disclosure Finance Charge Test and TILA Post-Consummation Revised Closing Disclosure APR Test.

The disclosed finance charge is $113,160.41 and allowed is $122,061.02 however it is undercharge by $8,900.61.

This loan has failed Non-Numeric Clerical Error and Post-Consummation Revised Closing Disclosure Delivery Date Test

Final CD was disclosed on xx/xx/2019 and PCCD was disclosed after 60 days on xx/xx/2019.

Subject loan is a purchase, originated on xx/xx/2019 and the SOL is 1 year.		    
53918379 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan has failed Charges That Cannot Increase Test, because Initial LE dated xx/xx/2019 shows Points - Loan Discount Fee at $1,325.00, however Final CD dated xx/xx/2019 shows Points - Loan Discount Fee at $1,490.91. This is a fee increase of $165.91 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
53918379 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issues. "Indemnification signed for LPA findings refer with caution - loan now in default so re-purchase required under terms of Indemnification.”    
53918379 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $1,440.11 and the loan was underwritten by AUS/LP (locator# xx) and its recommendation is “Caution/Eligible” with xx%.    
47743727 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan has failed TILA Finance Charge Test.

The disclosed finance charge is $85,874.64 and allowed is $87,027.42 however it is undercharge by $1,152.78. Subject loan is a purchase, originated on xx/xx/2019 and the SOL is 1 year.		    
47743727 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit disclosure is missing from the loan file.    
47743727 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock document is missing from the loan file.    
47743727 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Alabama $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller provided tape data, "Unacceptable property. Barn/Workshop style home. Veteran has zero eligibility.".    
40420995 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan has failed Charges That Cannot Increase Test, because Initial LE dated xx/xx/2021 shows Transfer Taxes at $0.00, however Final CD dated xx/xx/2021 shows Transfer Taxes at $474.50. This is a fee increase of $474.50 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
40420995 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
40420995 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $1,996.36 and the loan was underwritten by AUS/LP (locator# xx) and its recommendation is “Approve/Eligible” with xx%.    
40420995 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller defect shows unable to verify amended tax returns used to qualify were actually filed. Unable to rely on documents in file and unable to calculate ATR.    
72797806 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) 1. This loan failed the TILA finance charge test. The finance charge is $150,611.44. The disclosed finance charge of $149,519.44 is not considered accurate because it is understated by more than $100.

2. This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $150,611.44. The disclosed finance charge of $149,519.44 is not considered accurate for purposes of rescission because it is understated by more than $35. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.		    
75251323 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income was $xx and total expenses are in the amount of $3,687.28 per AUS/DU (locator#xx) and its recommendation is “Approve/Eligible with xx%”.    
75251323 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a rate lock agreement signed by borrower(s) or memorialized comment by the Loan Officer.    
23538365 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a rate lock agreement signed by borrower(s) or memorialized comment by the Loan Officer.    
23538365 xx xx xx 0ab579f3-c312-4cda-be6a-81173bce9471 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit AUS Active 3: Curable * DU/GUS/AUS has issues or conditions (Lvl 3) Final DU incomplete.  Final DU reflects monthly insurance premium at $85.55; however, the MI certificate reflects monthly insurance premium at $61.11.    
58467809 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) The net operating income is $27,637.32 and annual payments (Debt Service) is $31,733.76 and there debt service cover ratio (DSCR) is 0.87% which is less than 1.    
58467809 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Missing a rate lock agreement signed by borrower(s) or memorialized comment by the Loan Officer.    
58467809 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approved as NOO. Tape shows, loan had 30 days late making it ineligible for agency delivery.    
83516983 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan was approved at xx%. Tape shows borrower was not employed at closing. Unable to rely on documents in file and unable to calculate ATR.    
83516983 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date xx/xx/2021 is more than 60 calendar days after the consummation date xx/xx/2021. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
83516983 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed the Pennsylvania license validation test due to the Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.		    
83516983 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Your home loan toolkit is missing from the loan documents.    
83516983 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan documents.    
44644357 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. Seller tape shows undisclosed lease debt not included in DTI may push DTI over xx%. Unable to rely on docs in file and unable to calc ATR    
44644357 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income was $xx and total expenses are in the amount of $2,168.92 and the loan was underwritten by LP (locator#xx) and its recommendation is “Accept” with a DTI of xx%.    
44644357 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
16989106 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial closing disclosure is missing from the loan file.    
16989106 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from the loan file.    
16989106 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Doc Issue Active 3: Curable * Missing flood cert (Lvl 3) Flood certificate is missing from the loan file.    
16989106 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
16989106 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership counseling disclosure is missing from the loan document.    
16989106 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $8,479.38 per AUS/DU (locator#xx) and its recommendation is Approve/Ineligible with xx%.    
16989106 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase TRID tolerance test is incomplete due to Initial closing disclosure is missing from the loan document.    
16989106 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) List of service providers is missing from the loan file.    
1471889 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. Tape shows undisclosed auto loans may push DTI to over xx%. Unable to rely on docs in file and unable to calc ATR    
1471889 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
1471889 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower income was $xx and total expenses are in the amount of $1,694.23 and the loan is underwritten using DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
1471889 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Illinois $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan documents.    
1471889 xx xx xx 0270b5a0-6846-4580-a03f-12f44a18d0d3 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Doc Issue Active 3: Curable * Note is missing or unexecuted (Lvl 3) The original note is located at “xx”. However, the second page of the note is missing from the loan files.    
99919814 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home is affixed. As per appraisal report located at “xx” the subject property is a manufactured home. The legal description attached with the subject mortgage does not show VIN/Serial Number. The affidavit of affixation is available with UT located at “xx” which states that the manufactured home with Serial#xx has affixed to the permanent foundation.    
99919814 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Missing valid COC for a fee increase on CD dated xx/xx/2021.  LE dated xx/xx/2021 reflects Points - Loan Discount Fee of $1,900.00; however, CD dated xx/xx/2021 reflects Points - Loan Discount Fee at $2,849.91. This is a fee increase of $949.91 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
99919814 xx xx xx 1a4aa90a-bde8-4656-91e6-849a65ed6c78 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Final Closing Disclosure (Lvl 3) Final closing Disclosure is incomplete due to not hand signed by the borrower.    
99919814 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
  
Higher-Priced Mortgage Loan Test: FAIL      Charged: 4.767%      Allowed: 4.450%     Over by: +0.317%		    
99919814 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (4.760%) is exceeded APOR (4.450%) by 0.310%. The APR threshold is 4.450% and the subject loan is escrowed one.

Qualified Mortgage Safe Harbor Threshold: FAIL     Charged: 4.760%    Allowed: 4.450%    Over by: +0.310%		    
99919814 xx xx xx fbdf2672-bb78-4d47-8239-175dbfaf8564 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Credit Active 3: Curable * Final Application Incomplete (Lvl 3) Final loan application is not hand singed by the borrower.    
42314578 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS report is missing from the loan documents.    
42314578 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per Seller tape, recertification of value was not ordered timely so the investor has rejected the exception. Transmittal summary reflects no appraisal. However, PIW disclosure signed by the borrower is missing from the loan documents.    
42314578 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Transmittal summary reflects no appraisal. However, PIW disclosure signed by the borrower is missing from the loan documents.    
42314578 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
56547869 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
56547869 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at 18%. Tape shows income misrepresentation. Further details not provided. Unable to rely on documents in file and unable to calculate ATR.    
56547869 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 does not reflect points - loan discount fee. However, final CD dated xx/xx/2020 reflects points - loan discount fee at +$90.72. This is an increase in fee of +$90.72 for charges that cannot increase. Valid COC for the increase in fee is missing.    
56547869 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan has failed PA License Validation Test.

The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a closing date before November 5th, 2008. Additionally, the Pennsylvania First Mortgage Banker License, Pennsylvania Secondary Mortgage Loan License, Pennsylvania Unlicensed (Subordinate Lien), and Pennsylvania Exemption Letter are not available for loans with a closing date on or after January 1st, 2009.		    
56547869 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as OO but per tape may be NOO due to occupancy misrepresentation. Further details not provided.    
15715172 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx   QC Complete New York $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) DSCR ratio is less than 1 due values required to be filled from operating income statement is missing from the loan documents.    
15715172 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan is NOO. Loan was approved at xx%. Seller tape shows missing rental income documents.    
68598830 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows LP is caution. No further details are provided.    
68598830 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx   QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on final CD as $146,377.64. Calculated finance charge is $146,702.64. This loan failed TILA finance charge test for an under disclosed amount of $-325.00. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
68598830 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx   QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Loan failed qualified mortgage lending policy points and fees test due to fees charged $7,769.11 exceeds fees threshold of $6,579.75. Over by +$1,189.36.
The below fees were included in the test:
Mortgage broker fee (Indirect): $5,023.13
Points - loan discount fee paid by borrower: $2,745.98		    
68598830 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx   QC Complete Virginia $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%. The borrower's income is $xx and total expenses are in the amount of $1,943.05. The loan is underwritten using LP (locator# xx) and its recommendation is “Caution” with a DTI of xx%.    
68598830 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
68598830 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx   QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged: $7,769.11. Fees threshold: $6,579.75. Over by +$1,189.36. The following fees were included in the test:
Mortgage broker fee (Indirect): $5,023.13
Points - loan discount fee paid by borrower: $2,745.98		    
68598830 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx   QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase test. Loan estimate dated xx/xx/2021 reflect points - loan discount fee as $1,619.00. However, CD dated xx/xx/2021 reflects points - loan discount fee at $2,745.98. This is a cumulative increase in fee of +$1,126.98 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
2893330 xx xx xx 199ed034-40ba-4073-9bb5-17d9a97bf057 561 561-3210 xx   QC Complete New York $xx Compliance Compliance Active 3: Curable * Loan program disclosure missing or unexecuted (Lvl 3) Subject approved as NOO at xx%. Tape shows, rental income/loss is undocumented. Unable to rely on docs in file. Elevated for client review.    
83487613 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx   QC Complete Texas $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $8,007.14 exceeds fees threshold of $6,437.51. Over by +$1,569.63.
Below fees were included in the test:   

Mortgage Broker Fee (Indirect):$5,995.00
Points - Loan Discount Fee paid by Borrower:$2,012.14.		    
83487613 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
83487613 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx   QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan failed Qualified mortgage lending policy points and fees test due to fees charged $8,007.14 exceeds fees threshold of $6,437.51. Over by +$1,569.63.
Below fees were included in the test:

Mortgage Broker Fee (Indirect):$5,995.00
Points - Loan Discount Fee paid by Borrower:$2,012.14.		    
83487613 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the issue as LP recommendation as Refer/Caution. No further details are provided.    
52613439 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $xx and total expenses are in the amount of $3,369.82 and the loan was underwritten by DU (locator# xx) and its recommendation is Approve/Eligible with a DTI of xx%.    
52613439 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) This loan is un insurable due to VA Seasoning requirement of 210 days is not met.    
52613439 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan failed compliance ease delivery and timing test for revised closing disclosure dated xx/xx/2021. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2021 which is after the consummation date xx/xx/2021.    
27754635 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape is showing an alert that the appraisal completion report is missing from the loan file.    
27754635 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of rate lock agreement is missing from the loan file.    
27754635 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx   QC Complete California $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) A copy of notice of servicing transfer disclosure is missing from the loan file.    
27754635 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx   QC Complete California $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Provided copy of appraisal report in the loan file is '"subject to" installation of CO detector in Unit 1 and 2. However, the copy of appraisal 1004D update/completion report is missing from the loan file. Provided final CD in the loan file is not showing any escrow holdback.    
36500005 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape is showing an alert that the homebuyer's education was completed after the note date (xx/xx/2021).    
36500005 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).		    
36500005 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
36500005 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) 1. This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $50.00 on final CD dated xx/xx/2021. There is a total fee increased of $50.00 for a non-shoppable fee which exceeded the 0% tolerance for non-shoppable fees.

2. This loan failed the charges that in total cannot increase more than 10% test. Missing valid COC for the total fees increased of $62.00 on the final CD dated xx/xx/2021.
Provided final CD reflects the cumulative fees in B section increased of $62.00 in creditor's providers fees which exceeded the 10% tolerance for creditor's providers fees and a valid COC is required.		    
33950510 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Michigan $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape is showing an alert that the homebuyer education was completed after the note date (xx/xx/2021).    
33950510 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete Michigan $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of rate lock agreement is missing from the loan file.    
33950510 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx   QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $2,985.19 and the loan was underwritten by AUS/DU (locator#xx) & its recommendation is “Approve/Eligible” and DTI is showing in it as xx%.    
18831111 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows uninsured VA cause final CD reflects cash out amount $xx and no lien on title.    
18831111 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx   QC Complete Florida $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure signed by borrower is missing from loan documents.    
32142987 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx   QC Complete Georgia $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) DSCR ratio is less than 1 due values required to be filled from operating income statement is missing from the loan documents.    
32142987 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
32142987 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan is NOO. Subject approved at xx%. Income miscalculation may push DTI xx%.    
29824118 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete Washington $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
29824118 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Washington $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects that AUS submitted under legacy URLA format.    
56462239 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx   QC Complete Connecticut $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID violation due to decrease in lender credit in final closing disclosure dated xx/xx/2020. LE dated xx/xx/2020 reflects lender Credit at $419.48. However, Final CD dated xx/xx/2020 reflects lender credit at $234.48. This is decrease of $185.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing.  


TRID violation in charges that cannot increase test due to increase of fee in final CD dated xx/xx/2020. Initial LE dated xx/xx/2020 does not reflects administration fee. However, final CD dated xx/xx/2020 reflects administration fee at $1,095.00. This is fee increase of $1,095.00 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents.		    
56462239 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete Connecticut $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
56462239 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx   QC Complete Connecticut $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income was $xx and total expenses are in the amount of $5,616.95 and the loan was underwritten by DU (xx) and its recommendation is “Refer/Eligible” with a DTI of xx%.    
56462239 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Connecticut $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects that final inspection not completed.    
56462239 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx   QC Complete Connecticut $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Appraisal report dated xx/xx/2020 is subject to repairs due to the issue as the repairs noted in the improvements section that flaking paint with estimated cost of $5,000.00. Final closing disclosure does not reflect escrow holdback. However, updated 1004D is missing from the loan documents.    
92013832 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows that seasoning requirements did not met for this FHA loan.    
92013832 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx   QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed lender credits that cannot decrease test. Initial LE dated xx/xx/2020 reflects non-specific lender credit at $7,915.00. However, final CD dated xx/xx/2020 reflects non-specific lender credit at $7,900.21. This is decrease of $14.79 for charges that cannot decrease. Valid COC for the decrease in NSLC is missing from the loan documents.    
92013832 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
92013832 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx   QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) The revised loan estimate delivery date xx/xx/2020 is on the initial closing disclosure delivery date xx/xx/2020.    
46727017 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx   QC Complete Utah $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Subject loan closed without an Appraisal. However, PIW disclosure signed by the borrower is missing from the loan documents.    
46727017 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx   QC Complete Utah $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot decrease test. Revised LE dated xx/xx/2020 reflects non-specific lender credit at $382.00. However, Final CD dated xx/xx/2020 reflects non-specific lender credit at $178.20. This is decrease of +$203.80 for charges that cannot decrease. Valid COC for the decrease in NSLC is missing from the loan documents.

Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 does not reflect Subordination Fee. However, CD dated xx/xx/2021 reflects Subordination Fee at $100.00. This is an increase in fee of +$100.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.		    
46727017 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx   QC Complete Utah $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Compliance Ease delivery and timing test for closing disclosure dated xx/xx/2021. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2021 which is after the Consummation date xx/xx/2021.    
46727017 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete Utah $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
46727017 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Utah $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows FHLMC with incorrect note loan amount.    
88203178 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx   QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) 1. This loan failed the TILA finance charge test.The finance charge is $81,375.04. The disclosed finance charge of $81,206.26 is not considered accurate because it is understated by more than $100.

2. This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $81,375.04. The disclosed finance charge of $81,206.26 is not considered accurate for purposes of rescission because it is understated by more than $35. Subject loan is a refinance, originated on xx/xx/2019 and the SOL is 3 years.		    
88203178 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx   QC Complete Texas $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) A copy of notice of servicing transfer disclosure is missing from the loan file.    
88203178 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of rate lock agreement is missing from the loan file.    
16487035 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx   QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Loan failed FHA QM Rebuttable Presumption Test due to fees charged $7,916.28 exceeds fees threshold of $7,092.32 Over by +$823.96.
The below fees were included in the test:
Mortgage Broker Fee (Indirect) $7,030.99
Points - Loan Discount Fee paid by Borrower: $885.29.		    
16487035 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx   QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Initial Loan estimate dated xx/xx/2020 does not reflect Appraisal Re-Inspection Fee. However, Final CD dated xx/xx/2020 reflects Appraisal Re-Inspection Fee at $180.00. This is an increase in fee of $180.00 for charges that cannot increase. Valid COC for the addition of fee is missing from the loan documents.

Loan failed charges that cannot increase 0% tolerance test. Initial Loan estimate dated xx/xx/2020 reflects Transfer Taxes at $7,867.00. However, Final CD dated xx/xx/2020 reflects Transfer Taxes at $8,526.05. This is an increase in fee of $659.05 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.		    
16487035 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
16487035 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issue,"Uninsured FHA Loan".    
16487035 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx   QC Complete New York $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan failed GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $7,916.28 exceeds fees threshold of $7,092.32 Over by +$823.96.
The below fees were included in the test:
Mortgage Broker Fee (Indirect) $7,030.99
Points - Loan Discount Fee paid by Borrower: $885.29.		    
16487035 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx   QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 4.053% exceeds APR threshold of 5.012% over by +0.959%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
16487035 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx   QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income was $xx and total expenses are in the amount of $2,725.95 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
38494926 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject property is NOO. Seller tape shows that borrower is not employed at the time of closing. No further details provided.    
11368604 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approve at xx%. Seller tape shows LP is Caution.    
11368604 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
20768526 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx   QC Complete California $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Final CD reflects closing date as xx/xx/2021. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2021. Note date is xx/xx/2021.    
20768526 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
20768526 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is NOO. Tape shows that Initial CD was not received.    
20768526 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx   QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Operating income statement is missing from the loan documents.    
85125154 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $8,148.53 exceeds fees threshold of $7,342.55 Over by +$805.98.
The below fees were included in the test:
Mortgage broker fee (Indirect): $6,792.50.
Points - loan discount fee paid by borrower: $1,356.03.		    
85125154 xx xx xx 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf 561 561-3210 xx   QC Complete Florida $xx Credit LTV Active 4: Unacceptable * LTV or CLTV exceeds 104% (Lvl 4) Collateral value used for underwriting: $xx. Loan amount: $xx. LTV = xx%. Elevated for client review.    
85125154 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflect appraisal fee at $470.00. However, CD dated xx/xx/2021 reflects appraisal fee at $620.00. This is an increase in fee of $150.00 for charges that cannot increase. Valid COC for the increase in fee is missing from loan documents.    
85125154 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on final CD as $142,416.90. Calculated finance charge is $144,475.35 for an under disclosed amount of -$2,058.45.  Reason for finance charge under disclosure is unknown as the Fee itemization is missing. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
85125154 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails qualified mortgage lending policy points and fees test due to fees charged $8,148.53 exceeds fees threshold of $7,342.55 Over by +$805.98.
The below fees were included in the test:
Mortgage broker fee (Indirect): $6,792.50
Points - loan discount fee paid by borrower: $1,356.03.		    
85125154 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects that LTV is xx%. However, calculated LTV is xx%.    
32933006 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete Michigan $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of rate lock agreement is missing from the loan file.    
32933006 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Michigan $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape is showing an alert that the homeowner's education was not completed.    
73740939 xx xx xx 399d40af-a75c-4340-9c3c-97eadb98a8dc 561 561-3210 xx   QC Complete Florida $xx Credit Guidelines Active 2: Acceptable with Warnings * Cash out purchase (Lvl 2) The subject loan is purchase case. However, final CD reflects cash to in the amount of $579.20.    
73740939 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $4,369.93 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
73740939 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. Tape shows, undisclosed mortgage and unsourced large deposits. Unable to rely on docs in file and unable to calc ATR.    
73740939 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock provided expired on xx/xx/2020 and the loan closed on xx/xx/2020. No lock extension has been found.    
73740939 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to decrease in lender credit on closing disclosure dated xx/xx/2020. Initial LE dated xx/xx/2020 reflects Lender Credit at $132.00 However, Final CD dated xx/xx/2020 reflects lender credit at $119.94 this is decrease of $12.06 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.    
73057365 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan documents.    
73057365 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx   QC Complete California $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income was $xx and total expenses are in the amount of $5,221.42 and the loan was underwritten by AUS/DU (locator#xx) and its recommendation is Approve/Ineligible with a DTI of xx%.    
73057365 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx   QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. Seller tape shows income miscalculation may push DTI to over xx%. Unable to rely on docs in file and unable to calc ATR.    
76981863 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete Kentucky $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
76981863 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Kentucky $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows GNMA seasoning not met. No further details are available.    
43522096 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan is non owner occupied. Tape shows DU refer with caution due to rental income incorrectly calculated which may push DTI to xx%.    
16648181 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx   QC Complete Illinois $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) GSE (Freddie Mac public guidelines) QM points and fees test failed due to fees charged $7,265.00. Exceeds fees threshold of $4,526.69. Over by +$2,738.31.

The below fees were included in the test:

Loan origination fee paid by Borrower: $2,495.00
Points - Loan discount fee paid by borrower: $4,770.00.		    
16648181 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approve at xx%. Seller tape shows, LP caution multiple high risk factors.    
16648181 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx   QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Qualified mortgage lending policy points and fees test failed due to fees charged $7,265.00. Exceeds fees threshold of $4,526.69. Over by +$2,738.31.

The below fees were included in the test:

Loan origination fee paid by Borrower: $2,495.00
Points - Loan discount fee paid by borrower: $4,770.00.		    
16648181 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
15989190 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower income was $xx and total expenses are in the amount of $2,133.58 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
15989190 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows miscalculation of income. Further details not provided. Unable to rely on the loan documents and unable to calculate ATR.    
15989190 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed FHA QM Safe Harbor Test due to APR calculated 2.758% Exceeds APR threshold of 4.760% Variance: -2.002%. Subject loan is escrowed.    
15989190 xx xx xx cd78c3d6-5980-4171-a589-a92d6a853351 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 3: Curable * Rebuttable Presumption - defined by loan findings (Lvl 3) Loan failed FHA QM Rebuttable Presumption Test due to fees charged $9,558.55 fee threshold by $8,828.59. Over by $729.96. Following fees were included in this test:
Mortgage Broker Fee (Indirect): 8,181.55
Points - Loan Discount Fee paid by Borrower: $1,377.00.		    
15989190 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $9,558.55 Exceeds Fees threshold of $8,828.59 over by +$729.96. Following fees were included in this test:
Mortgage Broker Fee (Indirect) $8,181.55
Points - Loan Discount Fee paid by Borrower: $1,377.00.

Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $9,558.55 Exceeds Fees threshold of $8,828.59. Over by +$729.96. Following fees were included in this test:
Mortgage Broker Fee (Indirect) $8,181.55
Points - Loan Discount Fee paid by Borrower: $1,377.00.		    
15989190 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock provided expired on xx/xx/2021 and the loan closed on xx/xx/2021. No lock extension found.    
33941732 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete South Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects that LP updated after post-closing due to expired of credit findings cannot be updated.    
33941732 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan document.    
71814305 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx   QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date xx/xx/2021 is more than 60 calendar days after the consummation date xx/xx/2021. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
71814305 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx   QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Compliance Ease delivery and timing test for Closing Disclosure dated xx/xx/2021. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2021 which is after the Consummation date xx/xx/2021.    
71814305 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx   QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that increase more than 10% test. Initial Loan estimate dated xx/xx/2021 reflects Recording fee at $440.00. However, Post CD dated xx/xx/2021 reflects Recording fee at $893.00. This is cumulative increase in fee of +$9.00 for charges that cannot increase more than 10%.    
71814305 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx   QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Loan fails qualified mortgage points and fees test due to fees charged $11,339.92 exceeds fees threshold of $9,928.37 over by +$1,411.55.
The below fees were included in the test:
Mortgage broker fee (Indirect) $8,390.00
Points -loan discount fee paid by borrower: $2,949.92		    
71814305 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx   QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $11,339.92 exceeds fees threshold of $9,928.37 over by +$1,411.55.
The below fees were included in the test:
Mortgage broker fee (Indirect) $8,390.00
points -loan discount fee paid by Borrower: $2,949.92		    
71814305 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
71814305 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Massachusetts $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows AUS/LP recommendation status as Caution. AUS/LP xx(xx).    
33352901 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Nevada $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects that LQA mismatched findings. No further details are available.    
33352901 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx   QC Complete Nevada $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) PIW disclosure signed by the borrower is missing from the loan documents.    
33352901 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete Nevada $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
33352901 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx   QC Complete Nevada $xx Credit Doc Issue Active 3: Curable * Missing flood cert (Lvl 3) Flood certificate is missing from the loan documents.    
77749122 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Michigan $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approve at xx%. Seller tape shows, homebuyer's education is not completed and no further details provided.    
77749122 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete Michigan $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan documents.    
857882 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) The operating income statement is missing from the loan documents.    
857882 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx   QC Complete Florida $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Per tape subject is a condotel. Elevated for client review because not a standard investor type of property. Subject is a unit in a hotel with commercial amenities.    
74505644 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx   QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) The finance charge disclosed on the Final CD is $278,873.83. Calculated Finance Charge $279,098.83 for an under the disclosed amount of $225.00. The reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a purchase, originated on xx/xx/2020 and the SOL is 1 year.    
74505644 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx   QC Complete Alabama $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Your home loan toolkit is missing from the loan documents.    
74505644 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx   QC Complete Alabama $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial closing disclosure is missing from the loan documents.    
74505644 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx   QC Complete Alabama $xx Compliance Compliance Active 3: Curable * ComplianceEase State Regulations Test Failed (Lvl 3) This loan failed the late fees test due to the loan had late fees that do not conform to the requirements for the lender's license type in the state where the property is located.    
74505644 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete Alabama $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
74505644 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx   QC Complete Alabama $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID tolerance test is incomplete due to Initial CD is missing from loan documents.    
74505644 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx   QC Complete Alabama $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure is signed by the borrower is missing from the loan documents.    
74505644 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx   QC Complete Alabama $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Per tape subject is a condotel. Elevated for client review because not a standard second home type of property. Subject is a unit in a hotel with commercial amenities.    
15575909 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $11,511.00 exceeds Fees threshold of $8,263.64 Over by +$3,247.36.
The below fees were included in the test:
Mortgage broker fee (Indirect) $8,050.14
Points - loan discount fee paid by borrower: $3,460.86		    
15575909 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails qualified mortgage lending policy points and fees test due to fees charged $11,511.00 exceeds Fees threshold of $8,263.64 Over by +$3,247.36.
The below fees were included in the test:
Mortgage broker fee (Indirect) $8,050.14
Points - loan discount fee paid by borrower: $3,460.86		    
15575909 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows homebuyer's education completed after note date.    
41163945 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx   QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller tape shows DTI is xx%. Further details not provided. Unable to rely on available docs in loan file and unable to calc ATR.    
41163945 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
93233717 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income was $xx and total expenses are in the amount of $2,153.24 per AUS/DU (locator#xx) and its recommendation is “Caution/Ineligible with xx%”.    
93233717 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Missing valid COC for a fee increase on CD dated xx/xx/2021. LE dated xx/xx/2021 reflects a Credit Report Fee of $100.00; however, CD dated xx/xx/2021 reflects a Credit Report Fee at $176.58. This is a fee increase of $76.58 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
93233717 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx   QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Closing Disclosure dated xx/xx/2021 does not reflect a signature and the document tracking disclosure was not located.  Three day mail method for delivery and receipt was used and loan is failing for timing of this TRID.  Document tracker is required to ensure timing and clear timing fail.    
77668340 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx   QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/ineligible at xx%. Per tape, BWR undisclosed liability at closing may push DTI over xx%. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
77668340 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx   QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date xx/xx/2020 is more than 60 calendar days after the consummation date xx/xx/2020. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.    
77668340 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
77668340 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx   QC Complete Arizona $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower income was $xx and total expenses are in the amount of $905.51 and the loan was underwritten by DU (locator# xx) and its recommendation is Approve/Ineligible with a DTI of xx%.    
27760443 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx   QC Complete California $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Subject loan closed without an appraisal. However, PIW disclosure signed by the borrower is missing from the loan documents.    
27760443 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx   QC Complete California $xx Credit Credit Active 4: Unacceptable * DSCR is less than 1.00 (Lvl 4) Subject tape is showing missing PITI for other BWR investment properties. Impact unknown. Loan is an NOO and not subject to ATR/QM testing but elevating for client review as unable to determine reasonableness of DSCR for loan and overall BWR status.    
34040343 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete Alabama $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
34040343 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx   QC Complete Alabama $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2021 delivered on xx/xx/2021 which is more than 3 business days from initial application date xx/xx/2021.    
34040343 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx   QC Complete Alabama $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed compliance ease delivery and timing test. Initial loan estimate is dated xx/xx/2021 and delivery date is xx/xx/2021. Initial application date is xx/xx/2021. Document tracker proving the delivery of initial LE within 3 business days is missing from the loan documents.    
34040343 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx   QC Complete Alabama $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows that DU is ineligible due to multiple high-risk factors.    
34040343 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx   QC Complete Alabama $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%. The borrower's income is $xx and total expenses are in the amount of $2,037.96. The loan is underwritten using DU (locator# xx ) and its recommendation is “Approve/Ineligible” with a DTI of xx%.    
49848529 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx   QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
49848529 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx   QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income was $xx and total expenses are in the amount of $3,335.34 and the loan was underwritten by LP (locator# xx) and its recommendation is “Accept” with a DTI of xx%.    
49848529 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx   QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape shows other undisclosed liability. DTI may rise to xx%. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
49848529 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx   QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The borrower's intent to proceed is missing in loan file.    
17348492 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) 1. Finance charge disclosed on Final CD as $141,420.82. Calculated Finance charge is $141,595.82 for an under disclosed amount of -$175.00. Reason for Finance Charge under disclosure is unknown as the Fee Itemization is missing.

2. Finance charge disclosed on Post CD as $141,420.82. Calculated Finance charge is $141,545.82 for an under disclosed amount of -$125.00. Reason for Finance Charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.		    
60898481 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $xx and total expenses are in the amount of $7,161.66 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
60898481 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan documents.    
60898481 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows BWR was not employed at closing and borrower was subsequently terminated. Unable to rely on docs in file and unable to calc ATR    
60898481 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
60898481 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase TRID tolerance test is incomplete due to initial CD is missing from the loan documents.    
60898481 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase State Regulations Test Failed (Lvl 3) This loan failed the bona fide discount points test. Due to the loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000 and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate.    
60898481 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Initial Loan Estimate delivery date test failed due to initial LE dated xx/xx/2020 and signed on xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.    
37378532 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xxand total expenses are in the amount of $1,395.50 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%. Transmittal summary reflects DTI of xx% and Post closed DU dated xx/xx/2021 DTI of xx%.    
37378532 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. Seller tape shows, income miscalculation and undisclosed debts may push DTI to xx%. No further details provided. Unable to rely on documents in file and unable to calculate ATR.    
37378532 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial loan estimate is missing from the loan documents.    
37378532 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID tolerance test is incomplete due to initial LE and initial CD documents are missing from loan documents.    
37378532 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Maryland $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan documents.    
37378532 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial closing disclosure is missing from the loan documents.    
67465028 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows co-borrower was not employed at time of closing and that may push DTI to xx%. Unable to rely on documents in file and unable to calculate ATR.    
67465028 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase TRID tolerance test is incomplete due to initial closing disclosure is missing from the loan documents.    
67465028 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $3,783.71 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is Approve/Eligible with a DTI of xx%.    
97608446 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the Pennsylvania license validation test.

The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a closing date before November 5th, 2008. Additionally, the Pennsylvania First Mortgage Banker License, Pennsylvania Secondary Mortgage Loan License, Pennsylvania Unlicensed (Subordinate Lien), and Pennsylvania Exemption Letter are not available for loans with a closing date on or after January 1st, 2009		    
97608446 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial Closing Disclosure is missing from the loan documents.    
97608446 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%.Tape shows SE income unsupported and missing bank statements and tax returns. Unable to rely on documents in file and unable to calculate ATR.    
97608446 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan has failed Initial Closing Disclosure is missing from the loan documents.

Initial LE was issued on xx/xx/2021 and borrower has signed it on xx/xx/2021. The difference is more than 3 business days.		    
97608446 xx xx xx 0ab579f3-c312-4cda-be6a-81173bce9471 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit AUS Active 3: Curable * DU/GUS/AUS has issues or conditions (Lvl 3) Pre-close DU is missing in the loan file. Post-close DU is located at "xx" and it's recommendation is "Approve/Ineligible" at xx%.    
97608446 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) Test is incomplete as initial CD is missing in the loan file.    
97608446 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Your home loan toolkit / acknowledgment / disclosure tracking is missing in the loan file.    
21420637 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the lender credit that cannot decrease test. Missing a valid COC for a non-specific lender credit decreased in the amount of $6.86 on the final CD dated xx/xx/2021.    
21420637 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the lender credit that cannot decrease test. Missing a valid COC for a non-specific lender credit decreased in the amount of $6.86 on the final CD dated xx/xx/2021.    
21420637 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape is showing an alert that there are 4 refinance final CDs which are missing.    
2209038 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income was $xx and total expenses are in the amount of $1,959.07 and the loan was underwritten by DU (locator- xx) and its recommendation is “Refer with caution” with a DTI of xx%.    
83443015 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the issue as EPD - no defect. No further details are provided.    
83443015 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) The Affiliated business disclosure is missing from the loan documents.    
13644351 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape is showing an alert that the subject loan is in early payment default (EPD).    
13644351 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) The subject loan was closed without appraisal. However, an executed copy of PIW disclosure is missing from the loan file.    
32966251 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows borrower made the first payment 30 days late and the loan is now unsaleable.    
32966251 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed TRID tolerance test charges that cannot increase 0% and charges that in total cannot increase more than 10% test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2021 which is digitally received on xx/xx/2021 which is more than 3 business days from initial application date xx/xx/2021.    
32966251 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $xx and total expenses are in the amount of $3,914.28 and the loan was underwritten by DU (locator xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
32966251 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
32966251 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
32122727 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
32122727 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows, property was sold prior for $xx on xx/xx/2020.however appraisal report dated on xx/xx/2020 shows appraised value come down to $xx.this indicates value of appraisal deficiencies.    
32122727 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) The net operating income is $6,555.96 and annual payment is (debt services) is $3,344.04 and their debt service cover ratio (DSCR) is 0.84, which is less than 1.    
97745714 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows borrower was not employed at closing. Unable to rely on docs in file and unable to calc ATR.    
97745714 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
97745714 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan documents.    
16781597 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller tape shows undisclosed auto loan debt is not included which may push DTI to xx%. Unable to rely on documents in file and unable to calculate ATR.    
16781597 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $1,870.23 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
90542276 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 reflects points - loan discount fee at $750.00. However, CD dated xx/xx/2020 reflects points - loan discount fee at $2,000.00. This is an increase in fee of $1,250.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
90542276 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $xx and total expenses are in the amount of $5,794.82 and the loan was underwritten by LP (locator# xx) and its recommendation is “Accept” with a DTI of xx%.    
90542276 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows UW did not complete the full appraisal screen in PCL and AUS was run with interior and exterior appraisal.    
90542276 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
90542276 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
80267603 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $3,705.77 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
80267603 xx xx xx 4fd35644-4c06-4404-bca7-d875a4d22df1 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 3: Curable * Note data is missing or inaccurate (Lvl 3) Note dated xx/xx/2021 reflects P&I as $886.36 and note amount $xxK. Final CD dated xx/xx/2021 reflects P&I as $1,506.90, same note amount of $xx . Note date xx/xx/2021 reflects corrected P&I as $1,506.90 which is located at xx_pg#xx. Elevated for client review.    
80267603 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
80267603 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows this loan is not saleable due to aging, the note term was not correct and once corrected we exceeded both Fannie Mae and Freddie Mac's 6 months seasoning allowance. Loan cannot be seasoned more than 6 months from the note date to delivery.    
80267603 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2021. Notary's signature date on the Mortgage is xx/xx/2021. Note date is xx/xx/2021.    
32468129 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The borrower is first time homebuyer. Seller tape shows homeownership education and housing counseling is not obtained which is needed for first time homebuyer.    
32468129 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
32468129 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2020 delivered on xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.    
32468129 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails compliance ease delivery and timing test. Initial LE dated xx/xx/2020 delivered on xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.    
32468129 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower income was $xxand total expenses are in the amount of $1,490.56 and the loan was underwritten by DU (locatorxx1) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
75814837 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The tape shows this loan was originally kicked from a xx trade due to what was reported as delinquency. The loan is aged and had to be pulled with FNMA or FHLMC as of 9/x; however, the property is in a declared disaster area in CA and requires a FEMA cert therefore.    
75814837 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
78078104 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject property is NOO. Tape shows subject property is not saleable due to missing of full appraisal and incorrect AUS to deliver with an exterior only appraisal.    
78078104 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
78078104 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2021. Notary’s signature date on the Mortgage/Deed of Trust is unexecuted. Note date is xx/xx/2021.    
62787739 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Per tape subject is a condotel unit at XX SC. Elevated for client review because not a standard second home type of property. Subject is a unit in a hotel with commercial amenities.    
63703566 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
63703566 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows that homeownership education & housing counseling was not obtained prior to closing as required by DU.    
63703566 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID violation in charges that cannot increase test due to increase of fee in CD dated xx/xx/2021. Initial LE dated xx/xx/2021 does not reflect appraisal re-inspection fee. However, final CD dated xx/xx/2021 reflects appraisal re-inspection fee at $150.00. This is fee increase of $150.00 for 0% tolerance test fee. Valid COC for the increase in fee amount is missing in the loan documents.    
23702063 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) PIW is missing from the loan documents.    
23702063 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed QM Safe Harbor Test threshold test due to APR calculated 4.537% exceeds APR threshold of 4.270% over by +0.267%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
23702063 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2021. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2021. Note date is xx/xx/2021.    
23702063 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) 1. Loan fails ComplianceEase delivery and timing test Initial Loan Estimate dated xx/xx/2021. Document is electronically signed by borrower on xx/xx/2021 which is not within 3 business days from initial application date xx/xx/2021.

2.Loan fails ComplianceEase charges that cannot increase test and charges that cannot increase more than 10% due to loan failed initial loan estimate delivery and timing test.		    
23702063 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 5.486% exceeds APR threshold of 4.270% over by +1.216%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
23702063 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
23702063 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the NC rate spread home loan test due to The loan is a rate spread home loan, as defined in the legislation. For more information please see the North Carolina Rate
Spread Home Loan Article section of the full ComplianceAnalyzer report. While the North Carolina Rate Spread Home Loan provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy rate spread home loans even if the additional conditions are met.		    
23702063 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects this loan is unsaleable to Fannie Mae due to failing QM requirements as announced in LL 2021-11. Validated with the QM team and would have been delivered prior to 8/31.    
53792437 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $xx and total expenses are in the amount of $5,539.29 and the loan was underwritten by LP (locator#xx) and its recommendation is “Accept” with a DTI of xx%.    
53792437 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2021.  Notary's signature date on the mortgage is xx/xx/2021.  Note date is xx/xx/2021.    
53792437 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Washington $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) PIW is missing from the loan documents.    
53792437 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard insurance policy is missing from the loan documents.    
53792437 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows this loan is not deliverable, 1st payment date exceeds 62 days from the note date, note august 20th and 1st payment date November 1.  Will request an exception from FHLMC and move back to MCT if approved.    
53792437 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
58913144 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income was $xx and total expenses are in the amount of $4,376.95 and the loan was underwritten by DU (locator# xx) and its recommendation is Approve/Eligible with a DTI of xx%.    
58913144 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails Revised Closing Disclosure delivery date test. Revised CD dated xx/xx/2021 not signed by borrower added three business days to get receipt date xx/xx/2021 that is after the consummation date xx/xx/2021. Document tracker is proving Revised CD is delivered within three business days is missing from the loan documents.    
58913144 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows the loan is not saleable due to missing the HBEC although required on DU.    
86007010 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows LTV is xx. As per Freddie guidelines loan is ineligible.    
86007010 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
93963922 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the issue as PIW signed by the borrower is missing from the loan documents.    
93963922 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
76847808 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approved as NOO at 31%. Seller defect shows income and asset miscalculated and CPA letter to address nature of obligation that the obligation is renewable and customary for business is missing from the loan documents. Elevated for client review.    
19188388 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the issue as after final approval the loan amount and loan purpose has changed. The final approval of loan purpose was change in rate term refinance without PIW.  When the loan amount was increased by $xx, the purpose of refinance changed to cash out without PIW. At the end AUS was corrected by post-close, PIW lost.    
19188388 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November 5th, 2008.
The Pennsylvania mortgage lender license and Pennsylvania exemption letter (Mortgage Act) are not available for loans with a closing date before November 5th, 2008. Additionally, the Pennsylvania first mortgage banker license, Pennsylvania Secondary Mortgage Loan License, Pennsylvania unlicensed (Subordinate Lien), and Pennsylvania exemption letter are not available for loans with a closing date on or after January 1st, 2009.		    
19188388 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Loan failed charges than in total cannot increase more than 10% tolerance test. Revised loan estimate dated xx/xx/2021 reflects the sum of section C fees and recording fee at $3,248.00. However, post closing disclosure dated xx/xx/2021 reflects the sum of section C and recording fee at $3,592.00. There is an cumulative increase of $19.20 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.    
19188388 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges than in total cannot increase more than 10% tolerance test. Revised loan estimate dated xx/xx/2021 reflects the sum of section C fees and recording fee at $3,248.00. However, post closing disclosure dated xx/xx/2021 reflects the sum of section C and recording fee at $3,592.00. There is an cumulative increase of $19.20 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.    
19188388 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) PIW signed by the borrower is missing from the loan documents.    
19188388 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from loan documents.    
15615826 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application is missing from the loan documents.    
15615826 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows Appraisal is missing as the loan closed without an Appraisal or PIW Approval. LP never offered PIW.    
15615826 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject AUS missing from file. 1008 shows DTI at 39% but tape shows DTI xx%. Without AUS in file, taking a conservative approach and relying on seller tape at xx%. Unable to rely on docs in file and unable to calc ATR. Elevated for client review.    
15615826 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) LP with the loan amount of xx is missing from the loan documents.    
15615826 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Ohio $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan documents.    
15615826 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
57071013 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income was $xxand total expenses are in the amount of $3,758.06 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
57071013 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails Compliance Ease delivery and timing test for revised closing disclosure dated xx/xx/2021. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2021 which is less than 3 business days from the Consummation date xx/xx/2021.    
57071013 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal summary is missing from the loan documents. 5552 complete  
57071013 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
19734260 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
19734260 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject closed with exterior only appraisal. Seller tape shows full appraisal ordered and exception wavier requested by FNMA. FNMA exception declined for loan delivery with full appraisal dated note date.    
19734260 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income was $xx and total expenses are in the amount of $3,161.36 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
14284440 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xxand total expenses are in the amount of $3,131.56 and the loan was underwritten by AUS/LP (locator# xx ) and its recommendation is “Caution” with a DTI of xx%.    
14284440 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal summary is missing from the loan documents.    
14284440 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
14284440 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed document is missing from the loan documents.    
72387560 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The subject property is an investment. Provided seller’s tape is showing the following alerts-

1. There is a discrepancy between final 1003 and the documentation stated and/or verified in the loan file. Missing loan application that accurately reflect the borrower's income, assets, liabilities and schedule of real estate owned.

2.  The loan file shows the mortgage statements are not in the name of the borrowers; however, it shows the same address which is shown on the borrower's tax return.

3. Missing corrected & updated transmittal summary.

4. Letter of explanation with acceptable evidence that the income stated on tax return schedule E is associated with the properties named "xx" were not owned properties by the borrower yet which are listed.		    
28070306 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The subject property is an investment. Provided seller’s tape is showing the following alerts-

1. There is a discrepancy between final 1003 and the documentation stated and/or verified in the loan file. Missing loan application that accurately reflect the borrower's income, assets, liabilities and schedule of real estate owned.

2.  The loan file shows the mortgage statements are not in the name of the borrower; however, shows the same address which is shown on the borrower's tax return.

3. Missing corrected & updated transmittal summary.

4. Letter of explanation with acceptable evidence that the "xx" properties are not owned properties by borrower yet are listed as an income on the borrower's 1040 tax return schedule E.		    
71938426 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject property is NOO. Tape shows loan application that accurately reflect the borrower's income, assets, liabilities, schedule of real estate owned is missing from the loan documents.

The xx properties are not owned properties yet are listed as income on borrower's 1040 Tax Return Schedule E. The loan files show mortgage statements not in the name of borrowers.

Missing corrected and updated transmittal summary to accurately reflect verified loan documentation for income, assets, liabilities and schedule of REO for all loans.		    
72071145 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is NOO. Seller tape shows BWR has finance of 11 properties.    
72071145 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from loan documents.    
72071145 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
59237322 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approved as NOO at xx%. Tape shows, missing required income documents and unable to deliver to agency due to age of loan. Unable to rely on docs in file.    
96581153 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approved as NOO. Tape shows, the subject mortgage does not meet the eligibility requirements set forth in Freddie Mac Bulletin 2020-5 due to an exterior only appraisal was used; however, a full interior and exterior appraisal is required for all cash out refinance investment loans.    
26701449 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrowers income is $xx and total expenses are in the amount of $2,364.09 and the loan was underwritten by LP (locator# xx) and its recommendation is “Accept” with a DTI of xx%.    
26701449 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date xx/xx/2020 is more than 60 calendar days after the consummation date xx/xx/2020. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.    
26701449 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. Tape shows student loan debt was miscalculated. Monthly student loan debt of $564 was considered and using the monthly payment of $763, DTI increases from xx% to xx%. Unable to rely on docs in file and unable to calc ATR.    
26701449 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 reflects HOA Certification Fee at $275.00. However, CD dated xx/xx/2020 reflects  HOA Certification Fee at $340.00. This is an increase in fee of $65.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.   This loan failed the Revised Closing disclosure delivery date test due to Revised CD dated on xx/xx/2020. Document tracker is missing and 3 business days we added to get receipt date xx/xx/2020 which is after consummation date xx/xx/2020.    
26701449 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Subject loan closed with an Appraisal. However, PIW disclosure signed by the borrower is missing from the loan documents.    
26701449 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
29289706 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The subject property is an investment. Provided seller’s tape is showing an alert that missing leases for the rental properties on schedule E. LP feedback certificate invalidated due to the condition are not being met. The loan has excessive DTI.    
94427846 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) 1. This loan failed the TILA finance charge test. The finance charge is $98,142.63. The disclosed finance charge of $97,344.38 is not considered accurate because it is understated by more than $100.  2. This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $98,142.63. The disclosed finance charge of $97,344.38 is not considered accurate for purposes of rescission because it is understated by more than $35. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.    
94427846 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape is showing an alert that the appraisal is not complete or compliant. Provided incomplete appraisal with missing XML. The subject loan is a TX A6 and loan delivery with a new appraisal dated after the note date is not an option.    
94427846 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $1,305.96 and the loan was underwritten by AUS/LP (locator#xx) & its recommendation is “Caution/Ineligible” and DTI is showing in it as xx%.    
49573513 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan failed ComplianceEase delivery and timing test for Closing Disclosure dated xx/xx/2021. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2021 which is after the consummation date xx/xx/2021.    
49573513 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan was approved through LP home possible which is not accepted in this HFA's bond program.    
49573513 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $1,832.30 and the loan was underwritten by LP (locator# xx) and its recommendation is “Caution” with a DTI of xx%.    
92347408 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape is showing an alert that the subject loan is in early payment default (EPD).    
16662216 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete California $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Final transmittal summary is missing from the loan file.    
16662216 xx xx xx c39e5f9c-f158-4bb6-a13c-aaae3beee8ff 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Property Active 4: Unacceptable * Subject Property has been determine uninhabitable/Unsuitable to live in (Lvl 4) Review of the appraisal shows that while appraisal is “as is” tape shows subject is C5 condition and was the cause of repurchase. Pictures in file show a property that does not appear habitable. No costs to cure noted. Elevated for client review.    
28040298 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) The net operating income is $23,860.80 and annual payment (Debt Service) is $32,321.28 and the debt service cover ratio (DSCR) is 0.74 which is less than 1.    
28040298 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approved at xx%. Seller tape reflects, reserve requirement not met due to short funds at the time of closing. DU required reserves of $22,224.42 to be verified, the loan file reflects reserves of $20,968.72. Short $1,255.70 reserves.

Subject loan is NOO. Tape shows issue related DTI calculation may push DTI to over xx%. AUS is invalid.		    
67644204 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower's income is $xx and total expenses are in the amount of $2,162.27 and the loan is underwritten using DU (locator#xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
67644204 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows, the subject property value is $xx is not adequately supported by the comparable selected are superior materially and in condition when compared to the subject property. The subject appraised value, and therefore the subject xx% Loan-to-Value (LTV) ratio, are not adequately supported.    
93852228 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approved at xx%. Seller tape shows DU assets required are $xx and the verified assets are $xx. It is a shortfall of asset by $5,129.53. Valid proof for gifts of $5,487.00 and $8,654.00 given by donor are not available and therefore did not consider the gift amounts.    
93852228 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2021. Notary's signature date on the mortgage/deed of trust is xx/xx/2021. Note date is xx/xx/2021.    
93852228 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
26051199 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is NOO. Seller tape shows that early payment default but now current.    
26051199 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) The net operating income is $61,802.76 and annual payments (Debt Service) is $83,129.28 and the debt service cover ratio (DSCR) is -0.74 which is less than 1.    
15302447 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot decrease test. Initial LE dated xx/xx/2020 reflects non-specific lender credit at $4,205.00. However, Final CD dated xx/xx/2020 reflects non-specific lender credit at $4,075.37. This is decrease of $129.63 for charges that cannot decrease. Valid COC for the decrease in NSLC is missing from the loan documents.    
15302447 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows borrower's SE income is not supported by P&L statements and miscalculation of bank statement incomeUnable to rely on documents in file and unable to calculate ATR.    
15302447 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
15302447 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $xx and total expenses are in the amount of $4,913.13 and the loan was underwritten by LP (locator# xx) and its recommendation is “Accept” with a DTI of xx%.    
81855653 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
81855653 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows defect as "AUS was not run with the appropriate Freddie Offering ID: HFA preferred for HFA’s. when this was corrected PC, the AUS changed from an approval to a caution. Manual UW’s are not allowed"    
81855653 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 does not reflect USDA Technology Fee. However, CD dated xx/xx/2021 reflects USDA Technology Fee at $25.00. This is an increase in fee of $25.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
46381781 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income was $xx and total expenses are in the amount of $1,259.75 and the loan was underwritten by DU (locator#xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
46381781 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved at xx%. Tape shows loan closed with ineligible AUS due to DTI exceeding xx%. xx did not turn up tax returns for 2018 to 2020.    
46381781 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails Compliance Ease delivery and timing test for initial closing disclosure dated xx/xx/2021. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2021 which is less than 3 business days from the Consummation date xx/xx/2021.    
60034186 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan failed compliance ease delivery and timing test for initial CD dated xx/xx/2021. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2021 which is on the Consummation date xx/xx/2021.    
60034186 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%. The borrower’s income is $xx and total expenses are in the amount of $4,163.48 and the loan is underwritten using DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
60034186 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller tape shows that undisclosed mortgage payment of borrower with monthly payment of $840.00 increases DTI up to 54.30%. Unable to rely on the docs in loan file and unable to calculate ATR.    
60034186 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) PIW is missing from the loan documents.    
80643152 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved/eligible at xx%.Tape shows BWR misrepresentation as he was not W2 as disclosed but may be SE and is missing supporting tax returns to validated income.  Unable to rely on documents in file and unable to calculate ATR."    
80643152 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed ComplianceEase delivery and timing test for initial LE dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.    
80643152 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Subject loan closed with an Appraisal. However, PIW disclosure signed by the borrower is missing from the loan documents    
80643152 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
80643152 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to initial LE delivery and timing test. Initial LE dated xx/xx/2020 delivered on xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.    
17426919 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
17426919 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) "Tape shows subject condo is a condotel unit in a timeshare project (xx) in xx. Elevated for client review.    
88779975 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $xx and total expenses are in the amount of $2,674.14 and the loan was underwritten by LP (locator# xx) and its recommendation is “Accept” with a DTI of xx%.    
88779975 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. Tape shows self-employed income miscalculation may push DTI to over xx %. Unable to rely on docs in file and unable to calc ATR.    
88779975 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
67895312 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approved as NOO at xx%. Seller defect shows rental/Employment income miscalculation may push DTI higher. Elevated for client review.    
67895312 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete New York $xx Valuation Doc Issue Active 4: Unacceptable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) This is a purchase transaction, loan originated on xx/xx/2019 with the contract price of $xx. However, as per the appraisal report, subject had a prior sale on xx/xx/2019 for $xx. All improvements have been completed (1004D is located at xx). There might be an issue of property flipping. Elevated for client review.    
73761801 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Indiana $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal Summary is missing from the loan documents.    
73761801 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Indiana $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approved as NOO. Rental income miscalculation may push DTI over xx%.    
73761801 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
80128749 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) Total annual operating expenses are $62,000.04 and net operating income is $62,000.04. The DSCR is -0.65 which is less than 1.    
80128749 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from loan documents.    
80128749 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is NOO. Seller tape shows that appraisal is not complete as exterior only appraisal is available in the loan file which is not permitted for the refinance. Also, the mortgage that was paid off at closing was not previously owned by Freddie Mac.    
14748874 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $41,154.54. Calculated finance charge is $43,083.48 for an under disclosed amount of $1,928.94. Reason for finance charge under disclosure is unknown as the fee itemization is missing.

Loan failed TILA APR Test due to APR calculated 3.741% Exceeds APR threshold of 3.938% Variance -0.197%. Subject loan is a purchase, originated on xx/xx/2020 and the SOL is 1 year.		    
14748874 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Compliance Ease delivery and timing test for Revised closing disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is after the consummation date xx/xx/2020.


This loan failed the TRID total of payments test due to the total of payments is $180,526.12. The disclosed total of payments of $178,472.18 is not considered accurate because it is
understated by more than $100.		    
24119029 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
24119029 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Per tape and appraisal, subject is a condotel unit in the xx  Condo complex in xx  Fl. Units are listed on VRBO and Airbnb. Elevated for client review.    
86401553 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) PIW disclosure signed by the borrower is missing from the loan documents.    
86401553 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
86401553 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows borrower was not employed at the time of closing. Unable to rely on documents in file and unable to calculate ATR.    
11967016 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $2,104.79 and the loan was underwritten by LP (locator# xx) and its recommendation is “Accept” with a DTI of xx%.    
11967016 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Subject loan closed with an Appraisal. However, Market condition addendum is missing from the loan documents.    
11967016 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan is conventional. Seller tape shows program/guideline violation. No further information has been given.    
11967016 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
11967016 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial Closing Disclosure is missing from the loan documents.    
11967016 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID tolerance test is incomplete due to Initial LE and Initial CD is missing from loan documents.    
81350738 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from loan documents.    
81350738 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
81350738 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed FHA QM Safe Harbor Test threshold test due to APR calculated 4.970% exceeds APR threshold of 4.850% Over By +0.120%. Subject loan is escrowed.

Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 4.632% exceeds APR threshold of 4.350% Over By +0.282%. Subject loan is escrowed.		    
81350738 xx xx xx fbdf2672-bb78-4d47-8239-175dbfaf8564 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Credit Active 3: Curable * Final Application Incomplete (Lvl 3) Final 1003 application is not hand signed by borrower.    
81350738 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 4.970% exceeds APR threshold of 4.350% Over By +0.620%. Subject loan is escrowed.    
81350738 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
81350738 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows that loan is an uninsured FHA loan and Seller had to repurchase from Lakeview because the co-borrower had a Mortgage Credit Reject from another lender. Seller sold the loan to xx on xx/xx/21 and repurchased it today. There is a small state bond second at 0% interest and no payments due.    
8772264 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer document is missing from loan file.    
8772264 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
8772264 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test.
Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) 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 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
8772264 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
8772264 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA right of rescission test.    
8772264 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
8772264 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
8772264 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in North Carolina State. The following required state disclosures are missing from the loan file.
1. Amortization Schedule Disclosure
2. Credit Property Insurance Disclosure
3. Fee Agreement
4. Priority of Security Instrument Disclosure
5. Attorney Selection Disclosure		    
43061381 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) As per note date is xx/xx/2004 and HUD-1 settlement date is xx/xx/2004. However, the settlement date is different from note date.    
43061381 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
43061381 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
43061381 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
45838186 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) ComplianceEase TILA test failed due to This loan failed the TILA right of rescission test.
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 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
45838186 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
45838186 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
45838186 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is "Moderate" due to TILA Right of Rescission Test: FAIL    
45838186 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from the loan file.    
45838186 xx xx xx 08f7f0be-f4cf-4d4e-8244-193c7542c212 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Doc Issues Active 3: Curable * Not all borrowers signed HUD (Lvl 3) The final HUD-1 is available in the loan file but not signed by borrower.    
45838186 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 is available in the loan file but not signed by borrower.    
76382606 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
76382606 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete California $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
76382606 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final loan application is missing from the loan file.    
76382606 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non-QM QC Complete California $xx Valuation Property Active 4: Unacceptable * Property is Manufactured Housing (Lvl 4) The home is not affixed. Appraisal report is missing from the loan file. However, the BPO and updated title report shows that property type is Manufactured Home. No affixation affidavit document has been found in the loan file. Alta 7 end is not incorporated in Final title policy. The subject mortgage legal does not reflect VIN/Serial#.    
23748479 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The annual percentage rate (APR) is 10.007%. The disclosed APR of 8.990% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.    
23748479 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA APR test.    
23748479 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Settlement date is different from note date.    
23748479 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
23748479 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
23748479 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan file.    
23748479 xx xx xx c23a2eb9-a8db-4d55-a62b-42585231fc2c 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Date after actual transaction date (Lvl 2) Final TIL date is after actual transaction date.    
23748479 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Ohio $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from loan file.    
23748479 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
23748479 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
23748479 xx xx xx a0d5a3be-496f-41d6-a958-ce4e3ccae8fe 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Since the supporting documents are missing from the loan file it is difficult to determine the operative index value.    
23748479 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
19836432 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Wyoming $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The following state disclosures are missing from the loan file.

1. Insurance Disclosure
2. Charge for Insurance Disclosure		    
19836432 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Wyoming $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
65871365 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Oregon $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
65871365 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx Non-QM QC Complete Oregon $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) As per the note the transaction date is xx/xx/2007; however, as per the HUD-1 the settlement date is xx/xx/2007 which is different from the note date.    
65871365 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Oregon $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA APR Test: FAIL 0.000% 10.707% -10.707%
This loan failed the TILA APR test.
The annual percentage rate (APR) is 10.707%. The disclosed APR of 0.000% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
65871365 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non-QM QC Complete Oregon $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home has been affixed.  As per the appraisal report located at “xx”, the subject property type is Manufactured House. The Alta-7 endorsement for manufactured home is attached with the final title policy and which is located at “xx”. However, the VIN# is not available in the legal description of the recorded mortgage. The affidavit of affixation is missing.    
65871365 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete Oregon $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
65871365 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Oregon $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
65871365 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non-QM QC Complete Oregon $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
65871365 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Oregon $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan file.    
65871365 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Oregon $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
65871365 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Oregon $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
34390383 xx xx xx d37b6b0d-52a6-40cb-8ba6-8980e85842cd 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR transaction date is xx/xx/2007; the final HUD-1 shows settlement date as xx/xx/2007 and the note date is xx/xx/2007. Hence, the ROR transaction date is not consistent with the note and final HUD-1.    
34390383 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
34390383 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan files.    
34390383 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) The final HUD-1 shows the settlement date as xx/xx/2007 which is different from note date of xx/xx/2007.    
34390383 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."    
34390383 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
34390383 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete California $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan files.    
34390383 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non-QM QC Complete California $xx Valuation Property Active 4: Unacceptable * Property is Manufactured Housing (Lvl 4) "Home is not affixed. An appraisal report is missing from the loan files. As per the seller tape data, the subject property type is manufactured home. Legal description under mortgage document does not show VIN/Serial Number. Final title policy available in the loan file does not have attached ALTA 7 Endorsement with it. Tax assessment attached under updated title report located at still shows property type as manufactured home. Also, affidavit of affixation is missing from the loan file."    
27923639 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete California $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
27923639 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
27923639 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The property is located in state of California. The following required State Disclosures are missing in the loan file.
1. Impound Account Disclosure
2. Cosigner Notice
3. Private Mortgage Insurance Disclosure
4. Earthquake Disclosure forCondominiums
5. Hazard Insurance Disclosure
6. Insurer RecommendationDisclosure
7. CA Fair Lending Notice
8. Anti-Tying Disclosure
9. Privacy Notice
10. Notice of Right to Copy of Appraisal
11. Application for Credit-Married Persons
12. Fair Debt Collection Notice
13. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
27923639 xx xx xx 5b7706a0-5e0e-433e-94be-b0b0fbcc0702 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing required 1-4 family rider (Lvl 2) The subject property is investment property. However, the 1-4 rider is missing from the loan file.    
27923639 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
27923639 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
27923639 xx xx xx 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf 561 561-3210 xx Non-QM QC Complete California $xx Credit LTV Active 2: Acceptable with Warnings * LTV or CLTV exceeds 104% (Lvl 2) A uniform appraisal report is missing in the loan file, however, values are updated as per loan amount and the appraisal value is $xx and the loan amount is $xx, therefore, LTV / LTV shows xx% which exceeds 104%.    
27923639 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The loan application is missing from the loan file.    
27923639 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
27923639 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final Hud-1 along with itemization is missing from the loan file. However, the preliminary HUD is located at: “xx”.    
27923639 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non-QM QC Complete California $xx Valuation Property Active 4: Unacceptable * Property is Manufactured Housing (Lvl 4) "Home is not affixed.
An appraisal report at the origination is missing from the loan file. As per the inspection report and seller’s tape data shows that the subject property type is manufactured home. The ALTA 7 endorsement is not attached with the final title policy. The legal description attached with the subject mortgage does not show VIN Number. However, the affidavit of affixation is not available in the loan file."		    
62150323 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The final application is missing from the loan file.    
62150323 xx xx xx 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Good Faith Estimate missing or unexecuted (Lvl 2) Final GFE is missing from the loan file.    
62150323 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
62150323 xx xx xx 6d175d99-f2e3-4d75-80a0-682f8b85b1ea 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan file.    
62150323 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
62150323 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test.    
62150323 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) AS per HUD-1 settlement date is xx/xx/2012 which is not aligned with the original note date xx/xx/2012.    
62150323 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non-QM QC Complete California $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home has been affixed to the permanent foundation.
The appraisal report is missing from the loan file. As per tape the type of subject property is a manufactured home. However, the Affidavit of Affixation was found located at “xx” states the subject property has been permanently affixed to a foundation. The ALTA 7 Endorsement is not attached with the final title policy.		    
62150323 xx xx xx e99b279c-a3fe-4039-91dc-3f33c0f684d9 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan file.    
62150323 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The property is located in state of California. The following required State Disclosures are missing in the loan file.
1. Impound Account Disclosure
2. Cosigner Notice
3. Private Mortgage Insurance Disclosure
4. Earthquake Disclosure forCondominiums
5. Hazard Insurance Disclosure
6. Insurer RecommendationDisclosure
7. CA Fair Lending Notice
8. Anti-Tying Disclosure
9. Privacy Notice
10. Notice of Right to Copy of Appraisal
11. Application for Credit-Married Persons
12. Fair Debt Collection Notice
13. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
62150323 xx xx xx 08f7f0be-f4cf-4d4e-8244-193c7542c212 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issues Active 3: Curable * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not signed by the borrower.    
62150323 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
62150323 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL Loan Data $29,112.15 Comparison Data $29,590.39 Variance -$478.24.
This loan failed the TILA finance charge test.
The finance charge is $29,590.39. The disclosed finance charge of $29,112.15 is not considered accurate because it is
understated by more than $100.		    
62150323 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete California $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
58616233 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with estimated HUD-1 and itemization are missing from the loan file.    
58616233 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non-QM QC Complete California $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home has been affixed. Appraisal report is missing from loan file. As per seller’s tape data the subject property is manufactured housing. However, “Notice of Manufacturing Home Installation on a foundation system”. Attached with updated title report shows, VIN# xx.    
58616233 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer document is missing from loan file.    
58616233 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete California $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) The appraisal report is missing from loan file.    
58616233 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The final application is missing from the loan file.    
58616233 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
58616233 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business disclosure is missing from loan file.    
58616233 xx xx xx 5b7706a0-5e0e-433e-94be-b0b0fbcc0702 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing required 1-4 family rider (Lvl 2) 1-4 family rider is missing from the loan file.    
33652530 xx xx xx 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Good Faith Estimate missing or unexecuted (Lvl 2) GFE is missing from the loan file.    
33652530 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete California $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An appraisal report is missing from the loan file.    
33652530 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non-QM QC Complete California $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home is affixed. An appraisal report at the origination is missing from the loan file. As per the tape, the type of subject property is manufactured home. However, the affidavit of affixation is located at “xx” states that the manufacture home has been permanently affixed to the permanent foundation. The final title policy is missing from the loan file. The VIN# is xx. Also, the VIN# is not available in the legal description of the recorded mortgage.    
33652530 xx xx xx 6d175d99-f2e3-4d75-80a0-682f8b85b1ea 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial TIL is missing from the loan file.    
33652530 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan file.    
33652530 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The application is missing from the loan file.    
33652530 xx xx xx e99b279c-a3fe-4039-91dc-3f33c0f684d9 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Good Faith Estimate is Missing (Lvl 2) Initial GFE is missing from the loan file.    
33652530 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
33652530 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
33652530 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with estimated HUD and itemization are missing from the loan file.    
33652530 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The following disclosures are missing from the loan file.  1. Impound Account Disclosure 2. Cosigner Notice 3. Private Mortgage Insurance Disclosure 4. Hazard Insurance Disclosure 5. Insurer RecommendationDisclosure 6. CA Fair Lending Notice 7. Anti-Tying Disclosure 8. Privacy Notice 9. Notice of Right to Copy of Appraisal 10. Application for Credit-Married Persons 11. Fair Debt Collection Notice 12. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application    
21318715 xx xx xx 0270b5a0-6846-4580-a03f-12f44a18d0d3 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Doc Issue Active 4: Unacceptable * Note is missing or unexecuted (Lvl 4) The original note along with lost note affidavit is missing from the loan file. The loan has not been modified since origination.    
21318715 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issues. "Defective Mortgage seasoning timing not met - Loan did not meet GNMAs requirement for pooling VA Refinance loans."    
21318715 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
17597384 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows borrower has done early payment default.  Borrower's 1st payment was due on 09/xx/21. Borrower made Sept, Oct & Nov payment on xx/xx/2021.  Currently due for 01/xx/22. Seller will retain 2nd lien.    
17597384 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Doc Issue Active 3: Curable * Missing flood cert (Lvl 3) Flood insurance certificate is missing from loan documents.    
17597384 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
17597384 xx xx xx 3e7649ea-d4a6-431b-bedf-93e8df994bff 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Settlement services provider list is missing from the loan documents.    
17597384 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The borrower's Intent to proceed is missing in loan file.    
24901070 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $1,721.73 and the loan was underwritten by AUS/DU (locator#xx) & its recommendation is “Approve/Eligible” and DTI is showing in it as xx%.    
24901070 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
24901070 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Settlement services providers list (SSPL) disclosure is missing from the loan file.    
24901070 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership counseling disclosure is missing from the loan file.    
24901070 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape is showing an alert that the subject loan is not eligible for purchase case since it is being greater than 120 days. However, the borrower did not re-execute documents within the 120 days allotted time frame by xx.    
96380841 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $3,401.00 and the loan was underwritten by AUS/DU (locator#xx) & its recommendation is “Approve/Eligible” and DTI is showing in it as xx%.    
96380841 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Subject is a 2 family unit that has a converted garage turned into a rental unit. Per the appraisal in file, the ADU may not be legal. Tape shows repurchase over the ADU. Elevated for client review.    
96380841 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
12561912 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Nevada $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The subject property is an investment. Provided seller’s tape is showing that the HELOC was not associated with the non-subject property. When corrected it, the DTI exceeded the tolerance. Further details are not provided to confirm the same.    
53535072 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by borrower is missing from loan documents.    
3464447 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Prior loan may have been modified per tape. Seller tape also shows in VA IRRRL streamline refinance loans, there should be waiting period or gap between of 210 days first payment date of existing mortgage which is getting paid off and between closing of our new subject loans. In this loan the waiting period is not satisfied.    
3464447 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the TRID initial loan estimate date and initial closing disclosure date validation test due to initial LE dated xx/xx/2021 which is electronically signed on xx/xx/2021 and initial CD dated xx/xx/2021 which is electronically signed on xx/xx/2021.    
3464447 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed ComplianceEase delivery and timing test for revised LE dated xx/xx/2021 and electronically signed on xx/xx/2021 which is less than 3 business days of initial CD dated xx/xx/2021.    
3464447 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2021 reflects Points - Loan Discount Fee at $5,919.00. However, Final CD dated xx/xx/2021 reflects Points - Loan Discount Fee at $13,811.00. This is an increase in fee of $7,892.00 (paid by lender) for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
81479254 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $xx and total expenses are in the amount of $4,107.67 and the loan was underwritten by LP (locator# xx) and its recommendation is “Accept/Eligible” with a DTI of xx%.    
81479254 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows SE income unstable and bank statements do not support P&L

Unable to rely on docs in file and unable to calc ATR.		    
81479254 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
81479254 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan documents.    
85907303 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
85907303 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Closing disclosure dated xx/xx/2021 does not reflect a signature and the document tracking disclosure was not located.  Three day mail method for delivery and receipt was used and loan is failing for timing of this TRID.  Document tracker is required to ensure timing and clear timing fail.    
85907303 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as OO at xx%. Defect shows loan was repurchased over unknown occupancy as BWR does not have a primary residence and does not have current housing expense. Subject may be NOO. Elevated for client review.    
89920805 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approved as NOO at xx%. Seller tape shows that the rental income is incorrectly calculated and new auto debt added which is resulting in excessive DTI.    
89920805 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 1: Acceptable * Settlement date is different from note date (Lvl 1) Final CD reflects closing date as xx/xx/2021. Notary's signature date on the mortgage/deed of trust is xx/xx/2021. Note date is xx/xx/2021.    
89920805 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) The net operating income is $31,638.48 and annual payments (Debt Service) is $41,298.36 and there debt service cover ratio (DSCR) is 0.77% which is less than 1.    
50581666 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows the subject loan is VA loan. As per VA guarantee certificate reflects coverage at xx% is less than full guarantee.    
50581666 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure is missing from the loan documents.    
13769588 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan is NOO. Tape shows Rental income miscalculation and used twice income from subject property may push DTI at xx%.    
98971173 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is  $xx and total expenses are in the amount of $2,798.33 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
98971173 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows incorrect case number and cannot be underwritten manually.    
98971173 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from loan documents.    
98971173 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
17023115 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Pennsylvania license validation test. (PA HB 2179 Section 6111)
The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a
closing date before November 5th, 2008. Additionally, the Pennsylvania First Mortgage Banker License, Pennsylvania Secondary
Mortgage Loan License, Pennsylvania Unlicensed (Subordinate Lien), and Pennsylvania Exemption Letter are not available for
loans with a closing date on or after January 1st, 2009.		    
17023115 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows that max cash to close exceeded.    
17023115 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income is $xx and total expenses are in the amount of $1333.00 per AUS/DU (locator -xx) and its recommendation is "Approve/Eligible with a DTI of xx%".    
17023115 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation in Charges that Cannot Increase test due to Due to increase of Lock Extension fee in Initial CD date xx/xx/2020. In Initial LE dated xx/xx/2020 does not increase Fee at $340.91. This is Variance in Fee for 10% tolerance fee test. Valid date COC for Lock Extension is missing from the loan documents.    
17023115 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal summary is missing from loan documents.    
14977049 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
14977049 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 does not reflect Points - Loan Discount fee. However, CD dated xx/xx/2020 reflects Points - Loan Discount fee at $1,304.27. This is an increase in fee of $1,304.27for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
14977049 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS report is missing from the loan documents.    
14977049 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $2,093.30 However AUS Report is missing from the loan file.    
17637426 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $2,721.84 and the loan was underwritten by AUS/DU (locator#xx) & its recommendation is “Approve/Eligible” and DTI is showing in it as xx%.    
17637426 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape is showing an alert that there are multiple case numbers for the subject loan.    
17637426 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) FHA MI certificate is missing from the loan file.    
32321465 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2021. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2021. Note date is xx/xx/2021.    
32321465 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
32321465 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is  $xx and total expenses are in the amount of $2,309.01 and the loan was underwritten by DU (locator#xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
32321465 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approve at xx%. Tape shows Income miscalculation pushes DTI to over xx% and invalidate AUS. Further details not provided. Unable to rely on docs in file and unable to calculate ATR."    
90074065 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 1: Acceptable * Missing or error on the Rate Lock Document (Lvl 1) Rate lock agreement signed by the borrower is missing from the loan documents.    
90074065 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced mortgage loan test due to APR calculated 9.925% exceeds APR threshold of 5.600% over By +4.325%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
90074065 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed qualified mortgage safe harbor threshold test due to APR calculated 9.925% exceeds APR threshold of 5.600% over by +4.325%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
90074065 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape loan defect as EPD. Also, the borrower has died and wife making payments as successor in interest.    
90074065 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $10,323.00. Exceeds fees threshold of $7,628.47. Over by +$2,694.53.
The below fees were included in the test:
Points - Loan Discount Fee paid by Borrower: $9,324.00
Underwriting Fee paid by Borrower: $999.00.		    
90074065 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $1,589.00. Loan was manually underwritten.    
12283649 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 7.483%. Exceeds APR threshold of 5.070%. Over By +2.413%. Subject loan is escrowed.    
12283649 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows early EPD as defect.    
12283649 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $13,063.50. Exceeds Fees threshold of $11,801.19. Over by +$1,262.31.  The below fees were included in the test:  Mortgage Broker Fee paid by Borrower: $10,885.00  Points - Loan Discount Fee paid by Borrower: $1,528.50  Underwriting Fee paid by Borrower: $650.00    
12283649 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $13,063.50 Exceeds Fees threshold of $11,801.19. Over by +$1,262.31. The below fees were included in the test:  Mortgage Broker Fee paid by Borrower: $10,885.00  Points - Loan Discount Fee paid by Borrower: $1,528.50  Underwriting Fee paid by Borrower: $650.00  Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 7.483% Exceeds APR threshold of 5.070% Over By +2.413%. Subject loan is escrowed.    
12283649 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2020. Notary's signature date on the mortgage/deed of trust is 0xx/xx/2020. Note date is xx/xx/2020.    
82373308 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage Insurance certificate is missing from the loan documents.    
82373308 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) This loan failed the revised closing disclosure delivery date test due to the revised closing disclosure delivery date xx/xx/2020 is same as the consummation date xx/xx/2020.    
82373308 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal summary is missing from the loan documents.    
82373308 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows that appraisal was completed under a FHA case number that was canceled prior to closing. A new case number was ordered and loan was closed using new case number but PC is unable to complete insurance application in FHAC because appraisal tied to old case number. AMC/Appraiser is unable to update the case number on appraisal.    
82373308 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS/DU report is missing from the loan documents.    
82373308 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $2,265.15 and the loan was underwritten by AUS/DU is missing from the loan documents.    
23052700 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails qualified mortgage lending policy points and fees test due to Fees charged $6,463.92. Exceeds Fees threshold of $4,842.09. Over by +$1,621.83.
The below fees were included in the test:
Mortgage Broker Fee paid by Borrower: $4,725.00
Points - Loan Discount Fee paid by Borrower: $1,738.92

Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $6,463.92 fees threshold $4,842.09. Over By +$1,621.83.
The below fees were included in the test:
Mortgage Broker Fee paid by Borrower: $4,725.00
Points - Loan Discount Fee paid by Borrower: $1,738.92		    
23052700 xx xx xx 9ec6b0ff-0814-48f3-bf27-388542488f94 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit AUS Active 3: Curable * Document(s) Required by AUS Missing from Loan file (Lvl 3) AUS/DU report is missing from the loan documents.    
23052700 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2020 reflect tax service fee at $83.00. Final CD dated xx/xx/2021 reflects the addition of tax service fee at +$84.00. This is an increase of +$1.00 for charges that cannot increase 0% test. However, COC for the addition of tax Service fee is missing from the loan documents.    
23052700 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%. The borrower’s income is $xx and total expenses are in the amount of $2,898.88 and the AUS/DU is missing from the loan documents.    
23052700 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved at xx%. Tape shows tax returns in file do not match 4506s and DTI may be over xx%. Unable to rely on documents in file and unable to calculate ATR."    
23052700 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) Loan failed QM Safe harbor test due to APR charged 4.273% APR threshold 4.220% over by +0.053%. Subject loan is escrowed.    
23052700 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed the Higher-Priced mortgage loan test due to APR charged 4.273% APR threshold 4.220% over by +0.053%. Subject loan is escrowed.    
23052700 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Final transmittal summary is missing from the loan documents.    
23052700 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) Mortgage insurance certificate is missing from the loan documents.    
23052700 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home is affixed. As per appraisal report located at “xx” the subject property is a manufactured home. The ALTA 7 Endorsement is not attached with the final title policy. The legal description attached with the subject mortgage does not show VIN/Serial Number. The affidavit of affixation is available in the loan file located at “xx” which states that the manufactured home with serial# xx has affixed to the permanent foundation.    
25607629 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows that according to the subordination agreement included in the subject loan file, the Regions HELOC has a high credit limit of $60,000.00. The loan file includes correspondence from Regions in which they indicate that the borrowers no longer have access to additional advances. The subject loan file lacks documentation that the Regions HELOC was permanently modified to the limit of $25,134.00.The correspondence with Regions included in the loan file indicates that the borrowers executed a credit amendment but a copy of this was not included in the subject loan file. Additionally, a copy of the final title policy evidencing the modified Regions high credit limit of $25,134.00 was not included in the subject loan file. With no further documentation provided to show that the Regions HELOC credit was permanently modified, Freddie Mac must use the $60,000.00 credit limit when determining the HTLTV.    
25607629 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
25607629 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails QM points and fees test due to the fees charged to the borrower(s) exceed 3% the loan amount.  The note reflects a loan amount of $xx. Fees charged to borrower(s) equal $5,061.60 which exceeds 3% of the loan amount.    
65479903 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
65479903 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase State Regulations Test Failed (Lvl 3) This loan failed the bona fide discount points test. (NC §24-1.1A (c)(1)(b))
The loan is a first lien mortgage and has a principal amount that is greater than or equal to $10,000 and charges discount points
that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate.
Points are treated as paid for the purpose of reducing, and in fact result in a bona fide reduction of the interest rate, if they are
marked as "Bona Fide - State."		    
65479903 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows HOEPA violation however CE report reflects HOEPA test pass. No further details available. Elevated for client review.    
43789483 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows ineligible condo project.    
43789483 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
75516663 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the credit report fee test due to the loan charges a credit report fee, automated underwriting system (AUS) fee, or both, in excess of $100. The combined total for all credit report and AUS charges cannot exceed $100.    
75516663 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2020 delivered on xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.    
75516663 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows, there should be WAITING period or GAP of 210 days between the first payment date of existing mortgage which is getting paid off and between the closing of our new subject loans. In this loan the waiting period is not satisfied as the first payment of existing mortgage xx/xx/2020 is less than 210 days from closing date of loan xx/xx/2020.    
75516663 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
84372018 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
84372018 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows, Initial home equity disclosure was not provided to the borrower. The loan is not insured, it was delivered to aggregator in 217 days.    
36997721 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $1,892.91 and the loan was underwritten by AUS/DU (locator#xx) & its recommendation is “Approve/Eligible” and DTI is showing in it as xx%.    
36997721 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) The subject loan was approved at the DTI of xx%. Tape shows that including undisclosed auto debt and omitted credit card debt pushes the DTI to xx%. Unable to rely on the documents in the loan file and unable to calculate ATR.    
36997721 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
36997721 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Settlement services providers list (SSPL) disclosure is missing from the loan file.    
15068861 xx xx xx 84077b65-a48a-4839-b08b-eb476a45b7b7 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Underwriting Active 3: Curable * The final 1008 is missing (Lvl 3) Subjects P&I stated on 1008 does not match with P&I reported on Note.    
15068861 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is NOO. Tape shows UW income miscalculation error pushes DTI to xx% and invalidate AUS.    
38768764 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
38768764 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Alabama $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home is affixed. According to the appraisal report (located- xx) dated xx/xx/2020, the subject property type is Manufactured Home. The ALTA 7 Endorsement is incorporated with the short form policy. Also the VIN # xx is available in the legal description of the subject mortgage. However, Affixation document (located- xx) shows that home is affixed with permanently to the land.    
38768764 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan has failed Charges That Cannot Increase Test, because Initial LE dated xx/xx/2020 shows Appraisal Fee at $585.00 and Transfer Taxes at $87.00; however, Final CD dated xx/xx/2021 shows Appraisal Fee at $950.00 and Transfer Taxes at $89.40. This is a fee increase of $367.40 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
38768764 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer disclosure is missing from the loan file.    
38768764 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Required affiliated business disclosure is missing from the loan file.    
38768764 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock document is missing from the loan file.    
38768764 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) "Subject approved at xx%. Tape shows that BWR variable income and hours were not stable and multiple AUS ran. Unable to rely on docs in file and unable to calc ATR."    
33913809 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows credit expired and revised AUS invalid. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
33913809 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $4,127.95 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Accept/Eligible” with xx%.    
33913809 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
33913809 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure is missing from the loan file.    
33913809 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) This loan has failed GSE QM Points and Fees Test

GSE QM Points and Fees Test Inclusion
Mortgage Broker Fee (Indirect) $7,807.50
Points - Loan Discount Fee paid by Borrower: $2,311.02		    
33913809 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Right of Rescission missing or unexecuted (Lvl 3) Right of rescission is missing from the loan file.    
33913809 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows an alert as "Credit documents expired and new pull no longer meets agency guidelines (505 FICO)”.    
33913809 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan has failed Charges That Cannot Increase Test, because Initial LE dated xx/xx/2019 shows Points - Loan Discount Fee at $0.00, Credit Report Fee at $44.00 and Transfer Taxes at $0.00; however, Final CD dated xx/xx/2020 shows Points - Loan Discount Fee at $2,311.02, Credit Report Fee at $44.15 and Transfer Taxes at $937.50. This is a fee increase of $3,823.67 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
33913809 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan has failed Qualified Mortgage Lending Policy Points and Fees Test.

Charged :$10,118.52   Allowed : $9,284.37  Over By : +$834.15

Qualified Mortgage Lending Policy Points and Fees Test Inclusion
Mortgage Broker Fee (Indirect) $7,807.50
Points - Loan Discount Fee paid by Borrower: $2,311.02		    
76341259 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher Priced Mortgage Test due to APR Charged 5.770% APR Threshold 4.660% Over By +1.110%. HPML disclosure signed by the borrower is missing from the loan documents. The subject loan is escrowed.    
76341259 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) 1. Loan failed the GSE (Fannie Mae public guidelines) QM APR Test due to APR Charged 5.746% APR Threshold 5.410% Over by +0.336%. The Subject loan is escrowed.

2. Loan failed QM APR threshold test. APR Disclosed 5.746% on final CD, APR Calculated 5.410% Over by 0.336%. The Subject loan is escrowed.

3. Loan fails Qualified Mortgage Safe Harbor Threshold test APR Calculated 5.746% APR Threshold 5.410% Over By +0.3336%. The subject loan is escrowed.		    
76341259 xx xx xx ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * LE/CD Issue date test Fail (Lvl 3) This loan failed the revised closing disclosure delivery date test for closing disclosure dated xx/xx/2021. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2021 which is more than three business days after the consummation date xx/xx/2021.    
76341259 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows loan was not run through LP as a bond program, when we do, it flips to a caution.    
76341259 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
25946793 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Market condition addendum is missing from the loan documents.    
25946793 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
4121563 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan NOO. Seller tape shows income miscalculations and DTI may be over xx%.    
4121563 xx xx xx 0270b5a0-6846-4580-a03f-12f44a18d0d3 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 4: Unacceptable * Note is missing or unexecuted (Lvl 4) Note document is missing from the loan document and also lost of note affidavit is missing from the loan document. The loan has not been modified.    
38729601 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial CD is missing from loan documents.    
38729601 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows closed as FNMA DU, loan was sold to xx  with LPA caution feedback due to borr past delinquency. We did not have documenation to prove the derog was result of extenuating circumstances as a basis to determine borrs credit reputation was acceptable. Loan would not have been eligible for sale to xx until 02/2022.    
38729601 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID tolerance test is incomplete due to initial CD is missing from loan documents.    
38729601 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
38729601 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2020. Notary's signature date on the mortgage/deed of trust is xx/xx/2020. Note date is xx/xx/2020.    
56499604 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. Tape shows notes receivable income not guaranteed to continue. Unable to rely on documents in file and unable to calculate ATR.    
56499604 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
56499604 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $9,095.00. Exceeds fees threshold of $7,420.16. Over by +$1,674.84.  The below fees were included in the test: Mortgage Broker Fee (Indirect) $6,875.00 Points - Loan Discount Fee paid by Borrower: $2,220.00    
56499604 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) This loan failed the revised loan estimate delivery date test (prior to consummation) due to revised LE dated xx/xx/2020. . Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is on the initial CD delivery date xx/xx/2020.  Loan fails qualified mortgage lending policy points and fees test due to Fees charged $9,095.00. Exceeds fees threshold of $7,420.16. Over by +$1,674.84.  The below fees were included in the test: Mortgage Broker Fee (Indirect) $6,875.00 Points - Loan Discount Fee paid by Borrower: $2,220.00.    
71492551 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
71492551 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from the loan documents.    
71492551 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows FHA cannot be insured as it does not meet FHA 3 years seasoning requirements. The borrower must wait out the FHA`s minimum 3 years seasoning period.    
46678536 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Utah $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Failed GNMA seasoning requirement.  Borrower had modification which restarted the 210 day seasoning clock.    
46678536 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the veterans affairs IRRRL unpaid principal balance validation test. The loan is a VA interest rate reduction refinance loan (IRRRL), but the unpaid principal balance was not provided. The unpaid principal balance is necessary to correctly calculate the 1% of loan origination fee threshold for VA IRRRL loans.    
46678536 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
12981183 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller tape reflects income miscalculation may push DTI to over xx%. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
12981183 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan failed compliance ease delivery and timing test for initial LE dated xx/xx/2020 document tracker is missing and 3 business days were added to get receipt date xx/xx/2020. Which is not within 3 business days from initial application date xx/xx/2020.    
12981183 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID tolerance test is incomplete due to initial CD is missing from loan documents.    
12981183 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
12981183 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure is missing from the loan documents.    
10167295 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $3,068.94 and the loan was underwritten by AUS/LP (locator#xx) & its recommendation is “Accept” and DTI is showing in it as xx%.    
10167295 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
10167295 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 4: Unacceptable * Loan does not conform to program guidelines (Lvl 4) Tape shows BWR is on GSE exclusionary list and ineligible for financing.  Reasons not provided but elevated for client review.  PMI may be rescinded.    
52981665 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approved as secondary. Tape shows, Fannie has an overlay for second home condos in Florida limiting the LTV to xx% however this loan was closed at xx%. Elevated for client review.    
13833331 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is NOO. Tape shows borrower was not employed at time of closing.    
13833331 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Credit Active 4: Unacceptable * DSCR is less than 1.00 (Lvl 4) Net operating income is $28,124.76 and annual payments (Debt Service) is $30,814.68 and there debt service cover ratio (DSCR) is 0.91 which is less than 1.    
41967761 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application signed by loan originator is missing from the loan documents.    
41967761 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed TRID tolerance test charges that cannot increase 0% and charges that in total cannot increase more than 10% test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2021 and borrower hand signed on xx/xx/2021 which is more than 3 business days from initial application date xx/xx/2021.    
41967761 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows, there should be waiting period or gap between of 210 days first payment date of existing mortgage which is getting paid off and between closing of our new subject loans. In this loan the waiting period is not satisfied.    
41967761 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
41967761 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the Pennsylvania license validation test due to The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be
licensed, effective November 5th, 2008.
The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a
closing date before November 5th, 2008. Additionally, the Pennsylvania First Mortgage Banker License, Pennsylvania Secondary
Mortgage Loan License, Pennsylvania Unlicensed (Subordinate Lien), and Pennsylvania Exemption Letter are not available for
loans with a closing date on or after January 1st, 2009.		    
41967761 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final application hand signed by borrower is missing from the loan documents.    
64094423 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
64094423 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit disclosure is missing from the loan file.    
64094423 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflects Appraisal fee at $550.00. However, CD dated xx/xx/2021 reflects Appraisal fee at $700.00. This is an increase in fee of $150.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
64094423 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects Fannie does not believe that this is a warrantable condo which we believe is incorrect. They are contending the commercial space in the building exceeds the limit even though we have documentation showing the commercial space at less than xx%. The borrower on this loan has a 25 year job as a xx of xx has a 15 year job as a teacher. In addition the co-borrower’s mother is on the loan and has reserves in excess of $2,000,000. Review of appraisal shows notation that subject only has 1% commercial space and does not appear to be a condotel.    
420882 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Final CD reflects closing date as xx/xx/2021. Notary's signature date on the mortgage/deed of trust is xx/xx/2021.  Note date is xx/xx/2021.    
420882 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
420882 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 4: Unacceptable * ComplianceEase Risk Indicator is "Elevated" (Lvl 4) This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date (xx/xx/2021) is less than three business days before the consummation date (xx/xx/2021)    
82608924 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as NOO but loan was repurchased over BWR immigration status. Elevating for client review as BWR may not be legal in the states and NOO would pose additional risk.    
82608924 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape is showing an alert that the subject property is a NOO. JPM will not purchase this loan. Neither FHMA nor FHLMC allow C10 EAD status and there is no indication on the USCIS site that the borrower applied for any other residency status.    
98463892 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Nevada $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows defect as "The loan is not saleable due to being a condition xx per the appraisal.  xx finds a C5 ineligible however the file only contains a valid LPA, DU is a REFER.  FNMA will not accept LPA findings, FICO does not meet manual UW guides or FNMA."    
98463892 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Nevada $xx Valuation Doc Issue Active 4: Unacceptable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) Subject appraisal, tape and repurchase reason show appraisal as C5 (need for significant repairs). Appraisal does not describe material need for improvements which differs from C5 grade by subject appraiser. Pictures were not entirely clear to assess damage. Elevated for client review.    
98463892 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Final CD reflects closing date as xx/xx/2021. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2021. Note date is xx/xx/2021.    
71249649 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) CE risk indicator is "elevated" since the loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $4,351.54 and the loan was underwritten by AUS/DU (locator#xx) & its recommendation is “Approve/Eligible” and DTI is showing in it as xx%.    
71249649 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape is showing an alert that the subject loan is a C2P loan that has exceeded the timeframe from delivery to FNMA (Note date is xx/xx/2020) and the servicer is just finishing up the final draw and will still need to modify the loan.    
71249649 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Valuation Doc Issue Active 4: Unacceptable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) The subject loan is a construction to permanent. Provided copy of appraisal report in the loan file is '"subject to completion." However, the copy of appraisal 1004D update/completion report is missing from loan file. Provided final CD in the loan file is not showing any escrow holdback. Appraisal in file only shows pictures of land pre-construction. Elevated for client review.    
92092618 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Market condition addendum is missing from the loan documents.    
92092618 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
92092618 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows, the subject property is non salable because the loan was closed with an incorrect appraised value on AUS. However, LTV raises upto xx% and its recommendation is approve/ineligible.    
57467230 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape show AUS recommendation reflects caution.    
57467230 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $xx and total expenses are in the amount of $1,428.54 and the loan was underwritten by LP (locator# xx) and its recommendation is “Caution” with a DTI of xx%.    
57467230 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
67791442 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails complianceease delivery and timing test initial loan estimate dated xx/xx/2021. Document is electronically signed by borrower on xx/xx/2021 which is not within 3 business days from initial application date xx/xx/2021.    
67791442 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $1,922.25 and the loan was underwritten by LP (locator#xx) and its recommendation is Accept/Ineligible with a DTI of xx%.    
67791442 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan fails complianceease charges that cannot increase test and charges that cannot increase more than 10% due to loan failed initial loan estimate delivery and timing test.    
67791442 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller tape data, cash out determination error on AUS Lost PIW value w/post close appraisal >80 LTV ineligible for cash out refinance.    
78368402 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $6,262.13 and the loan was underwritten by DU (Buendia Higuera - Complete File.pdf pg#xx) and its recommendation is “Approve/Eligible” with xx%.    
78368402 xx xx xx 399d40af-a75c-4340-9c3c-97eadb98a8dc 561 561-3210 xx QM-TRID QC Complete Oregon $xx Credit Guidelines Active 2: Acceptable with Warnings * Cash out purchase (Lvl 2) The subject loan is purchase case. However Final CD dated xx/xx/2021 reflects cash to in the amount of $xx.    
78368402 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Oregon $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows $0 entitlement for VA guaranty.    
78368402 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the initial loan estimate delivery date test due to Initial Loan Estimate is dated xx/xx/2021 and electronically signed on xx/xx/2021 which is more than 3 business days from the application date xx/xx/2021.    
78368402 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test.  Loan estimate dated xx/xx/2021 does not reflect VA Funding Fee due to Initial LE dated xx/xx/2021 which is digitally received on xx/xx/2021 which is more than 3 business days from initial application date xx/xx/2021.    
78368402 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Oregon $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) VA Guaranty Certificate is missing from the loan documents.    
78368402 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit disclosure is missing from the loan file.    
85103821 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape is showing an alert that the subject loan is a non-saleable since it was closed over 2022 HB loan limits. The FICO score is 622 and the LTV is xx%.    
79704583 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Arkansas $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).		    
79704583 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arkansas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape is showing an alert that the GSE is not eligible since the appraisal is a C5.    
79704583 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Arkansas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $121.90 on final CD dated xx/xx/2021. There is a total fee increased of $121.90 for a non-shoppable fee which exceeded the 0% tolerance for non-shoppable fees.    
79704583 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Arkansas $xx Valuation Doc Issue Active 4: Unacceptable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) Subject appraisal is as is but tape and appraisal show condition as C5 needing substantial improvements. Review of appraisal shows interior in poor condition. Elevated for client review    
79704583 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arkansas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
79704583 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Arkansas $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer disclosure is missing from the loan file.    
69295128 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
69295128 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows PIW lost - SD only.    
69295128 xx xx xx fbdf2672-bb78-4d47-8239-175dbfaf8564 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Credit Credit Active 3: Curable * Final Application Incomplete (Lvl 3) Final loan application is incomplete. Lender loan information is missing from the loan documents.    
5773915 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE risk indicator is "moderate" due to following factors:

1. This loan failed the TRID total of payments test. The total of payments is $556,280.64. The disclosed total of payments of $533,416.80 is not considered accurate because it is understated by more than $100.

2. This loan failed the TRID rescission total of payments test. The total of payments is $556,280.64. The disclosed total of payments of $533,416.80 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater.

3. This loan failed the revised closing disclosure delivery date test (waiting period required). The revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date.		    
5773915 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) 1. This loan failed the TILA finance charge test. The finance charge is $216,159.89. The disclosed finance charge of $193,296.80 is not considered accurate because it is understated by more than $100.

2. This loan failed the TILA APR test. The annual percentage rate (APR) is 3.794%. The disclosed APR of 3.476% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.		    
5773915 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape is showing an alert that the subject loan has seasoning issue and the borrower owned the property less than a year." BWR purchased property xx/xx/20 for $xx. Subject loan current amount $xxK    
5773915 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
5773915 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer disclosure is missing from the loan file.    
5773915 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the lender credit that cannot decrease test. Missing a valid COC for a non-specific lender credit decreased in the amount of $5.46 on the PCCD dated xx/xx/2021.    
5773915 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) FHA MI certificate is missing from the loan file.    
75526401 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) FHA MI certificate is missing from the loan file.    
75526401 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape is showing an alert that the borrower is delinquent on his previous mortgage.    
75526401 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and the total expenses are in the amount of $3,712.71 and the loan was underwritten by AUS/DU (locator#xx) & its recommendation is “Approve/Eligible” and DTI is showing in it as xx%.    
75526401 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer disclosure is missing from the loan file.    
7200673 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
7200673 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $4,420.43 per AUS/DU (locator# xx) and its recommendation is “Approve/Eligible with xx%”.    
7200673 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows BWR has an undisclosed $494 Mazda debt that may push DTI to over xx%. Unable to rely on docs in file and unable to calc ATR.    
42001182 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer disclosure is missing from the loan file.    
42001182 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape is showing an alert that the 2nd trust deed does not meet HUD requirements. The base loan amount and secondary financing amount exceeded the "National mortgage" limits.    
42001182 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) FHA MI certificate is missing from the loan file.    
12756936 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed higher-priced mortgage loan test due to APR calculated 5.168% exceeds APR threshold of 4.410% over by +0.758%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
12756936 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed FHA QM safe harbor test threshold test due to APR calculated 5.168% exceeds APR threshold of 4.910% over by +0.258%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.

Loan failed qualified mortgage safe harbor threshold test due to APR calculated 4.824% exceeds APR threshold of 4.410% over by +0.414%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.		    
12756936 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Indiana $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the issue as the loan was closed on xx/xx/2021. At the time of closing the loan was FHA uninsurable and unsaleable because seller acquired the property on xx/xx/2021 which was less than 90 day's as per the HUD's property flipping guidelines. Hence the loan was ineligible for FHA insurance.    
12756936 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID tolerance test is incomplete due to initial closing disclosure is missing from the loan documents.    
12756936 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
12756936 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial closing disclosure is missing from the loan documents.    
48356292 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $4,168.48 per AUS/DU (locator#xx) and its recommendation is “Accept/Eligible with xx%”.    
48356292 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller tape shows income miscalculation may push DTI to over xx%. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
48356292 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/2021. LE dated 06/xx/21 reflects lender credit at $8,764.00; however, revised CD dated xx/xx/2021 reflects lender credit at $8,424.00. This is decrease of $340.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan document.    
48356292 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
82120740 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows 12 month seasoning not met to use appraised value, should have used prior purchase price per FHA guides, loan is currently paying MI    
82120740 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from loan documents.    
82120740 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $1,585.82 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
82120740 xx xx xx fbdf2672-bb78-4d47-8239-175dbfaf8564 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Credit Credit Active 3: Curable * Final Application Incomplete (Lvl 3) Final application is not hand-signed by the borrower.    
82120740 xx xx xx 84ee277f-4f68-46ad-a865-a4bd8b064014 561 561-3210 xx QM-TRID QC Complete New Hampshire $xx Valuation AUS Active 4: Unacceptable * Appraisal Value (Lvl 4) Subject last sold in non-arms length transaction on xx/xx/20 for $xxK. No improvements were found in appraisal and subject current purchase price xx/xx/21 in the amount of $xxK. Elevated for client review.    
37550786 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) This loan is FHA. Mortgage insurance certificate is missing from the loan file.    
37550786 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower's income is $xx and total expenses are in the amount of $1,579.00 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
37550786 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
37550786 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete Ohio $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Subject property has sold 4 times in last 2 years with no noted improvements per appraisal. Tape shows defect that property is a flip. Subject sold 10/xx (price unknown), 12/xx (price unknown), prior sale xx/xx ($xx) and current sale on 10/xx for $xx. Subject faces railroad tracks and industrial properties. Elevated for client review.    
44430069 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. Tape shows borrower’s SE income is not supported and recalculated income of $xx may push DTI to xx%. AUS is invalidated and loan is ineligible for manual underwriting. Unable to rely on docs in file and unable to calc ATR.    
44430069 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed Compliance Ease delivery and timing test for Initial Closing Disclosure dated xx/xx/2021. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2021 which is less than 3 business days from the consummation date xx/xx/2021.    
44430069 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflects Transfer taxes fee at $182.00. However, CD dated xx/xx/2021 reflects Transfer taxes fee at $210.00. This is an increase in fee of $28.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.

TRID Violation due to decrease in lender credit on Closing Disclosure dated xx/xx/2021. Initial LE dated xx/xx/2021 reflects lender credit at $1,911.00, however, Final CD dated reflects Lender Credit at $297.25. This is decrease of $1,613.75 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan document.		    
44430069 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
44430069 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Borrower's intent to proceed is missing in loan file.    
44430069 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $2,870.89 and the loan was underwritten by LP (locator#xx) and its recommendation is “Accept” with a DTI of 49.929%.    
68797110 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $5,592.11 per AUS/DU (locator# xx) and its recommendation is “Approve/Eligible with xx%”.    
68797110 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails QM points and fees test due to the fees charged to the borrower(s) exceed 3% the loan amount.  The note reflects a loan amount of $xx. Fees charged to borrower(s) equal $10,717.88 which exceeds 3% of the loan amount.    
68797110 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 4: Unacceptable * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) Subject approved at xx%. Per tape, BWR1 was not employed at closing so using only BWR2 income may push DTI to over xx%. Unable to rely on docs in file and unable to calc ATR.    
69029129 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/2021. Initial CD dated xx/xx/2021 reflects lender credit at $475.00; however, revised CD dated xx/xx/2021 reflects lender credit at $0.00. This is decrease of $475.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan document.    
69029129 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock agreement signed by borrower is missing from loan documents.    
69029129 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $5,336.31 per AUS/DU (locator# xx) and its recommendation is “Approve/Eligible with xx%”.    
69029129 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows BWR has new debt (from Fin Part CU) that was not included in DTI, may push DTI to over xx%. Unable to rely on docs in file and unable to calc ATR.    
69029129 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails QM points and fees test due to the fees charged to the borrower(s) exceed 3% the loan amount.  The note reflects a loan amount of $xx. Fees charged to borrower(s) equal $14,545.40 which exceeds 3% of the loan amount.    
69029129 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Borrower's intent to proceed is missing from the loan documents.    
12722020 xx xx xx b6f9224b-e74e-4cf1-a738-238dffa5df75 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Other Disclosures Active 3: Curable * VA Disclosures (Lvl 3) VA Loan Guaranty and VA loan analysis is missing from the loan documents.

Final IRRRL comparison certificate signed by borrower is missing.		    
12722020 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Closing disclosure dated xx/xx/2020 does not reflect a signature and the document tracking disclosure was not located.  Three day mail method for delivery and receipt was used and loan is failing for timing of this TRID.  Document tracker is required to ensure timing and clear timing fail.    
12722020 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
12722020 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow disclosure/escrow waiver is missing from the loan documents.    
52650048 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
52650048 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete Indiana $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Subject is a rural home with separate buildings that appear to be used for business purposes. Tape and appraisal note the mixed use of the property and value adjustments appear overstated. Elevated for client review.    
2568790 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $1,809.26 and the loan was underwritten by (LP xx and its recommendation is “Accept” with a DTI of xx%.    
2568790 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Oregon $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows, unable to obtain LP approval and Post Close received LQA hit for DTI. Credit expired and time between most recent LP run and post close run was 60 days, credit disassociated from LP and credco will not re-associate credit. New credit report obtained indicating recent mortgage late on borrowers 2nd home. Unable to obtain the required LP approval w/ PIW.    
2568790 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan Fails GSE (Fannie Mae public guidelines) QM Points and Fees Test due to Fees charged $5,540.00 Fees threshold $4,313.74 Over By +$1,226.26.  The below fees were included in the test:  Loan Origination Fee paid by Borrower: $1,595.00 Points - Loan Discount Fee paid by Borrower: $3,945.00    
2568790 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Oregon $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) PIW is missing from the loan documents.    
2568790 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan Fails Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $5,540.00 Fees threshold $4,313.74 Over By +$1,226.26  The below fees were included in the test:  Loan Origination Fee paid by Borrower: $1,595.00 Points - Loan Discount Fee paid by Borrower: $3,945.00    
2568790 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
37267595 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $4,487.48 and the loan was underwritten by LP (locator# xx) and its recommendation is “Accept” with a DTI of xx%.    
37267595 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails qualified mortgage lending policy points and fees test due to fees charged $4,998.00 exceeds fees threshold of $4,577.60 over by +$420.40.
The below fees were included in the test:

Loan Origination Fee paid by Borrower: $1,595.00
Points - Loan Discount Fee paid by Borrower: $3,403.00		    
37267595 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
37267595 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Final transmittal summary is missing from the loan documents.    
37267595 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan amount increased w/o AUS updated. When updated PIW was lost, appraised value is lower than initial estimate which exceeds LTV xx% max allowed for cash out refinance.    
37267595 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $4,998.00 exceeds fees threshold of $4,577.60 over by +$420.40.
The below fees were included in the test:
Loan Origination Fee paid by Borrower: $1,595.00
Points - Loan Discount Fee paid by Borrower: $3,403.00		    
17248071 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed charges that cannot increase more than 10% tolerance test. LE dated xx/xx/2020 reflects the recording fee at $1,350.00. However, CD dated xx/xx/2020 reflects the recording fee at $1,780.00. This is an increase of $430.00 for charges that in total cannot increase more than 10% test.    
17248071 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% the borrower’s income is $xx and total expenses are in the amount of $5,899.32 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
17248071 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows loan disbursed after appraisal expired.    
17248071 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from loan documents.    
17248071 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase test. LE dated xx/xx/2020 reflects transfer taxes at $4,420.00. However, CD dated xx/xx/2020 reflects the transfer taxes at $4,497.20. This is an increase of $77.20 for charges that in total cannot increase.    
93941224 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
93941224 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is  $xx and total expenses are in the amount of $1,957.25 and the loan was underwritten by DU (locator#xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
93941224 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan Fails Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $7,406.00 Fees threshold $5,740.63 Over By +$1,665.37

The below fees were included in the test:

Mortgage Broker Fee (Indirect) $3,430.00
Points - Loan Discount Fee paid by Borrower: $3,081.00
Underwriting Fee paid by Borrower: $895.00		    
93941224 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $7,406.12 exceeds fees threshold of $5,740.63 Over by +$1,665.49.
The below fees were included in the test:

Mortgage Broker Fee (Indirect) $3,430.00
Points - Loan Discount Fee paid by Borrower: $3,081.12
Underwriting Fee paid by Borrower: $895.00		    
93941224 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows appraised documentation is missing and SSR/XML not provided. However, appraisal dated xx/xx/2021 for subject property is located at "xx". No further details have been found.    
93941224 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) Compliance TRID tolerance test is incomplete due to initial closing disclosure is missing from the loan document.    
10098618 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower's income is $xx and total expenses are in the amount of $3,664.64 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
10098618 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed ComplianceEase delivery and timing test due to Closing Disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is on the Consummation date xx/xx/2020.    
10098618 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
10098618 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) 1. Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 reflects Credit Report Fee at $60.00. However, CD dated xx/xx/2020 reflects Credit Report Fee at $106.00. This is an increase in fee of $46.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.

2. Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2020 reflects Recording fee at $156.00. However, CD dated xx/xx/2020 reflects Recording fee at $176.00. This is a cumulative increase of $4.40 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.		    
10098618 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $12,429.22 exceeds Fees threshold of $12,392.56 over by +$36.66.
The below fees were included in the test:
Mortgage Broker Fee (Indirect) $11,409.75
Points - Loan Discount Fee paid by Borrower: $124.47
Underwriting Fee paid by Borrower: $895.00		    
10098618 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to Fees charged $12,429.22 exceeds Fees threshold of $12,392.56 Over by +$36.66.
The below fees were included in the test:
Mortgage Broker Fee (Indirect) $11,409.75
Points - Loan Discount Fee paid by Borrower: $124.47
Underwriting Fee paid by Borrower: $895.00		    
10098618 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 4: Unacceptable * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) Subject approved at xx%. Tape shows Capital One Bank statements were altered and income discrepancies based on the different number of jobs showing in the file. Unable to rely on documents in file & unable to calculate ATR."    
50954612 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
  
Higher-Priced Mortgage Loan Test: FAIL      Charged: 4.694%      Allowed: 4.440%     Over by: +0.254%		    
50954612 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (4.694%) is exceeded APOR (4.440%) by 0.254%. The APR threshold is 4.440% and the subject loan is escrowed one.

Qualified Mortgage Safe Harbor Threshold: FAIL     Charged: 4.694%    Allowed: 4.440%    Over by: +0.254%		    
50954612 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
50954612 xx xx xx d0c75b4b-dd5d-4d51-9418-7119e7ab6397 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * TRID Violations (Lvl 3) Closing disclosure dated xx/xx/2020 does not reflect a signature and the document tracking disclosure was not located.  Three day mail method for delivery and receipt was used and loan is failing for timing of this TRID.  Document tracker is required to ensure timing and clear timing fail.    
15521378 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete Illinois $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Seller tape shows the subject condominium project did not meet the eligibility requirements. As per condominium questionnaire in file, xx% of the units were 60 days of more past due on common expense assessments.    
15521378 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TRID total of payments test. The total of payments is $xx. The disclosed total of payments of $340,533.11 is not considered accurate because it is understated by more than $100. Subject loan is a purchase, originated on xx/xx/2019 and the SOL is 1 year.    
15521378 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock provided expired on xx/xx/2019 and the loan closed on xx/xx/2019. No lock extension found.    
15521378 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2019 reflects Appraisal Fee at $125.00. However, CD dated xx/xx/2019 reflects Appraisal Fee at $600.00. This is an increase in fee of $125.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
11512216 xx xx xx 5cb32bc6-6817-40b3-bf5e-122771c92d82 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Credit Active 3: Curable * Required Documentation Missing or Incomplete  (Lvl 3) The subject NOO property tape defect shows CEMA docs are not recorded and not original docs, only certified true originals. Elevated for client review and reaching out to PT for impact. UT shows CEMA recorded.    
44365044 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $191,019.16 Calculated Finance Charge is $192,619.16 for an under disclosed amount of $1,600.00. Reason for Finance Charge under disclosure is unknown as the Fee Itemization and the Compliance Findings are missing. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
44365044 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * ComplianceEase State Regulations Test Failed (Lvl 3) This loan failed the prohibited fees test. Fees charged $215.00 Fees Threshold $0.00 over by $215.00.

The Below fees were included in the test:
Title CPL paid by Borrower: $75.00
Title Escrow Account Servicing Fee paid by Borrower: $75.00
Title Flood Hazard Certificate paid by Borrower: $25.00
Title Transaction Management paid by Borrower: $40.00		    
44365044 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
44365044 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 4: Unacceptable * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) Subject approved at xx%. Tapes shows BWR did not disclose car loan making AUS invalid and pushing DTI over xx%. Unable to rely on docs in file and unable to calc ATR.    
28849806 xx xx xx 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit LTV Active 4: Unacceptable * LTV or CLTV exceeds 104% (Lvl 4) Collateral value used for underwriting: $xx. Loan amount: $xx. CLTV/LTV xx%. Tape shows CLTV error as defect. Elevated for client review.    
28849806 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $2,707.83 and the loan was underwritten by LP (locator# xx) and its recommendation is Accept/Eligible for a DTI of xx%.    
28849806 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
6594122 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arkansas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
66098126 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is  $xx and total expenses are in the amount of $2,504.09 and the loan was underwritten by LP (locator# xx and its recommendation is “Accept” with a DTI of xx%.    
66098126 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows only used 2020 SE income to qualify and when using 2 years, 2019 and 2020, DTI pushes to xx%. Unable to rely on documents in file and unable to calculate ATR.    
66098126 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
10008826 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed ComplianceEase delivery and timing test for Closing Disclosure dated xx/xx/2021. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2021 which is after the Consummation date xx/xx/2021.    
10008826 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
10008826 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflects Points - Loan Discount Fee at $4,199.00. However, CD dated xx/xx/2021 reflects Points - Loan Discount Fee at $4,831.15. This is an increase in fee of +$632.15 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.

Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflects Transfer Taxes at $957.00. However, CD dated xx/xx/2021 reflects Transfer Taxes at $971.23. This is an increase in fee of +$14.23 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.		    
10008826 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Subject loan closed without an Appraisal. However, PIW disclosure signed by the borrower is missing from the loan documents.    
10008826 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $2,845.09 and the loan was underwritten by LP (locator# xx) and its recommendation is “Ineligible” with a DTI of xx%.    
68136422 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the Borrower's income is $xx and total expenses are in the amount of $7,346.98 and the loan was underwritten by DU (locator# xx) and its recommendation is “Accept/Eligible” with a DTI of xx%.    
68136422 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 4: Unacceptable * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) Subject approve/eligible at xx%. Tape shows SE income docs missing. Unable to rely on docs in file and unable to calc ATR.    
68136422 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $7,520.00 Exceeds Fees threshold of $6,380.82 Over by +$1,139.18. The below fees were included in the test:
Commitment Fee paid by Borrower: $1,595.00
Points - Loan Discount Fee paid by Borrower: $5,925.00.		    
68136422 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $7,520.00 Exceeds Fees threshold of $6,380.82 Over by +$1,139.18. The below fees were included in the test:
Commitment Fee paid by Borrower: $1,595.00
Points - Loan Discount Fee paid by Borrower: $5,925.00.		    
37433296 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows income not supported and DTI may be xx%. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
39835415 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) The subject loan was approved at the DTI of xx%. Provided seller’s tape shows the borrower's rental income is not supported, which may push DTI to xx%. Further details are not provided to confirm the same. Unable to rely on the documents in the loan file and unable to calculate ATR.    
39835415 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and the total expenses are in the amount of $2,279.17 and the loan was underwritten by AUS/DU (locator#xx) & its recommendation is “Approve/Ineligible” and DTI is showing in it as xx%.    
45908090 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller tape shows self-employment income is not documented. Unable to rely on docs in file and unable to calc ATR.    
45908090 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on final CD as $180,942.92. Calculated finance charge is $182,229.59 for an under disclosed amount of $1,286.67.  Reason for finance charge under disclosure is unknown. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
45908090 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit/acknowledgment/disclosure tracking is missing from the loan documents.    
45908090 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Appraisal report available in the loan file is completed on 2055 however as per AUS/DU reflects appraisal based on an interior and exterior property inspection on form 1004 is required.    
45908090 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Missing valid COC for a fee increase on CD dated xx/xx/2021.  LE dated xx/xx/2021 reflects points - loan discount fee of $1,034.00, however, CD dated xx/xx/2021 reflects points - loan discount fee of $1,358.39. This is a fee increase of $324.39 for a non-shoppable fee which exceeds the 0% tolerance for non-shoppable fees.    
45908090 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the TRID total of payments test. The total of payments is $xx. The disclosed total of payments of $533,381.67 is not considered accurate because it is
understated by more than $100.		    
45908090 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
45908090 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 4: Unacceptable * ComplianceEase Exceptions Test Failed (Lvl 4) This loan failed the revised loan estimate delivery date test due to the revised loan estimate delivery date xx/xx/2021 is same as the initial closing disclosure delivery date xx/xx/2021.    
43986155 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) Net operating income is $xx and annual payment (Debt Service) is $11,562.00 and their debt service cover ratio (DSCR) is 0.97 which is less than 1.    
43986155 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approve/eligible at xx%. Tape shows undisclosed debt with NFCU mortgage payment is not included in DTI. DTI may push up to xx%. Unable to rely on docs in file and unable to calc ATR. Subject property is NOO.    
25225980 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) VA guaranty certificate is missing from the loan documents.    
25225980 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails loan origination fee Test due to fees charged $9,693.85 fees threshold $9,549.84 over by +$144.01.
The below fees were included in the test:
Closing Protection Letter paid by Borrower: $25.00
Loan Origination Fee paid by Borrower: $8,999.96
Settlement or Closing Fee paid by Borrower: $575.00
Tax Service Fee paid by Borrower: $93.89		    
25225980 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows VA/GNMA seasoning not met. No further details are available.    
25225980 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial closing disclosure is missing from the loan documents.    
25225980 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
25225980 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID tolerance test is incomplete due to initial CD is missing from loan documents.    
12228480 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) VA loan guaranty certificate is missing in the loan file.    
12228480 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows in VA IRRRL streamline refinance loans, there should waiting period or gap between of 210 days first payment date of existing mortgage which is getting paid off and between closing of our new subject loans. In this loan the waiting period is not satisfied.    
12228480 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
12228480 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) The loan fails loan origination fee test due to fee charged $6,693.89. fee threshold $5,936.66. over by+$757.23.
Below fees were included in the loan origination fee test :
Mortgage Broker Fee paid by Borrower: $6,000.00
Notary Fee paid by Borrower: $50.00
Settlement or Closing Fee paid by Borrower: $550.00
Tax Service Fee paid by Borrower: $93.89.		    
37168034 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from the loan documents.    
37168034 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows loan is uninsurable. AUS re-scored as refer, manual underwriting is required and ZFHA is invalid.    
87457306 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $3,002.06 and the loan was underwritten by DU (locator#xx and its recommendation is “Approve/Eligible” with a DTI of xx%.    
87457306 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Refinancing as FHA is not an option without minimum seasoning of at least 6 months and principal reduction. Tape shows uninsured FHA insurance application unsuccessful cause of data entry error. Mortgage amount without UFMI cannot exceed $xxfor value $xx RE LTV loan paid off initially closed 2/xx and case was assigned 2/xx prior to the 12 month seasoning to use current value. We should have used $xx purchase price from original purchase due to less than 12 months old.    
87457306 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) Mortgage insurance is missing from the loan documents.    
79477692 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan documents.    
79477692 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) Mortgage insurance certificate is missing from loan documents.    
79477692 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income was $xx and total expenses are in the amount of $1952.20 and the loan was underwritten by LP (locator#xx) and its recommendation is “Accept” with a DTI of xx%.    
79477692 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows AUS when re-ran reflects recommendation as “Refer” and manual underwriting needs to be done on the loan. AUS in file reflects risk class as “Accept” with DTI of xx%.    
69197616 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) This loan is an FHA. MI certificate is missing from the loan documents.    
69197616 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard insurance policy is missing from the loan documents.    
69197616 xx xx xx 199ed034-40ba-4073-9bb5-17d9a97bf057 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Loan program disclosure missing or unexecuted (Lvl 3) Seller tape shows seller and lender credits exceed max and corrupted the minimum required investment needed from the borrower. Final closing disclosure reflect IPC is xx% which is within guideline also AUS reflects required funds are $1,638.00 and available funds are $2,637.00.    
69197616 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Finance charge disclosed on Final CD as $93,891.96. Calculated Finance Charge is $94,966.19 for an under disclosed amount of $1,074.23.  Reason for Finance Charge under disclosure is unknown.    
69197616 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the TRID total of payments test. The total of payments is $xx. The disclosed total of payments of $222,454.52 is not considered accurate because it is understated by more than $100.    
69197616 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $2,278.00 per AUS/DU (locator#xx) and its recommendation is “Approve/Eligible with xx%”.    
69197616 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $93,891.96. Calculated finance charge is $94,966.19 for an under disclosed amount of $1,074.23.  Reason for finance charge under disclosure is unknown. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
95857996 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) This loan is an FHA. MI certificate is missing from the loan file.    
95857996 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and the total expenses are in the amount of $1,607.79 and the loan was underwritten by AUS/LP (locator#xx) & its recommendation is “Accept” and DTI is showing in it as xx%.    
95857996 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape is showing an alert that the total case rescored as "Refer" but such AUS is missing from the loan file. A manual underwriting is required to the loan.    
95857996 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Settlement services providers list (SSPL) disclosure is missing from the loan file.    
98999757 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is  $xx and total expenses are in the amount of $1,911.15 and the loan was underwritten by DU (locator  xx) and its recommendation is “Refer/Ineligible” with a DTI of xx%.    
98999757 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Indiana $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows that ZFHA status is invalid and manual underwriting is not allowed. DU is refer using the acquisition price for LTV Calculation.    
98999757 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Indiana $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI cert is missing from the loan file.    
98999757 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Servicing transfer disclosure is missing from the loan file.    
91775311 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) FHA MI certificate is missing from the loan documents.    
91775311 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the issue as the loan was closed as FHA uninsured due to incorrect property address. However, operation was unsuccessful while obtaining the closing documents with correct address because the borrower has been unresponsive.    
21389583 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application is missing from the loan documents.    
21389583 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan is VA refinance. Seller tape shows seasoning fail. No further details are provided.    
21389583 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) The affiliated business disclosure is missing from the loan documents.    
21389583 xx xx xx fbdf2672-bb78-4d47-8239-175dbfaf8564 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * Final Application Incomplete (Lvl 3) Lender loan information addendum of final application is missing from the loan documents.    
21389583 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing in loan file.    
21389583 xx xx xx 0270b5a0-6846-4580-a03f-12f44a18d0d3 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 4: Unacceptable * Note is missing or unexecuted (Lvl 4) "The original note is missing from the loan file along with lost note affidavit. Loan has never been modified since origination.    
21389583 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership counseling disclosure is missing from loan documents.    
83282662 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Per tape, self-employed income calculated incorrectly. DTI may be over xx%. Unable to rely on docs in file and unable to calc ATR.    
83282662 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
67081446 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Final transmittal summary is missing from the loan documents    
67081446 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Valid hazard insurance policy is missing from the loan documents.    
67081446 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Per tape, seller defect shows undisclosed debt at closing DTI may push xx%. Further details not provided. Unable to rely on documents in file and unable to calculate ATR.    
67081446 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $xx and total expenses are in the amount of $1,649.08 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
83135554 xx xx xx 64b4e88c-ac9f-44af-bd44-81df53d25df8 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Compliance Compliance Active 3: Curable * Closing_Disclosure violations (Lvl 3) Final CD is not hand signed by the borrower.    
83135554 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
83135554 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per tape, seasoning fail. No further details have been found.    
83135554 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Compliance Doc Issue Active 3: Curable * ROR not hand dated by borrower(s) (Lvl 3) ROR is not hand signed by the borrower.    
60332845 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $2,943.03 and the loan was underwritten by AUS/DU (locator#xx) and its recommendation is Approve/Eligible with a DTI of xx%.    
60332845 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows APM 19-05 seasoning fail. Prior sale closed xx/xx/2019 for $0.00K. Subject closed xx/xx/2019 for $560,000.00. No noticeable improvements noted in appraisal. Elevated for client review    
72409192 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan program disclosure is missing from the loan file.    
72409192 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file.    
72409192 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete California $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An appraisal report at origination is missing from the loan file.    
72409192 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
72409192 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan documents.    
72409192 xx xx xx a0d5a3be-496f-41d6-a958-ce4e3ccae8fe 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value from available loan file.    
72409192 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in the California state. The following state disclosures are missing in the loan file; 1.Impound Account Disclosure 2.Cosigner Notice 3.Private Mortgage Insurance Disclosure 4.Hazard Insurance Disclosure 5.Insurer Recommendation Disclosure 6.CA Fair Lending Notice 7.Anti-Tying Disclosure 8.Privacy Notice 9.Notice of Right to Copy of Appraisal 10.Application for Credit-Married Persons 11.Fair Debt Collection Notice 12.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application    
72409192 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan file.    
72409192 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with Estimated HUD-1 and Itemization are missing from the loan file.    
35255026 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan document.    
35255026 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete New York $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An appraisal report at origination is missing from the loan file.    
35255026 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from the loan documents.    
35255026 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan documents.    
35255026 xx xx xx d4754c69-175b-4016-ad01-2af377fb480c 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing HELOC Disclosures (RESPA) (Lvl 3) HELOC disclosure is missing from the loan file.    
35255026 xx xx xx a0d5a3be-496f-41d6-a958-ce4e3ccae8fe 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value from available loan document.    
35255026 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
35255026 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in the New York state. The following state disclosures are missing in the loan file;
1. NY Consumer Credit Disclosure / Fair Credit Reporting Notice
2. NY Interest Rate Disclosure
3. NY Hazard Insurance  Disclosure
4. Tax Escrow Account Designation
5. Mortgage Bankers and Exempt Organizations Preapplication
6. Part 80 Disclosure
7. Co-Signer Notice Requirements
8. Default Warning Notice
9. New York Real Property Escrow Account Disclosure
10. Commitment Disclosure
11.Lock-in Disclosure
12.Expiration of Lock-in or Commitment Period		    
35255026 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 application is missing from the loan documents.    
77555135 xx xx xx 4d49e7c2-072a-4662-b43c-70f11fbadac5 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Other Disclosures Active 2: Acceptable with Warnings * Loan officer signature missing on final HUD/VA Addendum to Uniform Residential Loan Application. Please provide a copy to satisfy this condition. (Lvl 2) VA case number given on the final HUD/VA addendum does not match with the case number given on VA case assignment.    
77555135 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows GNMA refinance seasoning issue. Unable to rely on documents in file. Elevated for client review.    
77555135 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Right of Rescission missing or unexecuted (Lvl 3) Right of rescission signed by borrower is missing from the loan documents.    
77555135 xx xx xx b6f9224b-e74e-4cf1-a738-238dffa5df75 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Other Disclosures Active 3: Curable * VA Disclosures (Lvl 3) VA loan analysis is missing from the loan documents.    
77555135 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) List of service providers is missing from the loan documents.    
77555135 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
51931763 xx xx xx 5cb32bc6-6817-40b3-bf5e-122771c92d82 561 561-3210 xx QM-TRID QC Complete Arkansas $xx Credit Credit Active 3: Curable * Required Documentation Missing or Incomplete  (Lvl 3) Unable to calculate DSCR due to form 1007 & form 216 are missing from the appraisal report.    
51931763 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Arkansas $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) 1004mc form is missing from the appraisal report.    
51931763 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arkansas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
51931763 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arkansas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is NOO. Tape shows undisclosed debt may push DTI higher. Further details not available.    
11042282 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is NOO. Tape shows undisclosed debt may push DTI higher. Further details not available.    
11042282 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
11042282 xx xx xx 5cb32bc6-6817-40b3-bf5e-122771c92d82 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Credit Active 3: Curable * Required Documentation Missing or Incomplete  (Lvl 3) Unable to calculate DSCR due to form 1007 & form 216 are missing from the appraisal report.    
11042282 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) 1004mc form is missing from the appraisal report.    
87683599 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing Required State Disclosures (Lvl 3) Settlement services providers list (SSPL) disclosure is missing from the loan file.    
87683599 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
87683599 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 4: Unacceptable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) Provided seller’s tape is showing an alert that the subject loan is a Texas cash-out and it was closed by using a PIW (locator#xx). A Texas FMV disclosure is missing from the loan file.    
87997555 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Settlement services providers list (SSPL) disclosure is missing from the loan file.    
87997555 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) The subject property is a NOO. The subject loan was approved at the DTI of xx%. Provided seller’s tape is showing an alert that the borrower's income was calculated incorrectly.    
61082420 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows the subject loan is ineligible to sell since the disclosed finance charges are inaccurate. Subject is NOO. No further details regarding finance charge inaccuracy available.    
61082420 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the lender credit that cannot decrease test. Missing a valid COC for a non-specific lender credit decreased in the amount of $93.00 on the final CD dated xx/xx/2021.    
61082420 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the lender credit that cannot decrease test. Missing a valid COC for a non-specific lender credit decreased in the amount of $93.00 on the final CD dated xx/xx/2021.    
61082420 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Settlement services providers list (SSPL) disclosure is missing from the loan file.    
61082420 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
68994598 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arkansas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approved at xx%. Seller tape shows, DU findings are not available. Investor would not accept LP. We have post close LP with A/E recommendation. However, DU is not available in the loan file.    
68994598 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arkansas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
36960407 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $211,718.50. Calculated Finance Charge is $211,903.76 for an under disclosed amount of $185.26.  Reason for Finance Charge under disclosure is unknown. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
36960407 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 4: Unacceptable * Missing Appraisal (Lvl 4) Tape shows subject loan closed with a PIW even though DU did not have the PIW eligibility. FMV disclosure not in file.    
36960407 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
75839511 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Settlement services provider list is missing from the loan documents.    
75839511 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 4: Unacceptable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) Seller tape shows, loan closed PIW and PIW not permitted on TX 50(a)(6). Appraisal dated before note date is not available in the loan file. TX FMV disclosure is also missing from the loan document.    
75839511 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents    
75839511 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final application is missing from the loan documents.    
12682928 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Arizona $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan documents.    
12682928 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $5,001.92 Exceeds Fees threshold of $4,587.94 Over by +$413.98.

The below fees were included in the test:

Mortgage Broker Fee (Indirect) $4,235.00
Points - Loan Discount Fee paid by Borrower: $766.92		    
12682928 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $5,001.92 Exceeds Fees threshold of $4,587.94 Over by +$413.98.
The below fees were included in the test:
Mortgage Broker Fee (Indirect) $4,235.00
Points - Loan Discount Fee paid by Borrower: $766.92		    
12682928 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflects points - loan discount Fee at $315.00. However, CD dated xx/xx/2021 reflects points - loan discount fee at $766.92.This is an increase in fee of +$451.92 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
12682928 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is  $xx and total expenses are in the amount of $1,374.62 and the loan was underwritten by DU (locator xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
12682928 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows income miscalculation may push DTI to xx%. No further details available. Unable to rely docs in file and unable to calc ATR.    
12682928 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure is missing from the loan documents.    
12682928 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
26769157 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * ComplianceEase State Regulations Test Failed (Lvl 3) Loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. The below fees were included in the test:  2nd Half 202 Sewer paid by Borrower: $195.00 Title Closing Protection Letter paid by Borrower: $75.00    
26769157 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows defect as "The LTV of xx% is ineligible with Freddie. The prior loan was owned by xx, so they will not accept the higher LTV."    
83542839 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approved as NOO. Tape shows xx statements are missing from the loan file but 1008 shows positive DSCR.    
57360281 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 6.654% exceeds APR threshold of 4.330% over By +2.324%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.


Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 6.575% exceeds APR threshold of 4.330% over by +2.245%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.		    
57360281 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
57360281 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $10,112.50 exceeds fees threshold of $9,858.78 over by +$253.72.
The below fees were included in the test:
Mortgage Broker Fee (Indirect) $8,302.50
Points - Loan Discount Fee paid by Borrower: $415.00
Underwriting Fee paid by Borrower: $1,395.00


Loan fails GSE (Fannie Mae public guidelines) QM APR threshold test due to APR calculated 6.575% exceeds APR threshold of 5.080% over by +1.495%.		    
57360281 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan failed Qualified Mortgage Lending Policy Points and Fees Test due to fees charged: $10,112.50 fees threshold: $9,858.78 over by +$253.72.
The following fees were included in the test:
Mortgage Broker Fee (Indirect) $8,302.50
Points - Loan Discount Fee paid by Borrower: $415.00
Underwriting Fee paid by Borrower: $1,395.00


Loan failed Qualified Mortgage APR threshold test due to APR calculated 6.575% exceeds APR threshold of 5.080% over by +1.495%.		    
57360281 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete Arizona $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Subject repurchased over apparent flip and not having 2 appraisals. Subject prior sale xx/xx21 for $xxK. Subject purchase xx/xx/21 for $xxK with no material renovations noted. Elevated for client review.    
9197034 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is NOO. Seller tape shows, borrower became unemployed at the time of origination.    
9197034 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) PIW disclosure signed by the borrower is missing from the loan documents.    
61757015 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and the total expenses are in the amount of $2,253.78 and the loan was underwritten by AUS/DU (locator#xx) & its recommendation is “Approve/Eligible” and DTI is showing in it as  xx%.    
61757015 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. The finance charge is $124,309.74. The disclosed finance charge of $123,876.88 is not considered accurate because it is understated by more than $100. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.    
61757015 xx xx xx d37b6b0d-52a6-40cb-8ba6-8980e85842cd 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The transaction date of the loan is mentioned in the ROR as xx/xx/2021 but the original note date is xx/xx/2021.    
61757015 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows DTI in excess of GSE guidelines and DTI of xx. Further details not provided on tape DTI of xx%. Elevated for client review as we are unable to rely on docs in file and unable to calc ATR.    
61757015 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE risk indicator is "moderate" since this loan failed the revised closing disclosure delivery date test (no waiting period required). The revised closing disclosure receipt date is provided (xx/xx/2021) and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date (xx/xx/2021).    
50584835 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 2: Acceptable with Warnings * Loan does not conform to program guidelines (Lvl 2) The subject property is a NOO. Provided seller’s tape shows the DTI exceeds GSE eligibility rules.    
97116874 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID tolerance test is incomplete due to Initial closing disclosure is missing from loan documents.    
97116874 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
97116874 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial closing disclosure is missing from the loan documents.    
97116874 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from loan documents.    
58712286 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 9.344% exceeds APR threshold of 5.320% over By +4.024%. Subject loan is escrowed.    
58712286 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $4,362.89 Exceeds Fees threshold of $3,484.70 Over by +$878.19.

The below fees were included in the test:
Mortgage Broker Fee (Indirect) $2,741.00
Points - Loan Discount Fee paid by Borrower: $1,621.89

Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $4.362.89 Exceeds Fees threshold of $3,484.70 Over by +$878.19.

The below fees were included in the test:

Mortgage Broker Fee (Indirect) $2,741.00
Points - Loan Discount Fee paid by Borrower: $1,621.89		    
58712286 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 9.344% exceeds APR threshold of 5.320% over by +4.024%. Subject loan is escrowed.    
34976668 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 7.722% exceeds APR threshold of 5.700% over by +2.022%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
34976668 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed higher-priced mortgage loan test due to APR calculated 7.722% exceeds APR threshold of 6.700% over by +1.022%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
34976668 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2018 reflects loan origination fee at $6,685.00. However, final CD dated xx/xx/2018 reflects loan origination fee at $12,123.13. This is an increase in fee of $5,438.13 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
34976668 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliate business disclosure is missing from the loan documents.    
34976668 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
34976668 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Utah $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS/DU report is missing from the loan documents.    
93708249 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 7.373% exceeds APR threshold of 5.670% over by +1.703%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
93708249 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed higher-priced mortgage loan test due to APR calculated 7.373% exceeds APR threshold of 6.670% over by +0.703%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
34104954 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) This loan failed the HPML loan type test due to the loan is a HOEPA "higher-priced mortgage loan" (HPML) that is not eligible for purchase by Freddie Mac because it is not one of the allowed loan types. In July 2008, the board of governors of the federal reserve system issued a final rule amending Regulation Z, which implements the truth in lending act. The rule includes consumer protections that apply to a new category of "higher-priced mortgage loans." Regulation Z defines an HPML as a mortgage secured by the borrower's principal residence with an annual percentage rate (APR) that (for a first-lien loan) is at least 1.5% higher than the average prime offer rate (APOR) for a comparable transaction as of the date the rate was set. Freddie Mac will purchase HPMLs subject to certain eligibility requirements. Effective for applications dated on or after October 1, 2009, HPMLs sold to Freddie Mac must be one of the following Mortgage Products: Fixed-rate mortgages; 7/1 or 10/1 ARMs, or 7/6-month or 10/6-month ARMs.HPMLs sold to Freddie Mac must not be ARMS with an initial period or interest only period less than 7 years.

Loan failed Higher-Priced mortgage loan test due to APR calculated 9.005% exceeds APR threshold of 6.310% over by +2.695%. Subject loan is escrowed.		    
34104954 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $7,632.50 fees threshold $5,132.19 over by +$2,500.31
The below fees were included in the test:
Points - Loan Discount Fee paid by Borrower: $6,282.50
Processing Fee paid by Borrower: $495.00
Underwriting Fee paid by Borrower: $855.00		    
34104954 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 3: Curable * Loan program disclosure missing or unexecuted (Lvl 3) Loan program disclosure is missing from the loan documents.    
34104954 xx xx xx 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Compliance Testing (Lvl 2) Loan failed qualified mortgage safe harbor threshold test due to APR calculated 9.005% exceeds APR threshold of 6.310% over by +2.695%. Subject loan is escrowed.

Loan failed CA AB 260 Higher-Priced mortgage loan test due to APR calculated 9.005% exceeds APR threshold of 6.310% over by +2.695%. Subject loan is escrowed.		    
34104954 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan fails qualified mortgage lending policy points and fees test due to fees charged $7,632.50 exceeds fees threshold of $5,132.19 over by +$2,500.31.
The below fees were included in the test:
Points - Loan Discount Fee paid by Borrower: $6,282.50
Processing Fee paid by Borrower: $495.00
Underwriting Fee paid by Borrower: $855.00		    
34104954 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2019. Notary signature date on the mortgage is xx/xx/2019. Note date is xx/xx/2019.    
18520044 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2018 does not reflect Points - Loan Discount Fee. However, CD dated xx/xx/2018 reflects Points - Loan Discount Fee at $56.64. This is an increase in fee of $56.64 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.

Loan failed lender credits that cannot decrease test. Loan estimate dated xx/xx/2018 reflects Non-specific lender credit at $59.00. However, Final CD dated xx/xx/2019 reflects Non-specific lender credit at $0. This is decrease of $ $59.00 for charges that cannot decrease. Valid COC for the decrease in NSLC is missing from the loan documents.		    
18520044 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 7.735% Exceeds APR threshold of 6.050% Over By +1.685%. Subject loan is escrowed.    
18520044 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) Loan failed GSE HPML loan type test due to The loan is a HOEPA "higher-priced mortgage loan" (HPML) that is not eligible for purchase by Freddie Mac because it is not one of the allowed loan types.In July 2008, the Board of Governors of the Federal Reserve System issued a final rule amending Regulation Z, which implements the Truth in Lending Act. The rule includes consumer protections that apply to a new category of "higher-priced mortgage loans." Regulation Z defines an HPML as a mortgage secured by the borrower's principal residence with an annual percentage rate (APR) that (for a first-lien loan) is at least 1.5% higher than the average prime offer rate (APOR) for a comparable transaction as of the date the rate was set..

Loan failed Higher-Priced Mortgage loan test due to APR calculated 7.735% Exceeds APR threshold of 6.050% Over by +1.685%. Subject loan is escrowed.		    
88407048 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID violation due to decrease in lender credit on closing disclosure dated 03/2014/2018. Initial LE dated xx/xx/2018 reflects lender credit at $14,248.00.00 However, Final CD dated xx/xx/2018 reflects lender credit at $2801.92 this is decrease of $11,446.08 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.    
34090247 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $35,948.66 Exceeds Fees threshold of $22,015.53 Over by +$13,933.13. The below fees were included in the test: Points - Loan Discount Fee paid by Borrower: $34,598.66 Processing Fee paid by Borrower: $495.00 Underwriting Fee paid by Borrower: $855.00.    
34090247 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2018. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2018. Note date is xx/xx/2018.    
34090247 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $5,699.92 and this is a manual underwritten loan.    
92687139 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails qualified mortgage lending policy points and fees test due to fees charged $51,170.00 exceeds fees threshold of $37,777.64 over by +$13,392.36
The below fees were included in the test:
Points - Loan Discount Fee paid by Borrower: $49,875.00
Processing Fee paid by Borrower: $550.00
Underwriting Fee paid by Borrower: $745.00		    
92687139 xx xx xx 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Compliance Testing (Lvl 3) This loan failed the qualified mortgage interest only test due to a qualified mortgage is a covered transaction that provides for regular periodic payments that are substantially equal, except for the effect that any interest rate change after consummation has on the payment in the case of an adjustable-rate or step-rate mortgage, that does not allow the consumer to defer repayment of principal.    
59121613 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 6.534% exceeds APR threshold of 5.800% over by +0.734%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
59121613 xx xx xx dc8b4e34-b080-4a26-ad81-9438b134f4e2 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Doc Issue Active 3: Curable * Right of Rescission (Lvl 3) Right to cancel disclosure is missing from the loan documents    
59121613 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from the loan documents.    
59121613 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure is not signed by the borrower.    
31772718 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed qualified mortgage safe harbor threshold test due to APR calculated 6.047%. Exceeds APR threshold of 5.100%. Over by +0.947%. Subject loan is escrowed.    
31772718 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2019 reflects Mortgage Broker Fee at $11,219.00. However, final CD dated xx/xx/2019 reflects Mortgage Broker Fee at $12,620.87. This is an increase in fee of $1,401.87 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
2036060 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Compliance Doc Issue Active 3: Curable * Loan program disclosure missing or unexecuted (Lvl 3) Loan program disclosure is missing from the loan document.    
2036060 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% (Subject loan is xx, CE is using the highest possible interest in First 5 Years for P&I), the borrower’s income is $xx and total expenses are in the amount of $17,406.84 the loan was underwritten by LP (locator# xx) and its recommendation is “Caution” with a DTI of xx%.    
2036060 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.967% exceeds APR threshold of 5.610% over by +0.357%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
60278645 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) Net operating income is $xx and annual payments (Debt Services) is $68,757.12 and their debt service cover ratio (DSCR) is 0.75 which is less than 1.    
34230499 xx xx xx 7efbe0ea-64cc-40ba-8e1d-bfe81b22bfa4 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Mortgage Riders incomplete / inaccurate (Lvl 2) Subject property type is PUD. However, PUD rider is missing from the loan file.    
37653837 xx xx xx 71239452-aaa1-4e46-b720-ccd30cd0d500 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit AUS Active 2: Acceptable with Warnings * The property type does not match the Appraisal Report (Lvl 2) Home has not been affixed.  However, the Affidavit of Affixation is not available in the loan file. The Alta-7 endorsement for manufactured home attached with the final title policy located at (xx). Also, the VIN# is not available in the legal description of the recorded mortgage.    
1567698 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Maryland $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
53734372 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Nebraska $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
53734372 xx xx xx 4338a740-1f15-426f-91b9-3d27e90910a7 561 561-3210 xx Non-QM QC Complete Nebraska $xx Credit Credit Active 4: Unacceptable * Lost Note Affidavit (Lvl 4) Lost note affidavit doc found at doc locator : xx    
87897549 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
55827786 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Kansas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
26756794 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
23996718 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
80991370 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
97015552 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Colorado $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
48431286 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
46885148 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Mississippi $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in the loan file.    
81817084 xx xx xx a0d5a3be-496f-41d6-a958-ce4e3ccae8fe 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to be determined.    
81817084 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Michigan $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
68671908 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Tennessee $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
62447110 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer disclosure is missing from the loan file.    
62447110 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).		    
62447110 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE risk indicator is "moderate" since this loan has points and fees that exceed the points and fees threshold. The loan amount is $xx or more, and the transaction's total points and fees is $14,338.74, which exceeds 3 percent of the total loan amount of $xx.    
62447110 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) This loan failed the QM points and fees test (xx announcement 2013-06). The loan is subject to the ability to repay requirements under regulation Z, and the points and fees exceed 3% of the total loan amount.    
62447110 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $264.00 on final CD dated xx/xx/2020. There is a total fee increased of $264.00 for a non-shoppable fee which exceeded the 0% tolerance for non-shoppable fees.    
62447110 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete New York $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Review of appraisal and tape show that value may not be supported. Comps in file appear to be far preferable to subject based on condition and size.  Elevated for client review.    
62447110 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape is showing the following alerts-

1. Physical features of comparable sales were reported inaccurately.
2. Used dissimilar comparable sales.
3. Mortgage payment history is missing or defective.		    
94453823 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is NOO. Provided seller’s tape is showing the following alerts-
1. Undisclosed liability. No further details available.
2. Failure to analyze the subject sales history.
3. In appropriate comparable sales selection due to the location.
4. Use of dissimilar comparable sales due to the site characteristics.		    
94453823 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer disclosure is missing from the loan file.    
94453823 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete Michigan $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Subject ranch home appraisal shows tape defect for use of dissimilar and location distant comps were used in valuation process. Agree based on review of appraisal. Elevated for client review.    
8835074 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan has failed TILA Right of Rescission Test.


This loan has failed Non-Numeric Clerical Error and Post-Consummation Revised Closing Disclosure Delivery Date Test.
Final CD was disclosed on xx/xx/2021 and PCCD was disclosed 60 days after final CD on xx/xx/2021. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.		    
8835074 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan has failed TRID Total of Payments Test.

Loan Data : $321,411.95   Comparison Data : $327,371.95   Under By : -$5,960.00
This loan has failed TRID Rescission Total of Payments Test.

Loan Data : $321,411.95   Comparison Data : $327,371.95   Under By : -$5,960.00		    
8835074 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Property is NOO. Seller tape shows following issues :- Points and Fees on subject loan of xx% are in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $8,811.53 on a Federal Total Loan Amount of $xx vs. an allowable total of $xx (an overage of $3,139.51 or xx%).    
8835074 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 4: Unacceptable * GSE Points and Fees Test Violations (Lvl 4) Loan fails GSE QM points and fees test due to Fees charged $8,811.53 Exceeds Fees threshold of $5,672.03 Over by +$3,139.50.
The below fees were included in the test:
Administration Fee paid by Borrower: $250.00
Loan Origination Fee paid by Borrower: $2,689.53
Points - Loan Discount Fee paid by Borrower: $4,427.00
Processing Fee paid by Borrower: $450.00
Underwriting Fee paid by Borrower: $995.00

This loan has failed Qualified Mortgage Lending Policy Points and Fees Test

Fees charged $8,811.53 Exceeds Fees threshold of $5,672.03 Over by +$3,139.50.
The below list of fees were included in test:
Administration Fee paid by Borrower: $250.00
Loan Origination Fee paid by Borrower: $2,689.53
Points - Loan Discount Fee paid by Borrower: $4,427.00
Processing Fee paid by Borrower: $450.00
Underwriting Fee paid by Borrower: $995.00		    
6199844 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application is missing signed by the loan originator.    
6199844 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test.
Loan estimate dated xx/xx/2021 does not reflect Appraisal Fee. However, CD dated xx/xx/2021 reflects Appraisal Fee at $375.00.
Loan estimate dated xx/xx/2021 does not reflects Credit report fee. However, CD dated xx/xx/2021 reflects Credit report fee at $33.50.
This is a cumulative increase in fee of $408.50 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.		    
6199844 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows issue Early Payment default- borrower due for xx/xx/22.    
6199844 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
43948976 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
43948976 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure signed by borrower is missing from the loan documents.    
43948976 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Subject property is in HI lava zone 2 and also not eligible for delivery to GSEs. Elevated for client review.    
56558679 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
56558679 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan is uninsured due to incorrect LIN # was used for this VA transaction. The LIN # was for when the home was purchased in 2017.    
56558679 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 does not reflects Points - Loan Discount Fee. However, Post CD dated xx/xx/2021 reflects Points - Loan Discount Fee  at $4,132.42. This is an increase in fee of $4,132.42 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
56558679 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) VA loan guaranty certificate is missing from the loan documents.    
73131405 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) The subject loan was approved at xx%. Tape shows BWR SE P&L missing  and DTI may be over xx%. Unable to rely on the documents in the loan file and unable to calculate ATR.    
73131405 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) CE risk indicator is "elevated" since the loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and the total expenses are in the amount of $1,751.35 and the loan was underwritten by AUS/DU (locator#xx) & its recommendation is “Approve/Eligible” and DTI is showing in it as xx%.    
73131405 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer disclosure is missing from the loan file.    
68778164 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 4.734% exceeds APR threshold of 4.410% over By +0.324%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
68778164 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) The subject property is a manufactured home with VIN/Serial# xx that is available in the recorded copy of the subject mortgage and manufactured home affidavit of affixation is attached with the mortgage copy. The final title policy is available in the loan file that doesn’t have ALTA-7 for manufactured home. The appraisal report at origination is showing that the subject property has been attached to the permanent foundation system and towing wheels and axles have been removed.    
68778164 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is manufactured home and loan is purchase primary. Tape reflects defect as missing new construction documents. Elevated for client review.    
68778164 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date xx/xx/2021 is more than 60 calendar days after the consummation date xx/xx/2021.    
3988659 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) CE TILA Test failed due to,

The disclosed finance charge is $244,156.54 and allowed is  $243,867.94 however it is undercharge by $288.60. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.		    
3988659 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE Risk Indicator is Moderate due to,
This loan failed the TILA foreclosure rescission finance charge test.
The disclosed finance charge is $244,156.54 and allowed is  $243,867.94 however it is undercharge by $288.60. 94733. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.		    
3988659 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx % as the borrower’s income was $xx and total expenses are in the amount of $5446.27 and the loan was underwritten by DU xx (xx)and its recommendation is “Approve/Eligible” with xx%.    
3988659 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows DTI issue and DTI may be over xx%. Further details not provided. Unable to rely on docs in file and unable to calc ATR    
3988659 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per Seller tape Loan is TX50 a6 full appraisal (no post close appraisal. An Appraisal report dated xx/xx/2020 is located at "xxis ".    
3988659 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock document is missing from the loan file.    
89145653 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $1,695.87 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
89145653 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Utah $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Proof of hazard insurance is missing from the loan documents.    
89145653 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows BWR misrep as had family member sign lease agreement on other property. Unable to rely on docs in file and unable to calc ATR.    
89145653 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $9,220.00 Exceeds Fees threshold of $8,910.26 Over by +$309.74.  The below fees were included in the test.
Mortgage Broker Fee (Indirect) $7,125.00
Points - Loan Discount Fee paid by Borrower: $1,200.00
Underwriting Fee paid by Borrower: $895.00		    
89145653 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
89145653 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $9,220.00 Exceeds Fees threshold of $8,910.26 Over by +$309.74. The below fees were included in the test.
Mortgage Broker Fee (Indirect) $7,125.00
Points - Loan Discount Fee paid by Borrower: $1,200.00
Underwriting Fee paid by Borrower: $895.00		    
82301026 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan documents.    
82301026 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance is missing from loan documents.    
82301026 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per Seller tape property has flip issue. As per appraisal report, the date of prior sale/transfer is xx/xx/2021. Price of prior sale/transfer is $xx and subject property sales price is $xx. The current owner\seller has fully remodeled and updated the home to reflect today's current condition.    
20527209 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 4: Unacceptable * DSCR is less than 1.00 (Lvl 4) Subject NOO has a 0 DSCR as the tape shows seller was unable to use the rental income on this property. Elevated for client review.    
46957172 xx xx xx 16778a39-ef96-4577-8234-aa9177f06e73 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Guidelines Active 2: Acceptable with Warnings * Income documentation does not meet guidelines (Lvl 2) Exception in file for using rents from borrowers law firm (family business) as rents for qualification and rents from an individual attorney.    
46957172 xx xx xx 0de1ab63-d01c-42b3-b154-e33447bd02d1 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Credit Active 3: Curable * Missing Final 1003_Application (Lvl 3) Lender information pages are missing in the file.    
46957172 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial 1003 is missing in the file.    
46957172 xx xx xx 5cb32bc6-6817-40b3-bf5e-122771c92d82 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Credit Active 3: Curable * Required Documentation Missing or Incomplete  (Lvl 3) "Property was owned by borrower's father xx and was transferred to borrower on xx/xx/2018 with a transfer date of xx/xx/2018.  On a transfer deed dated xx/xx/2018 the borrower transferred the property into the name of the LLC, xx however, this transfer for some reason was not recorded until xx/xx/2019.  The borrower never purchased the property and it appears to have just been given to our borrower. Provide a documentation to verify how the ownership transferred without any purchase or inheritance."    
46957172 xx xx xx 01ccf322-85d2-4c56-8bc7-c7f45f5400fd 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Guidelines Active 3: Curable * Mortgage/Rental lates exceed guidelines (Lvl 3) Second floor is leased to 5 individuals, there appears to be some white out and cutting and pasting which has occurred with the lease document, both at the top of page 1 and the signature lines.    
46957172 xx xx xx 65ffc271-a7cb-4c00-bffb-14c4d8fcab16 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Assets Active 3: Curable * Assets Verification (Lvl 3) November 21 statement balance $xx in borrowers name with wife.  There are many large deposits without any source  There is a statement in the name of the borrower and wife for December 21 with a balance of $xx with a large deposit of $xx with no explanation or source of funds.    
46957172 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) Net operating income is $19,945.32 and annual payments (Debt Service) are $38,403.24 and there Debt Service Cover Ratio (DSCR) is 0.52 which is less than 1."    
46957172 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Guidelines Active 4: Unacceptable * Loan does not conform to program guidelines (Lvl 4) Loan program guidelines exception. Subject mixed use property was a cash out refinance. Use of proceeds not defined in file and escalating for client review as they may be for personal purposes which would alter the characterization of subject loan.    
17039051 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
17039051 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application incomplete due to missing loan originator information section.    
17039051 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) Net operating income is $40,018.56 and annual payments (Debt Service) is $45,425.40 and there Debt Service Cover Ratio (DSCR) is 0.88 which is less than 1.    
17039051 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure is missing from the loan documents    
17039051 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete New York $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) As per appraisal page 1 & Building sketch unit#1 should contains 6 rooms (Three bedrooms, living room & dining room) however photos are missing for the 3rd bedroom)    
17039051 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Servicing transfer disclosure is missing from the loan documents.    
37212619 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final closing disclosure is missing from the loan documents.    
37212619 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit and settlement services provider list are missing from the loan documents.    
37212619 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final application is missing from the loan documents.    
37212619 xx xx xx 5cb32bc6-6817-40b3-bf5e-122771c92d82 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Credit Active 4: Unacceptable * Required Documentation Missing or Incomplete  (Lvl 4) Missing Borrower Attestation as per the Sprout sales guidelines 15.1.    
37212619 xx xx xx 0270b5a0-6846-4580-a03f-12f44a18d0d3 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 4: Unacceptable * Note is missing or unexecuted (Lvl 4) The executed copy of the note is missing from the loan file; however, the unexecuted of note copy found in the loan file is located at “xx”. Also, LNA is missing from the loan file.    
37212619 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 2: Acceptable with Warnings * Loan does not conform to program guidelines (Lvl 2) As per guidelines xx Limitation on Property Stories (Special Property Requirement for Loan Program SP I12 - Investor Mixed Use) - The minimum number of stories required is 2, however subject is 1 story building. Citing this as warning as we have a exception approval email in file.    
72448062 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) Net operating income is $23,711.16 and annual payments (Debt Service) is $xx and there debt service cover ratio (DSCR) is 0.41 which is less than 1.    
72448062 xx xx xx 08f7f0be-f4cf-4d4e-8244-193c7542c212 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 3: Curable * Not all borrowers signed HUD (Lvl 3) The final settlement statement is not signed by the borrower.    
72448062 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) An initial loan application is missing from the loan file.    
50977876 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) The net operating income is $13,298.88 and annual payments (Debt Service) is $13,298.88 and there debt service cover ratio (DSCR) is 0.19 which is less than 1.    
50977876 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final CD is missing from the loan file.    
55693289 xx xx xx 16778a39-ef96-4577-8234-aa9177f06e73 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Credit Guidelines Active 2: Acceptable with Warnings * Income documentation does not meet guidelines (Lvl 2) Need seller initials on the lease agreement for the Apartment#2 (xx)    
55693289 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure signed by borrower is missing from loan documents.    
55693289 xx xx xx 60675c38-e0cc-42bb-ad6b-845f53edb1e3 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Credit Mortgage Active 2: Acceptable with Warnings * Missing borrower sign and date  (Lvl 2) 1-4 Family rider, prepayment & SFR rider is not signed & dated by borrower.    
55693289 xx xx xx 08f7f0be-f4cf-4d4e-8244-193c7542c212 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Compliance Doc Issues Active 3: Curable * Not all borrowers signed HUD (Lvl 3) Hud-1 is not hand singed by borrowers.    
55693289 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Servicing transfer disclosure is missing from the loan documents.    
44138641 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Property is NOO. Subject approve/eligible at xx%. Property is NOO. Subject approve/eligible at xx%. Tape shows missing other investment property debts, other rental income not supported and  SE income not supported.    
27769716 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) PIW disclosure signed by the borrower is missing from the loan documents    
27769716 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Connecticut $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows income miscalculation as missed alimony debt and SE income was not supported and business may not even be open and DTI may be over xx%. Unable to rely on docs in file and unable to calc ATR.    
80445917 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of 3,445.73 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
80445917 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan approved at xx%. Tape shows loan was purchased due to documentation of S/E income is missing and including debt of REO into liabilities may push DTI to over xx%. Unable to rely on documents in file and unable to calculate ATR.    
80445917 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails Compliance Ease delivery and timing test for Initial closing disclosure dated xx/xx/2020. Document is electronically signed on xx/xx/2020 which is less than 3 business days from the consummation date xx/xx/2020.    
80445917 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
12613825 xx xx xx c3e6361e-df5f-4c53-9b34-b137e5a1b580 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Credit Active 3: Curable * LTV / CLTV > 100% (Lvl 3) Collateral value used for underwriting:  $xx. Amount of secondary lien(s):  $xx. Loan amount: $xx. CLTV xx%. Elevated for client review.    
12613825 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
12613825 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects loan was re purchased due to bankruptcy seasoning not met. BK discharge on Jan2020. Subject loan closed on Sept 2020.    
99759452 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) Loan failed MA 209 CMR 32.35 higher-priced mortgage loan test due to APR calculated 4.709% exceeds APR threshold of 4.700% over by +0.009%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
99759452 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is HPML originated under Mass Housing bond loan program. However, MI is not required on the loan as the Mass Housing self insures.    
99759452 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed higher-priced mortgage loan test due to APR calculated 4.709% exceeds APR threshold of 4.700% over by +0.009%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
99759452 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 does not reflect survey fee. However, post closing disclosure dated xx/xx/2020 reflects survey at $100.00. This is an increase in fee of $100.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
99759452 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate.    
55017673 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $1,549.95 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
55017673 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2021. Notary's signature date on the Deed of Trust is xx/xx/2021. Note date is xx/xx/2021.    
55017673 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 4: Unacceptable * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) Subject approve/eligible at xx%. Tape shows loan was re-purchased as the rental income was not documented and undisclosed debt included in liabilities may push DTI to xx%. Also missing verification SE business was still open. Unable to rely on docs in file and unable to calc ATR.    
55017673 xx xx xx 399d40af-a75c-4340-9c3c-97eadb98a8dc 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Guidelines Active 3: Curable * Cash out purchase (Lvl 3) The subject loan is purchase case. However Final CD dated xx/xx/2021 reflects cash to in the amount of $xx.    
12586690 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is  $xx and total expenses are in the amount of $10,104.92 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
12586690 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows income and liability miscalculation may push DTI higher. No further details provided. Unable to rely on docs in file and unable to calc ATR.    
12586690 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that increase more than 10% test. Initial loan estimate dated xx/xx/2020 reflects recording fee at $475.00. However, final CD dated xx/xx/2020 reflects recording fee at $822.50. This is a fee increase of $300.00 for charges that cannot increase more than 10%. Valid COC for the increase in fee amount is missing in the loan documents    
60017757 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is  $xx and total expenses are in the amount of $6,499.35 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
60017757 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Subject sold xx/xx/20 for $xxK with mortgage $xxK. Tape shows comps were inappropriate. 1008 in file shows lender valuation concern. Appraisal shows 6 comps in xx with closest over 1 mile away but appears they had to go 5-6 miles out to get value. Elevated for client review.    
10716175 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower income was $xx and total expenses are in the amount of $3,195.50 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
10716175 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape data shows loan approved under the GFSFA Platinum Select bond program and has a DTI cap of 50% and the loan closed with a xx% DTI. Exception request was declined by the investor.    
10716175 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Your home loan toolkit / acknowledgment / disclosure tracking is missing in the loan file.    
10716175 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2020 delivered on xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.    
10716175 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
10716175 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The borrower's intent to proceed is missing in loan file.    
10716175 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
10716175 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) The loan failed the RESPA timing test because the Loan Estimate, Settlement Services Provider List were issued 14 days after initial application date.  Loan application date is xx/xx/2020 and the documents are dated xx/xx/2020.    
23854791 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows loan was repurchased due to borrower misrepresentation. No further details available. Unable to rely docs in file and unable to calc ATR.    
23854791 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).		    
23854791 xx xx xx c56299d8-a56d-4ee2-ba5d-9e8408623724 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase RESPA Test Failed (Lvl 3) An initial loan application is dated xx/xx/2020 whereas all the initial disclosures and LE are dated xx/xx/2020. Provided disclosure tracking sheet shows an initial LE dated xx/xx/2020.

1. This loan failed the written list of service providers disclosure date test The written list of service providers disclosure date is 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.

2. This loan failed the homeownership counseling organizations disclosure date test since the loan has a homeownership counseling organizations disclosure date (xx/xx/2020) that is not within three business days of the loan originator's application date (or the date creditor received application (xx/xx/2020).

3. This loan failed the initial loan estimate delivery date test since the initial loan estimate delivery date (xx/xx/2020) is 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 broker receives the consumer's written application (xx/xx/2020).		    
23854791 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) 1. This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $1,013.87 on final CD dated 08/xx//2020. There is a total fee increased of $1,013.87 for a non-shoppable fee which exceeded the 0% tolerance for non-shoppable fees.

2. This loan failed the charges that in total cannot increase more than 10% test. Missing valid COC for the total fees increased of $2,435.77 on the final CD dated 08/xx//2020.
Provided final CD reflects the cumulative fees in B section increased in the amount of $2,435.77 in creditor's providers fees which exceeded the 10% tolerance for creditor's providers fees.		    
78792708 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Doc Issue Active 4: Unacceptable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) Appraisal report in loan file is subject to Completion/Repairs due to construction of the pool. However, Updated 1004D is available at xx which reflects construction of the pool is not completed yet.    
78792708 xx xx xx 32e0d7b5-f4de-4b77-9574-04cce9803bb3 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 4: Unacceptable * Loan has escrow holdback. No proof it was released (Lvl 4) Final closing disclosure reflects escrow holdback in the amount of $xx. However, proof or release of escrow holdback is missing from the loan documents.    
33614379 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The borrower's intent to proceed is missing in loan file.    
33614379 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 4: Unacceptable * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) Subject approved at xx%. Tape shows BWR misrepresentation as was not employed at closing. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
33614379 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA Finance Charge Test due to finance charge disclosed on final CD as $79,761.53. Calculated finance charge is $81,298.91 for an under disclosed amount of $1,537.38.  Reason for finance charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is a purchase, originated on xx/xx/2016 and the SOL is 1 year.    
42581125 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is  $xx and total expenses are in the amount of $5,349.70 and the loan was underwritten by DU (locator# xx) and its recommendation is Approve/Eligible with a DTI of xx%.    
42581125 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller tape shows BWR misrep as was not employed at closing. Unable to rely on docs in file and unable to calc ATR.    
42581125 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $ $40,442.91. Calculated finance charge is $42,228.81 for an under disclosed amount of $1,785.90.  Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is a purchase, originated on xx/xx/2016 and the SOL is 1 year.    
42581125 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Borrower's intent to proceed is missing in loan file.    
42581125 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed revised closing disclosure delivery waiting period Test due to Changes before consummation requiring a new waiting period. APR becomes inaccurate.    
29230291 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $3,146.67 per AUS/DU (locator#xx) and its recommendation is Approve/Eligible with xx%.    
29230291 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Missing valid COC for a fee increase on CD dated xx/xx/2017.  LE dated xx/xx/2017 reflects transfer taxes fee of $5,158.00, however, CD dated xx/xx/2017 reflects transfer taxes fee of $5,173.50.00.  This is a fee increase of $15.50 for a non-shoppable fee which exceeds the 0% tolerance for non-shoppable fees.    
29230291 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan was repurchased due to the loan had a previous repurchase alternative with FNMA however the borrower became delinquent during the term of the agreement therefore we were required to repurchase the loan.    
12419818 xx xx xx 64b4e88c-ac9f-44af-bd44-81df53d25df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 4: Unacceptable * Closing_Disclosure violations (Lvl 4) Tape shows Final CD dated xx/xx/2019 was not signed on consummation date. Title company's notary allowed borrower to sign all loan documents even though borrower disagreed with and refused to sign final CD. They signed over a weekend and then signed a revised final CD 2 days later. Unable to cure as final CD was completed post-consummation.    
12419818 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $xx and total expenses are in the amount of$5,158.82 and the loan was underwritten by LP (locator# xx) and its recommendation is “Accept” with a DTI of xx%.    
12419818 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from the loan documents.    
97686049 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) Mortgage insurance certificate is missing from the loan documents.    
97686049 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan closed at xx%. Tape shows loan undisclosed debt of $548 per month pushes DTI over xx% and loan is uninsurable. Unable to rely on docs in file and unable to calc ATR.    
97686049 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Appraisal report in loan file is ‘Subject To’ completion of construction. Subject is new construction and estimate amount of completion is $xx available in the appraisal report. Final CD does not reflect any escrow holdback. However, 1004D Update/Completion report is missing from the loan documents. Elevated for client review.    
97686049 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is  and total expenses are in the amount of $3,881.36 and the loan was underwritten by DU (locator# xx) and its recommendation is “Refer/Eligible” with a DTI of xx%.    
2147885 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is   and total expenses are in the amount of $1,287.88 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
2147885 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as owner occupied but tape shows there is an occupancy misrepresentation. Further details not provided.    
20771442 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Written list of service providers disclosure date test failed due to Written list of service providers dated on xx/xx/2020 which more than 3 business days from the initial application date xx/xx/2020.    
20771442 xx xx xx 399d40af-a75c-4340-9c3c-97eadb98a8dc 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 2: Acceptable with Warnings * Cash out purchase (Lvl 2) The subject loan is purchase case. However final CD dated xx/xx/2020 reflects cash to in the amount of $500.00.    
20771442 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Initial loan estimate delivery date test failed due to initial loan estimate dated on xx/xx/2020 and borrower signed on xx/xx/2020 which more than 3 business days from the initial application date xx/xx/2020.    
20771442 xx xx xx c56299d8-a56d-4ee2-ba5d-9e8408623724 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase RESPA Test Failed (Lvl 3) The loan failed the RESPA timing test because the homeownership counseling organization disclosure date xx/xx/2020 and Initial loan application dated on xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.    
20771442 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed TRID tolerance test charges that cannot increase 0% and charges that in total cannot increase more than 10% test failed due to Initial loan estimate delivery and timing test. Initial LE dated xx/xx/2020 and borrower singed on xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.    
20771442 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows MI error at closing delayed the purchase of the loan. Once corrected and re-locked with the bond authority the interest rate on the program dropped from 3.5% at closing to 3.37%. Closing documents were re-signed by the borrowers. Loan was resubmitted through AUS at the lower rate, it pulled credit and revealed lower FICO scores.    
46429451 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $xx and total expenses are in the amount of $2,727.07 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%    
46429451 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
46429451 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as owner occupied but seller defect shows occupancy misrepresentation. Subject is NOO as BWR listed property for rent 6 days after closing. Elevated for client review.    
53484544 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. The finance charge is $147,728.62. The disclosed finance charge of $147,614.62 is not considered accurate because it is understated by more than $100. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
53484544 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) The subject loan was approved at the DTI of xx%. Provided seller’s tape is showing an alert that the borrower's income was calculated incorrectly. Further details are not provided to confirm the same. Unable to rely on the documents in the loan file and unable to calculate ATR.    
53484544 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) An intent to proceed disclosure is missing from the loan file.    
53484544 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE risk indicator is "moderate" since the loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and the total expenses are in the amount of $2,260.81 and the loan was underwritten by AUS/DU (locator# xx) & its recommendation is “Approve/Eligible” and DTI is showing in it as xx%.    
18848421 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Market condition addendum is missing from the loan documents.    
18848421 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2021. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/2021. Note date is xx/xx/2021.    
18848421 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The borrower's intent to proceed is missing from the loan file.    
18848421 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as owner occupied but seller defect shows occupancy misrepresentation. Subject is NOO as BWR listed property for rent. Elevated for client review.    
76503528 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $3,801.15 per AUS/DU (locator# xx) and its recommendation is “Caution with xx%.”    
76503528 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject refer with caution at xx%. Tape shows BWR2 income calculation based on 12 months teacher salary but is actually 10 months income and may push DTI higher. Unable to rely on docs in file and unable to calc ATR.    
76503528 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure is missing from the loan file.    
75799587 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xx and total expenses are in the amount of $2,725.25 and the loan was underwritten by AUS/LP (locator# xx) and its recommendation is “Accept/Eligible” with xx%.    
75799587 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan has failed TILA Finance Charge Test.

The disclosed finance charge is $207,676.76 and allowed is $210,439.03 however it is undercharge by $2,762.27. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.		    
75799587 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan has failed TRID Total of Payments Test.
Charged : $580,598.01   Allowed : $585,210.28   Under by : -$4,612.27
The total of payments is $585,210.28. The disclosed total of payments of $580,598.01 is not considered accurate because it is understated by more than $100.		    
75799587 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan has failed Charges That Cannot Increase Test, because Initial LE dated xx/xx/2021 shows Points - Loan Discount Fee at $0.00 and Transfer Taxes at $4,372.00; however, Final CD dated xx/xx/2021 shows Points - Loan Discount Fee at $2,312.59 and Transfer Taxes at $4,372.36. This is a fee increase of $2,312.97 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
75799587 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issues. AUS - Loan was repurchased due to an error related to the AUS. No further details are provided.    
75799587 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
45538976 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issues. This loan will be added to the DHIM portfolio due to an underwriter error. No further details are provided.    
45538976 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Servicing transfer disclosure is missing from the loan file.    
19759688 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape is showing an alert that the final LP shows the risk class as "Caution" when the underwriter updated the LP to include an FHA identifier. The Underwriter changed the findings from "Accept" to "Caution" which was overlooked prior to the closing.    
19759688 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and the total expenses are in the amount of $1,510.70 and the loan was underwritten by AUS/LP (locator#xx) & its recommendation is “Caution" and DTI is showing in it as xx%.    
59403173 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 4: Unacceptable * Loan does not conform to program guidelines (Lvl 4) Provided seller’s tape is showing an alert that the subject loan was closed and funded without signed the final CD by the borrowers/sellers. Final CD in file is not signed by the borrower.    
59403173 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. The finance charge is $140,299.32. The disclosed finance charge of $140,144.32 is not considered accurate because it is understated by more than $100. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
59403173 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) An intent to proceed disclosure is missing from the loan file.    
38666392 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
38666392 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
38666392 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the disclosed APR high-cost threshold exception test.
Although the recalculated APR does not exceed any "high-cost " APR thresholds, using the disclosed APR, as provided, the loan
would fail the following "high-cost " APR threshold test(s): TX SB 1581 High-Cost Home Loan Credit Transaction APR Threshold
Test. As a result, this loan may not be acceptable to certain secondary market investors.

Disclosed APR High-Cost Threshold Exception Test is fail. Loan data is 12.851% and comparison data is 12.750%. Hence, the variance is +0.101%.		    
38666392 xx xx xx a0d5a3be-496f-41d6-a958-ce4e3ccae8fe 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Operative index value is unable to be determined.    
38666392 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
75141826 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is  $xx and total expenses are in the amount of $3,577.31 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
75141826 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at xx%. Seller tape shows loan was Repurchased due to borrower misrepresentation. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
75141826 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
75141826 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Initial loan estimate delivery date test due to initial LE dated on xx/xx/2020 which is more than 3 business days from the initial application date xx/xx/2020.    
75141826 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial loan estimate delivery and timing test. Initial LE dated xx/xx/2020 delivered on xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.    
75141826 xx xx xx c56299d8-a56d-4ee2-ba5d-9e8408623724 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * ComplianceEase RESPA Test Failed (Lvl 3) The loan failed the RESPA timing test because the  Homeownership Counseling Organization Disclosure were issued 4 days after initial application date.  Initial loan application date is xx/xx/2020 and the documents are dated xx/xx/2020.    
75141826 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Written list of service providers disclosure date test due to written list of service providers dated on xx/xx/2020 which is more than 3 business days from the initial application date xx/xx/2020.    
95712494 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) The borrower's intent to proceed is missing in loan file.    
95712494 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows the material defect is that it was an FHA loan that was approved on 3/xx that had a defaulted xx. Since this loan was approved and is closing in March, we have made the decision to proceed with closing once the loan is converted to conventional loan.    
95712494 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard insurance policy is missing from the loan document.    
43647136 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) The subject loan was approved at the DTI of xx%. Tape shows that the borrower was unemployed; timing unclear. Further details not provided. Unable to rely on the documents in the loan file and unable to calculate ATR.    
43647136 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).		    
43647136 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. The finance charge is $397,332.68. The disclosed finance charge of $396,829.18 is not considered accurate because it is understated by more than $100. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
43647136 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) 1. This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $21.77 on PCCD dated 09/xx//2021. There is a total fee increased of $21.77 for a non-shoppable fee which exceeded the 0% tolerance for non-shoppable fees.

2. This loan failed the charges that in total cannot increase more than 10% test. Missing valid COC for the total fees increased of $316.30  on the PCCD dated xx/xx/2021.
Provided PCCD reflects the cumulative fees in B section increased of 22.017% with the amount of $316.30 in creditor's providers fees which exceeded the 10% tolerance for creditor's providers fees.		    
88945566 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
88945566 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $3,347.55 and the loan was underwritten by LP (locator# xx) and its recommendation is accept/eligible” with a DTI of xx%.    
88945566 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2021. Notary's signature date on the Deed of Trust is xx/xx/2021. Note date is xx/xx/2021.    
88945566 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase TRID tolerance test is incomplete due to initial closing disclosure is missing from the loan documents.    
69439530 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report missing from the loan file    
69439530 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
69439530 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Homeownership Counselling Disclosure is missing. (Lvl 3) Homeownership counseling disclosure is missing from loan documents.    
69439530 xx xx xx 3e7649ea-d4a6-431b-bedf-93e8df994bff 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Settlement services provider list is missing from the loan documents.    
69439530 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Subject appraisal xx/xx/20 was subject to completion of construction by seller. 1004D in file. Elevated for client review.    
69439530 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan was re-purchased from an investor. Loan needs to be manual underwritten due to LP caution recommendation. FHLMC deemed the loan ineligible due to layering of risk.    
69439530 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
10645504 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Alabama $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows loan closed with a 100% guaranty but due to prior foreclosure borrower has insufficient entitlement for 100% guaranty.    
10645504 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Alabama $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Your home loan toolkit is missing from the loan documents.    
10645504 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Initial loan estimate delivery date test failed due to initial LE dated xx/xx/2021 and delivered on xx/xx/2021 which is more than 3 business days from initial application date xx/xx/2021.    
10645504 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE delivery and timing test. Initial LE dated xx/xx/2021 delivered on xx/xx/2021 which is more than 3 business days from initial application date xx/xx/2021.    
1747049 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
1747049 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan is VA cash out refinance with LTV greater than xx% and loan did not meet seasoning requirement due to modification.    
1747049 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Market condition to addendum is missing from the loan documents.    
64257466 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial LE is missing from loan documents.    
64257466 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID tolerance test is incomplete due to Initial LE is missing from loan documents.    
64257466 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock provided expired on xx/xx/2020 and the loan closed on xx/xx/2020. No lock extension found.    
64257466 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from loan documents.    
64257466 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan closed on expired appraisal.    
35347363 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Closing disclosure dated xx/xx/2020 does not reflect a signature and the document tracking disclosure was not located.  Three day mail method for delivery and receipt was used and loan is failing for timing of this TRID.  Document tracker is required to ensure timing and clear timing fail.    
35347363 xx xx xx 16dc247a-f23a-428e-b9ce-cb73f137f0e6 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Credit Active 3: Curable * Escrow for MI but no MI cert in file (Lvl 3) MI certificate is missing from the loan documents.    
35347363 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI certificate is missing from the loan documents.    
35347363 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/2020. Initial LE dated xx/xx/2020 reflects lender credit at $2,209.00, however, revised CD dated xx/xx/2020 reflects lender credit at $2,186.27. This is decrease of $22.73 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan document.

Missing valid COC for a fee increase on CD dated xx/xx/2020.  LE dated xx/xx/2020 reflects a credit report fee of $57.00, however, CD dated xx/xx/2020 reflects a credit report fee of $76.68.  This is a fee increase of $19.68 for a non-shoppable fee which exceeds the 0% tolerance for non-shoppable fees.

Missing valid COC for a fee increase on CD dated xx/xx/2020. LE dated xx/xx/2020 reflects a recording fee of $99.00, however, CD dated xx/xx/2020 reflects a recording fee of $117.00.  This is a cumulative fee increase of $8.10 in creditor's providers fees which exceeds the 10% tolerance for creditor's providers fees and a valid COC is required.		    
35347363 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows subject loan is uninsured due to the loan closed on an expired appraisal report. Loan closed on xx/xx/2020 & original appraisal available in the loan file is dated xx/xx/2020 also 1004D dated xx/xx/2020 and xx/xx/2020 are available in the loan file. Unable to rely on docs in file. Elevated for client review.    
74374179 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Wyoming $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Borrower was not employed at the time of closing. Unable to rely on docs in file and unable to calc ATR.    
74374179 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Wyoming $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Proof of hazard insurance is missing from the loan documents.    
74374179 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Wyoming $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
23576246 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from loan file.    
23576246 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease Risk Indicator is Moderate due to TILA Finance Charge Test failed and TILA Foreclosure Rescission Finance Charge Test failed.    
23576246 xx xx xx 57ebb2cd-7596-4166-9bd9-6f932a9e2595 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) TIL not hand Dated by borrower.    
23576246 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR not hand dated by borrower.    
23576246 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Settlement date is different from note date.    
23576246 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.
The finance charge is $132,286.52. The disclosed finance charge of $130,341.97 is not considered accurate because it is understated by more than $100.

This loan failed the TILA foreclosure rescission finance charge test.
The finance charge is $132,286.52. The disclosed finance charge of $130,341.97 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
23576246 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure at origination is missing from the loan file.    
23576246 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
23576246 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application is missing from loan file.    
23576246 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing but estimated HUD is available which is located at xx.    
23576246 xx xx xx 08f7f0be-f4cf-4d4e-8244-193c7542c212 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issues Active 3: Curable * Not all borrowers signed HUD (Lvl 3) Estimated HUD is not signed by all borrowers.    
23576246 xx xx xx 4338a740-1f15-426f-91b9-3d27e90910a7 561 561-3210 xx Non-QM QC Complete California $xx Credit Credit Active 3: Curable * Lost Note Affidavit (Lvl 3) The lost Note Affidavit is located at xx which states that original Note has been lost or destroyed. However, the true copy of Note is available in the loan file. The loan has not been modified since origination.    
66982946 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan files.    
66982946 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Colorado $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan files.    
34086509 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issues Active 1: Acceptable * Settlement date is different from note date (Lvl 1) Settlement date is different from note date. However; Settlement date is xx/xx/2007 and Note date is xx/xx/2007.    
34086509 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
34086509 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Loan program disclosure missing or unexecuted (Lvl 2) Loan Program Disclosure is missing from the loan file.    
82634896 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx Non-QM QC Complete Iowa $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing flood cert (Lvl 2) Flood Cert is missing from the loan file.    
82634896 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Iowa $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan file.    
82634896 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Iowa $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is "Moderate" factor as follow:
Prohibited Fees Test: FAIL        Loan Data: $1,620.00         Comparison Data: $0.00          Variance: +$1,620.00 The loan failed the prohibited fees test. Iowa loans may fall into more than one loan category at the same time. A fee is allowed if authorized by one or more statutes that apply.		    
82634896 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Iowa $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
82634896 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx Non-QM QC Complete Iowa $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) Prohibited Fees Test: FAIL        Loan Data: $1,620.00         Comparison Data: $0.00          Variance: +$1,620.00 The loan failed the prohibited fees test. Iowa loans may fall into more than one loan category at the same time. A fee is allowed if authorized by one or more statutes that
apply.		    
82634896 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Iowa $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is available in the loan file but, Settlement date as well as disbursement date is not available on it.    
74073061 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from loan file.    
74073061 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow account disclosure is missing from the loan file.    
74073061 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
71725883 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business form is missing from the loan file.    
71725883 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing Transfer Document is missing from the loan file.    
71725883 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The final application is missing from the loan file.    
71725883 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
75073421 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
75073421 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Texas $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Final appraisal is missing from the loan file.    
75073421 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file.    
75073421 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing    
75073421 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing.    
75073421 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 document is missing from the loan file, also Estimated HUD-1 and Itemization documents are missing from the loan file.    
75073421 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
45105117 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
45105117 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure at origination is missing from the loan file.    
45105117 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application is missing from loan file.    
45105117 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) The Final HUD-1 along with Preliminary HUD-1 and Itemization are missing from the loan file.    
45105117 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from loan file.    
45105117 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from loan file.    
45105117 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete North Carolina $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An Appraisal report at origination is missing from the loan file.    
11673147 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan files.    
11673147 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure at origination is missing from the loan files.    
74498941 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from this loan file.    
74498941 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final TIL is missing from the loan file. Therefore, APR is considered as 0.00% for Compliance Ease.    
74498941 xx xx xx 6d175d99-f2e3-4d75-80a0-682f8b85b1ea 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial truth in lending document is missing from this loan file.    
74498941 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form document is missing from this loan file.    
74498941 xx xx xx e99b279c-a3fe-4039-91dc-3f33c0f684d9 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Good Faith Estimate is Missing (Lvl 2) Initial good faith estimate document is missing from this loan file.    
74498941 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final truth in lending document is missing from this loan file.    
74498941 xx xx xx 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Good Faith Estimate missing or unexecuted (Lvl 2) Final good faith estimate document is missing from this loan file.    
74498941 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
74498941 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application document is missing from this loan file.    
74498941 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing flood cert (Lvl 2) Flood certificate is missing from this loan file.    
74498941 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Florida $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal document is missing from this loan file.    
21285116 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows borrower self-employment income not documented and excluding the income may push DTI higher. Unable to rely on documents in file and unable to calculate ATR.    
21285116 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $2,821.30 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
21285116 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $10,793.00 Exceeds Fees threshold of $10,358.80 over by +$434.20.
The below fees were included in the test:
Administration Fee paid by Borrower: $67.00
Lender Fee paid by Borrower: $945.00
Mortgage Broker Fee (Indirect) $7,875.00
Points - Loan Discount Fee paid by Borrower: $1,890.00
Wire Transfer Fee paid by Borrower: $16.00

Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $10,793.00 Exceeds Fees threshold of $10,358.80 Over by +$434.20.
The below fees were included in the test:
Administration Fee paid by Borrower: $67.00
Lender Fee paid by Borrower: $945.00
Mortgage Broker Fee (Indirect) $7,875.00
Points - Loan Discount Fee paid by Borrower: $1,890.00
Wire Transfer Fee paid by Borrower: $16.00		    
21285116 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) ComplianceEase TRID Tolerance test is incomplete due to initial CD is missing from the loan documents.    
32418915 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
32418915 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Final transmittal summary is missing from the loan documents.    
32418915 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
32418915 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Subject second home outside of xx TX appraisal noted on tape for dissimilar comps. Seller requested additional comps and appear to be 9 in file. Review of appraisal also notes subject had original listing price $xx and BWR contract for $xx. Elevated for client review.    
20676295 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved/eligible at XX%. Tape shows income documentation was insufficient and liabilities were missed. Further details not provided. Unable to rely on documents in file and unable to calculate ATR.    
20676295 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Utah $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
20676295 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
2445171 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Utah $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Missing Appraisal Completion Cert (1004D).  The appraisal report dated xx/xx/2021 is completed as "Subject to the following repairs or alterations" for peeling paint and estimated cost to cure is $600.00. Post consummation closing disclosure reflects escrow holdback for $354.00.    
2445171 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date (xx/xx/2021) is less than three business days before the consummation date (xx/xx/2021).    
2445171 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Utah $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI certificate is missing from the loan documents.    
2445171 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Utah $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows this is an uninsurable FHA loan due to CAIVRS default. Also CAIVRS number not found in the loan file. Further details not provided. Elevated for client review.    
2445171 xx xx xx 5cb32bc6-6817-40b3-bf5e-122771c92d82 561 561-3210 xx QM-TRID QC Complete Utah $xx Credit Credit Active 3: Curable * Required Documentation Missing or Incomplete  (Lvl 3) Evidence of case assignment is missing in the loan file.    
2445171 xx xx xx 249ccfc8-8061-4638-a74f-933a4ad40fc5 561 561-3210 xx QM-TRID QC Complete Utah $xx Credit Legal Docs Active 1: Acceptable * Loan has escrow holdback. No proof it was released (Lvl 1) Loan has escrow hold back in the amount of $xx. Proof of release of escrow hold back is missing from the loan documents.    
2445171 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
9498085 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (4.945%) is exceeded APOR (4.490%) by 0.455%. The APR threshold is 4.490% and the subject loan is escrowed one.

Qualified Mortgage Safe Harbor Threshold: FAIL     Charged: 4.945%    Allowed: 4.490%    Over by: +0.455%		    
9498085 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one.
While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.
  
Higher-Priced Mortgage Loan Test: FAIL      Charged: 5.019%      Allowed: 4.490%     Over by: +0.529%		    
9498085 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan is unsolvable due to homebuyer's education certificate is dated after closing. Education certificate is not available in the loan file to verify. Elevated for client review.    
9498085 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit/acknowledgment/disclosure tracking is missing from the loan documents.    
9498085 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
28108255 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved/eligible at xx%. Tape shows AUS invalidated due to incorrect credit report. Unable to rely on docs in file & unable to calculate ATR.    
28108255 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 dose not reflects Appraisal Re-Inspection Fee. However, CD dated xx/xx/2021 reflects Appraisal Re-Inspection Fee at $200.00. This is an increase in fee of $200.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
28108255 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Loan failed ComplianceEase delivery and timing test for closing disclosure dated xx/xx/2021 is electronically singed on xx/xx/2021. which is after the Consummation date xx/xx/2021. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.    
42856481 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Nevada $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approved as NOO and eligible at xx%. Tape shows other undisclosed debts may push DTI higher.    
42856481 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Nevada $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Your home loan toolkit is missing from the loan documents.    
6827108 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows that home buyer education was not completed prior to loan closing.    
6827108 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Your home loan toolkit is missing from loan documents.    
54791996 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows loan was closed as SOFR ARM using Libor paperwork.    
48109236 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape shows additional debt with TMC of $633 monthly was not disclosed at closing and including them may push DTI to 59.49%. Unable to rely on documents in file and unable to calculate ATR.    
48109236 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Initial Loan Estimate is dated xx/xx/2020 and electronically signed on xx/xx/2021 which is greater than 3 days. Unable to determine delivery date due to missing doc tracker.  TRID is failing for timing of Initial LE.    
48109236 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2020 delivered on xx/xx/2021 which is more than 3 business days from initial application date xx/xx/2020.    
48109236 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
48109236 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is  $xx and total expenses are in the amount of $1,714.82 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
34838129 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/2021. Initial LE dated xx/xx/2021 reflects lender credit at $4,281.00, however, revised CD dated xx/xx/2021 reflects lender credit at $0.00. This is decrease of $4,281.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan document.    
34838129 xx xx xx 89913716-4c3d-4ad4-a3ef-a72950b08e98 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Doc Issue Active 3: Curable * Loan program disclosure missing or unexecuted (Lvl 3) Loan program disclosure is missing from the loan file. Also tape shows ARM disclosure was not provided until 10 days after switch to ARM.    
34838129 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
34838129 xx xx xx 6bf772c0-8ad6-4527-a186-0d6562670150 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase HOEPA Test Incomplete (Lvl 3) This loan is not tested against the high-cost mortgage APR threshold due to an ARM index was not provided.    
33340515 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $2,475.30 and the loan was underwritten by AUS (locator#  xx) and its recommendation is approve/eligible for a DTI of xx%.    
33340515 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
33340515 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID violation due to decrease in lender credit on final closing disclosure. Initial loan estimate dated xx/xx/2021 reflects lender credit at $2,818.00. However, final closing disclosure dated xx/xx/2021 reflects lender credit at $2,012.11. This is decrease of $805.89 for fee which has 0% tolerance test. Valid COC for the decrease in lender credit is missing from the loan documents.    
33340515 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the issue as the loan is uninsured. The loan was closed using wrong appraised value of $xx. However, UW should have used $xx price of prior transfer as the subject is refinance with 12 months of purchase.    
60966067 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan is uninsurable and bought out of Ginnie Mae pool due to loan failed seasoning requirement.    
60966067 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
77703830 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 reflects loan origination fee at $2,920.00. However, final CD dated xx/xx/2021 reflects loan origination fee at $3,467.50. This is an increase in fee of $547.50 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
77703830 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from loan documents.    
77703830 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows uninsurable FHA loan.    
77703830 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
91440723 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan document.    
91440723 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $3,591.46 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is Approve/ Eligible with a DTI of xx%.    
91440723 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2019 does not reflect Points - Loan Discount Fee. However, initial CD dated xx/xx/2019 reflects Points - Loan Discount Fee at $1,330.89. This is an increase in fee of $1330.89 for charges that cannot increase. Valid COC for the addition of fee is missing from the loan documents.    
91440723 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Your home loan toolkit disclosure tracking is missing in the loan file.    
91440723 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure is missing from the loan documents.    
91440723 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as OO but seller defect shows may be NOO. BWR never moved into property. Elevated for client review.    
97233159 xx xx xx 5b7706a0-5e0e-433e-94be-b0b0fbcc0702 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Doc Issue Active 3: Curable * Missing required 1-4 family rider (Lvl 3) 1-4 Family rider is missing from the loan file.    
97233159 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure is missing from the loan file.    
97233159 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows that an "Alternate LE" was initially provided to borrower due to loan transaction starting off as a refinance; but was changed to purchase; the use of an alternate LE make loan non-compliant.    
3735500 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) The subject loan was approved at the DTI of xx%. Tape shows BWR was not employed at closing and SSI did not start yet. BWR appears to have zero income. Unable to rely on the documents in the loan file and unable to calculate ATR.    
9888859 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Tape shows FNMA rejected appraisal and follow up field review due to dissimilar comps used. Subject is in a platted subdivision but comps were 4-9 plus miles away. Concur with FNMA. Elevated for client review.    
50492935 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $3,381.16 and the loan was underwritten by DU (locator# xx) and its recommendation is Approve/Eligible with a DTI of xx%.    
50492935 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows undisclosed $xx Discover Bank debt may push DTI to xx%. Unable to rely on docs in file and unable to calc ATR.    
50492935 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer is missing from the loan file.    
47218889 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows undisclosed First Union mortgage may push DTI over xx%. Unable to rely on docs in file and unable to calc ATR.    
47218889 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
68322823 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) As per net operating income statement (NOI) is $13,622.04 and annual payment is $xx. As a result DSCR ratio is 0.60%.    
68322823 xx xx xx d0c75b4b-dd5d-4d51-9418-7119e7ab6397 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * TRID Violations (Lvl 3) Subject is NOO. Tape shows alert as LE and CD issued on the same day.    
12907048 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed compliance ease delivery and timing test for closing disclosure dated xx/xx/2017. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2017 which is after the consummation date xx/xx/2021.    
12907048 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $307,091.38. Calculated finance charge is $313,199.24 for an under disclosed amount of $6,107.86. Reason for finance charge under disclosure is unknown as the fee itemization is missing.

TRID total of payment disclosed on final CD as $765,533.38. Calculated total of payments is $771,691.24 for an under disclosed amount of $6,157.86. The disclosed total of payments of $765,533.38 is not considered accurate because it is understated by more than $100. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.		    
12907048 xx xx xx fbdf2672-bb78-4d47-8239-175dbfaf8564 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Credit Active 2: Acceptable with Warnings * Final Application Incomplete (Lvl 2) Final application is hand signed by borrower is missing from the loan documents.    
12907048 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller defect shows insufficient SE income documentation. Further details not provided. Unable to rely on documents in file and unable to calculate ATR.    
12907048 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
12907048 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application is missing from the loan documents.    
74349179 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is NOO. Tape shows the APR increased by 0.372% from the Non-final CD to the Final CD. The APR increased by more than the allowed percentage of 0.125% for a Fixed Rate and the required waiting period was not met.    
74349179 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete California $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal summary with P&I $xx is missing from the loan documents.    
68393149 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $2,508.41 and the loan was underwritten by AUS(locator#xx) and its recommendation is “Approve/Eligible” with xx%.    
68393149 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller defect shows no valid AUS and may push DTI to over xx%. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
68393149 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 does not reflect Points - Loan Discount fee. However, CD dated xx/xx/2021 reflects Points - Loan Discount fee at $1,436.52. This is an increase in fee of $1,436.52 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
68393149 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed compliance ease delivery and timing test for revised closing disclosure dated xx/xx/2021. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2021 which is after the Consummation date xx/xx/2021.    
74317274 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed qualified mortgage safe harbor threshold test due to APR calculated 5.7xx% exceeds APR threshold of 4.450% over by +1.293%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
74317274 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Nevada $xx Credit Guidelines Active 2: Acceptable with Warnings * Loan does not conform to program guidelines (Lvl 2) Seller tape shows this loan does not meet the new QM eligibility requirements. The calculated rate spread of 3.145% is above the allowable limit.    
74317274 xx xx xx 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * Compliance Testing (Lvl 2) Loan failed qualified mortgage APR threshold test due to APR calculated 5.7xx% exceeds APR threshold of 5.200% over by +0.5xx%. HPML disclosure signed by the borrower is missing from the loan documents.    
74317274 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
74317274 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Nevada $xx Valuation Doc Issue Active 4: Unacceptable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) Appraisal report in loan file is subject to Completion/Repairs. Estimate amount to complete the repairs and details regarding the nature of repairs is not available in the appraisal report. However, updated 1004D is missing from the loan documents. Final CD does not reflect any escrow holdback.    
58107007 xx xx xx 399d40af-a75c-4340-9c3c-97eadb98a8dc 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 2: Acceptable with Warnings * Cash out purchase (Lvl 2) The subject loan is purchase case, however final closing disclosure date xx/xx/2021 reflects cash to in the amount of $72,480.31.    
58107007 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate.    
58107007 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows bankruptcy not allowed on program.    
58107007 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx/xx/2020 does not reflect points-loan discount fee. However, final closing disclosure dated xx/xx/2021 reflects points-loan discount  fee at $73.80. This is an increase in fee of +$78.30 for charges that cannot increase. Valid COC for the increase in fee is available. However, COC is not getting tested due to loan failing TRID delivery and timing test.    
58107007 xx xx xx 0270b5a0-6846-4580-a03f-12f44a18d0d3 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 4: Unacceptable * Note is missing or unexecuted (Lvl 4) Note document with amount $xx is missing from the loan documents. Also lost note affidavit is missing from the loan documents.    
39013007 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
39013007 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows VOM or mortgage statement for verification of mortgage history was not documented at the time of closing.    
39013007 xx xx xx fbdf2672-bb78-4d47-8239-175dbfaf8564 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Credit Active 3: Curable * Final Application Incomplete (Lvl 3) Final application is not hand dated by borrower.    
47490619 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Per tape, income miscalculation on other REO may push DTI over xx%. Unable to rely on income document in file and unable to calculate ATR.    
47490619 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from the loan documents.    
47490619 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Missing initial application dated xx/xx/2021 signed by the loan originator.    
98634003 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The final 1003 as well as 1008 is missing in the loan file. However, the values are taken as note date and loan amount.    
98634003 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final Hud-1 along with itemization and estimated HUD are missing from the loan file.    
98634003 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non-QM QC Complete South Carolina $xx Valuation Property Active 4: Unacceptable * Property is Manufactured Housing (Lvl 4) Home has not been affixed. An appraisal report at time of origination is missing from the loan file. According to updated title report and tape data, the subject property type is Manufactured Home. The legal description of the subject mortgage does not reflect any VIN number and also the final title policy is missing. Tax certificate attached with the updated title report dated does not reflect separate assessment for land and building and the affidavit of affixation is not available in the loan file to determine whether the home is attached to the permanent foundation.    
98634003 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in South Carolina. The following required state disclosures are missing from the loan file.
1. Agent Preference Disclosure
2. Casualty Insurance Disclosure		    
98634003 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete South Carolina $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan file.    
98634003 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
98634003 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) The notice of servicing transfer disclosure is missing from the loan file.    
98634003 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
55864149 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An appraisal report at origination is missing from the loan file.    
55864149 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan documents.    
55864149 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003/application is missing from the loan documents.    
55864149 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
55864149 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in the Massachusetts. The following state disclosures are missing in the loan file:-
1. Carbon Monoxide Alarms.		    
55864149 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final truth in lending disclosure is missing from loan documents.    
55864149 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan documents.    
55864149 xx xx xx 0270b5a0-6846-4580-a03f-12f44a18d0d3 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Credit Doc Issue Active 3: Curable * Note is missing or unexecuted (Lvl 3) The original note document along with the lost note affidavit is missing from the loan documents. The loan was modified on xx/xx/2021 with the new maturity date of xx/xx/2052.    
55864149 xx xx xx e771f51b-ccfc-4035-9f6b-a3288820555c 561 561-3210 xx Non-QM QC Complete Massachusetts $xx Credit Doc Issue Active 3: Curable * Mortgage missing / unexecuted (Lvl 3) An executed copy of the mortgage document is available at xx; however, some pages of the mortgage are missing from the Pro-title report.    
63810788 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file.    
63810788 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
63810788 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
63810788 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete South Carolina $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An appraisal document is missing from the loan file.    
63810788 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
63810788 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Estimated HUD-1 or itemization of points and fees are also not available in the loan file.    
40745916 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Kansas $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) The final HUD-1 along with preliminary HUD-1, fee itemization and closing instructions are missing from the loan file.    
40745916 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Kansas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file    
40745916 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Kansas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
40745916 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Kansas $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An Appraisal report at origination is missing from the loan file.    
40745916 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Kansas $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan files.    
40745916 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Kansas $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan files.    
40745916 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Kansas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan files.    
13228581 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the disclosed APR high-cost threshold exception test. Although the recalculated APR does not exceed any "high-cost " APR thresholds, using the disclosed APR, as provided, the loan would fail the following "high-cost " APR threshold test(s): HOEPA High Cost Mortgage APR Threshold Test, SC HCCHLA High Cost Home Loan APR Threshold Test. As a result, this loan may not be acceptable to certain secondary market investors.    
13228581 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the loan files.    
13228581 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan files.    
13228581 xx xx xx 4338a740-1f15-426f-91b9-3d27e90910a7 561 561-3210 xx Non-QM QC Complete South Carolina $xx Credit Credit Active 3: Curable * Lost Note Affidavit (Lvl 3) Lost note affidavit dated xx/xx/2018 was found in the loan file located at xx as original note was misplaced, lost or destroyed. And duplicate copy / attested copy of note are available in the loan file.    
13228581 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report missing in the loan file    
13228581 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the disclosed APR high-cost threshold exception test. Although the recalculated APR does not exceed any "high-cost " APR thresholds, using the disclosed APR, as provided, the loan would fail the following "high-cost " APR threshold test(s): HOEPA High Cost Mortgage APR Threshold Test, SC HCCHLA High Cost Home Loan APR Threshold Test. As a result, this loan may not be acceptable to certain secondary market investors.    
13228581 xx xx xx 411fa7d7-c445-4fa7-9dc2-654417d64e3c 561 561-3210 xx Non-QM QC Complete South Carolina $xx Valuation Property Active 4: Unacceptable * Property is Mobile Home (Lvl 4) The subject property is a manufactured home. VIN# xx is available in updated title but no final title policy is available in the loan file to confirm ALTA-7 for manufactured home. The appraisal report at origination is showing that the subject property has been attached to the permanent foundation system and towing wheels and axles have been removed.    
13228581 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete South Carolina $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An appraisal report at origination is missing from the loan file.    
13228581 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
17821803 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows unable to source funds to close of $8,000.00 and missing pension income verification. Unable to rely on docs in file and unable to calc ATR.    
17821803 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $2,058.29 and the loan was underwritten by DU (locator#xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
17821803 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
13367627 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape shows BWR had an undisclosed mortgage at closing and may push DTI over xx%. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
13367627 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $xx and total expenses are in the amount of $2,214.19 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
13367627 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails compliance ease delivery and timing test initial loan estimate dated xx/xx/2021. Document tracker proving the delivery of initial loan estimate within 3 business days is missing from the loan documents.    
13367627 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test due to loan failed initial LE estimate delivery and timing test. Initial LE dated xx/xx/2021 delivered on xx/xx/2021 which is more than 3 business days from initial application date xx/xx/2021.    
31451006 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed Compliance Ease delivery and timing test for revised closing disclosure dated xx/xx/2021. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2021 which is after the Consummation date xx/xx/2021.    
31451006 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan approved at xx%. Seller tape shows borrower was not employed at the time of closing. Unable to rely on docs in file and unable to calc ATR.    
31451006 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflects transfer taxes fee at $48.00. However, cd dated xx/xx/2021 reflects transfer taxes fee at $111.00. This is an increase in fee of $63.00 for charges that cannot increase. Valid coc for the increase in fee is missing from the loan documents.    
92532058 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Missouri $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) Mortgage Insurance Certificate is missing from the loan file.    
92532058 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Missouri $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan does not meet investor’s requirements for non-borrowing spouse. No further details available.    
83033046 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 does not reflect rush fee. However, CD dated xx/xx/2021 reflects rush fee at $150.00. This is an increase in fee of $150.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
83033046 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date 12/xx/2021is more than 60 calendar days after the consummation date xx/xx/2021. Subject loan is a purchase, originated on 0xx/xx/2021 and the SOL is 1 year.    
83033046 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate Lock Agreement is missing from the loan file.    
83033046 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Alabama $xx Credit Guidelines Active 2: Acceptable with Warnings * Loan does not conform to program guidelines (Lvl 2) As per seller tape data Loan is uninsured - AL Housing determined a gap in insurance coverage was caused by insufficient coverage. PHM attempted to remedy with a new policy and insurer. This was unacceptable to AL housing.    
37628667 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Loan Failed Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $3,674.20 Fees threshold $3,529.92 over by +$144.28.
The below fees were included in the test:

Mortgage Broker Fee (Indirect) $2,677.50
Points - Loan Discount Fee paid by Borrower: $996.70.		    
37628667 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved/eligible at xx. Tape shows 2021 income declined xx% invalidating AUS in file. Further details not provided. Unable to rely on Documents in file & unable to calculate ATR.    
37628667 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflect Points - Loan Discount Fee at $2.00. However, CD dated xx/xx/2021 reflects Points - Loan Discount Fee at $996.70. This is an increase in fee of $994.70 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
37628667 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
37628667 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan Fails GSE (Fannie Mae public guidelines) QM Points and Fees Test due to Fees charged $3,674.20 Fees threshold $3,529.92 over By +$144.28.
The below fees were included in the test:

Mortgage Broker Fee (Indirect) $2,677.50
Points - Loan Discount Fee paid by Borrower: $996.70.		    
27960638 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $3,183.50 and the loan was underwritten by LP (locator# xx) and its recommendation is “Accept” with a DTI of xx%.    
27960638 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows BWR was not employed at closing resulting in a revised DTI of xx%. Unable to rely on docs in file and unable to calc ATR.    
27960638 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2020 reflects the sum of recording fee at $137.00 However, CD dated xx/xx/2020 reflects the Recording fee at $176.00. This is a cumulative increase of $39.00 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.    
63361724 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Montana $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
63361724 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Montana $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2021 delivered on xx/xx/2021 which is more than 3 business days from initial application date xx/xx/2021.    
63361724 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Montana $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan has failed Initial Loan Estimate Delivery Date Test (from application).
Initial LE dated xx/xx/2021 delivered on xx/xx/2021 which is more than 3 business days from initial application date xx/xx/2021.		    
52225960 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
52225960 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed initial LE estimate delivery and timing test. Initial LE dated xx/xx/2020 delivered on xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.    
52225960 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) The affiliated business disclosure is missing from the loan documents.    
52225960 xx xx xx fbdf2672-bb78-4d47-8239-175dbfaf8564 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * Final Application Incomplete (Lvl 3) Final application is hand signed and hand dated by borrower is missing from the loan documents.    
52225960 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Initial loan estimate is dated xx/xx/2020 and electronically signed on xx/xx/2020 which is greater than 3 days. Unable to determine delivery date due to missing document tracker. TRID is failing for timing of initial LE.    
44964607 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $4,595.37 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
44964607 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the Pennsylvania license validation test due to the Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November 5th, 2008.    
44964607 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan is conventional refinance. Seller tape shows loan was disclosed on standard format instead of alternate and due to this the UCD will not pass.The lender did not use the correct form of Cd for refinance transaction. They have used the format which usually used for purchase transaction.    
31273095 xx xx xx 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Compliance Testing (Lvl 2) Tape shows TILA-RESPA integrated disclosure TRID violation due to the revised LE and initial CD issued on the same date i.e. xx/xx/2021. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
31273095 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
31273095 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
14938614 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
14938614 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $3,896.00 and the loan was underwritten by DU (locator# xx) and its recommendation is Approve/Eligible with a DTI of xx%.    
14938614 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) 1. Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $10,357.52 exceeds fees threshold of $9,132.78 over by +$1,224.74.
The below fees were included in the test:
Mortgage Broker Fee (Indirect) $5,448.52
Points - Loan Discount Fee paid by Borrower: $3,854.00
Underwriting Fee paid by Borrower: $1,055.00

2. Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $10,357.52 exceeds Fees threshold of $9,132.78 over by + $1,224.74.
The below fees were included in the test:
Mortgage Broker Fee (Indirect) $5,448.52
Points - Loan Discount Fee paid by Borrower: $3,854.00
Underwriting Fee paid by Borrower: $1,055.00		    
14938614 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller defect shows borrower not employed. Unable to rely on documents in file and unable to calculate ATR.    
14938614 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from the loan documents.    
14938614 xx xx xx ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * LE/CD Issue date test Fail (Lvl 3) Loan failed ComplianceEase delivery and timing test due to Revised LE dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is after the Initial CD receipt date xx/xx/2020.    
88676612 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $xx and total expenses are in the amount of $3,011.97 and the loan was underwritten by AUS/DU (locator#xx) and its recommendation is “Approve/Eligible” with xx%.    
88676612 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
88676612 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflects Points - Loan Discount Fee at $2.00. However, CD dated xx/xx/2021 reflects  Points - Loan Discount Fee at $1,477.27. This is an increase in fee of $1,475.27 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
98396503 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows this loan failed the revised loan estimate delivery date test due to the revised loan estimate delivery date (xx/xx/2021) is same as the revised closing disclosure delivery date (xx/xx/2021).    
98396503 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
98396503 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure is missing from the loan documents.    
98396503 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow disclosure/escrow waiver is missing from the loan documents.    
40807811 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan Fails Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $18,593.00 Fees threshold $15,787.95 Over By +$2,805.05

The below fees were included in the test:

Funding, Wire, or Disbursement Fee paid by Borrower: $155.00
Points - Loan Discount Fee paid by Borrower: $17,098.00
Underwriting Fee paid by Borrower: $1,295.00
Wire Transfer Fee paid by Borrower: $45.00		    
40807811 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows additional undisclosed mortgage debts with Amerihome may push DTI to xx%. Unable to rely on docs in file and unable to calc ATR.    
40807811 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
40807811 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan Fails GSE (Fannie Mae public guidelines) QM Points and Fees Test due to Fees charged $18,593.00 Fees threshold $15,787.95 Over By +$32,805.05

The below fees were included in the test:

Funding, Wire, or Disbursement Fee paid by Borrower: $155.00
Points - Loan Discount Fee paid by Borrower: $17,098.00
Underwriting Fee paid by Borrower: $1,295.00
Wire Transfer Fee paid by Borrower: $45.00		    
40807811 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2020 reflects the sum of Section C fees and Recording fee at $500.00. However, final closing disclosure dated xx/xx/2020 reflects the sum of Section C and Recording fee at $2,149.00. This is a cumulative increase of $2,149.00 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.    
83551282 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved/eligible at xx%. Tape shows income not documented and undisclosed mortgage liabilities are not disclosed. DTI may be over xx%. Further details not available. Unable to rely on documents in file and unable to calculate ATR    
83551282 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
83551282 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot decrease test. Initial CD dated xx/xx/2020 reflects Non-specific lender credit at $4,779.00. However, Final CD dated xx/xx/2020 reflects Non-specific lender credit at $1,299.20. This is decrease of $3,479.80 for charges that cannot decrease. Valid COC for the decrease in NSLC is missing from the loan documents.    
11260930 xx xx xx 3e7649ea-d4a6-431b-bedf-93e8df994bff 561 561-3210 xx QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required Disclosures (Lvl 2) Home loan toolkit is missing from the loan documents.    
11260930 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM QC Complete Georgia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from the loan documents.    
11260930 xx xx xx 38b539f3-61c7-478e-954b-c415efe7a3f3 561 561-3210 xx QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Homeownership Counselling Disclosure is missing. (Lvl 2) Homeownership counseling disclosure is missing from loan documents.    
11260930 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
11260930 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure signed by borrower is missing from loan documents.    
11260930 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing flood cert (Lvl 2) Flood certificate is missing from the loan documents.    
11260930 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing or error on the Rate Lock Document (Lvl 2) Rate lock agreement is missing from the loan documents.    
11260930 xx xx xx 6d175d99-f2e3-4d75-80a0-682f8b85b1ea 561 561-3210 xx QM QC Complete Georgia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial truth in lending disclosure is missing from the loan documents.    
11260930 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business disclosure is missing from the loan documents    
11260930 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan documents.    
11260930 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx QM QC Complete Georgia $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final Hud1 is missing from the loan documents.    
11260930 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows the following pooled loan have been identified as re-performing. Our assessment indicates that these loans entered info forbearance on or after March 1,2020, and were bought out on or after July 1,2020. According to APM 20-07 published June 29, 2020, these loans are currently ineligible for collateral for Ginnie Mae securities backed by pool types other than C RG as long as the loans meet the requirements of APM 20-15.    
50559007 xx xx xx 249ccfc8-8061-4638-a74f-933a4ad40fc5 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Credit Legal Docs Active 3: Curable * Loan has escrow holdback. No proof it was released (Lvl 3) Appraisal report dated xx/xx/2021 is subject to Completion/Repairs due to improvements. Completion report 1004D is available at xx. Final CD shows Escrow holdback in the amount of $2,498.57. However, proof of escrow holdback release is missing from loan documents.    
50559007 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows the provided appraisal effective date (2021-xx-xx) is not within five days of the effective date (2021-xx-xx) on the appraisal submitted to UCDP.    
50559007 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Nebraska $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
62859360 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $4,749.55 exceeds Fees threshold of $4,555.32 Over by +$194.23. The below fees were included in the test:
Mortgage Broker Fee (Indirect) $3,927.55
Points - Loan Discount Fee paid by Borrower: $822.00.		    
62859360 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed FHA QM Safe Harbor Test threshold test due to APR calculated 3.859% exceeds APR threshold of 4.911% Variance by -1.052%. Subject loan is escrowed.    
62859360 xx xx xx cd78c3d6-5980-4171-a589-a92d6a853351 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Rebuttable Presumption - defined by loan findings (Lvl 3) Loan failed the FHA QM Rebuttable Presumption Test due to Fees Charged: $4,749.55 Fees Threshold : $4,555.32 Over by +$194.23. The following fees were included in the test:
Mortgage Broker Fee (Indirect) $3,927.55
Points - Loan Discount Fee paid by Borrower: $822.00.		    
62859360 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from loan documents.    
62859360 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Subject approved at xx%. Tape shows ZFHA invalid (reason not provided) and manual underwriting required. DTI xx% exceeds xx% tolerance for manual underwriting.    
16820379 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on final CD as $109,835.30. Calculated finance charge is $119,035.00 for an under disclosed amount of $9,199.70. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.

Loan failed TILA APR threshold test. APR disclosed 2.894% on final CD, APR Calculated 3.188%. Variance by -0.294%. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.		    
16820379 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows that as per FHLMC guide loans with LTV or TLTV with more than xx% must be owned in whole or in part or securitized by xx. Subject loan with LTV and CLTV of xx% exceeded Freddie Mac guidelines and are not eligible for sale to Freddie Mac.    
16820379 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Revised closing disclosure delivery date loan Fails CompalianceEase delivery and timing test for revised closing disclosure dated xx/xx/2021 & electronically signed on xx/xx/2021 which is less than 3 business days from the consummation date xx/xx/2021.    
16820379 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 does not reflect points - loan discount fee. However, final CD dated xx/xx/2021 reflects points - loan discount  fee at $1,127.27. This is an increase in fee of $1,121.27 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.

Total of payments disclosed on final CD as $ $335,524.21. Calculated total of payments  is $ 344,735.86 for an under disclosed amount of $ 9,211.65. Reason for total of payments under disclosure is unknown as the fee itemization is missing.		    
61291289 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Washington D.C. $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape shows undisclosed payment of $xx not included in DTI. DTI may push to xx%. Unable to rely on documents in file and unable to calculate ATR.    
61291289 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Washington D.C. $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of $xx% as the borrower’s income is $xx and total expenses are in the amount of $3,080.34 and the loan was underwritten by DU (locator#xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
61291289 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx QM-TRID QC Complete Washington D.C. $xx Compliance Compliance Active 3: Curable * ComplianceEase State Regulations Test Failed (Lvl 3) The loan failed the origination fee test due to the loan has an origination fee that is greater than 1% of the loan's principal.    
12342826 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID tolerance test is incomplete due to initial CD is missing from loan documents.    
12342826 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
12342826 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial closing disclosure is missing from the loan documents.    
12342826 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan is VA streamline refinance. Tape shows VA/GNMA refinance seasoning violation.    
12342826 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
70049195 xx xx xx 3e7649ea-d4a6-431b-bedf-93e8df994bff 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) VA loan summary sheet is missing from loan documents.    
70049195 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
70049195 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan violates VA seasoning period requirements.    
13096087 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA Foreclosure Rescission Finance charge disclosed on Final CD as $58,332.44. Calculated finance charge is $58,423.83 for an under disclosed amount of $91.39. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.    
13096087 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $3,564.00 exceeds fees threshold of $3,538.09 over by +$25.91.
The below fees were included in the test:
Administration Fee paid by Borrower: $899.00
Mortgage Broker Fee (Indirect) $2,400.00
Points - Loan Discount Fee paid by Borrower: $265.00.		    
13096087 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails qualified mortgage lending policy points and fees test due to fees charged $3,564.00 exceeds fees threshold of $3,538.09 over by +$25.91.
 The below fees were included in the test:
Administration Fee paid by Borrower: $899.00
Mortgage Broker Fee (Indirect) $2,400.00
Points - Loan Discount Fee paid by Borrower: $265.00.		    
13096087 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 4: Unacceptable * Loan does not conform to program guidelines (Lvl 4) Tape shows loan closed without an Appraisal. However, PIW is not allowed on Texas 50 A6 cash-out refinance. FMV disclosure in file.    
86359118 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows borrower FICO scores are 667, 679 and 699 and Lowest middle score is 679. However FICO score used at approval was 701. DTI approved at xx%.    
31872183 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Virginia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape shows an alert that the subject loan violated the VA net tangible benefit. No VA net tangible benefit listed.    
31872183 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer disclosure is missing from the loan file.    
79078243 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and the total expenses are in the amount of $3,138.86 and the loan was underwritten by AUS/DU (locator#xx) & its recommendation is “Approve/Eligible” and DTI is showing in it as xx%.    
79078243 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) 1. This loan failed the TILA finance charge test. The finance charge is $221,597.60. The disclosed finance charge of $201,227.04 is not considered accurate because it is understated by more than $100. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.

2. This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $221,597.60. The disclosed finance charge of $201,227.04 is not considered accurate for purposes of rescission because it is understated by more than $35. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.

3. This loan failed the TILA APR test. The annual percentage rate (APR) is 4.363%. The disclosed APR of 4.058% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.		    
79078243 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) FHA MI certificate is missing from the loan file.    
79078243 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer disclosure is missing from the loan file.    
79078243 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows the subject loan is uninsurable due to the appraisal not completed with corrected case number.    
79078243 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE risk indicator is "moderate" due to following factors:

1. This loan failed the TRID total of payments test. The total of payments is $520,503.06. The disclosed total of payments of $499,795.60 is not considered accurate because it is understated by more than $100.

2. This loan failed the TRID rescission total of payments test. The total of payments is $520,503.06. The disclosed total of payments of $499,795.60 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater.

3. This loan failed the revised closing disclosure delivery date test (waiting period required). The revised closing disclosure receipt date is provided and the revised closing disclosure receipt date (xx/xx/2021) is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date (xx/xx/2021).		    
39729782 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflect MERS fee. However, CD dated xx/xx/2021 reflects MERS fee at $24.95. This is an increase in fee of +$12.95 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
39729782 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows that as per FHLMC guide loans with LTV or TLTV with more than xx% must be owned in whole or in part or securitized by xx. Subject loan with LTV and CLTV of xx% exceeded Freddie Mac guidelines and are not eligible for sale to xx.    
39729782 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan contains an initial closing disclosure receipt date xx/xx/2021 that is on revised loan estimate delivery date xx/xx/2021.    
84918150 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows the loan closed with an appraisal waiver. However, subject loan not eligible for an appraisal waiver.    
84918150 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial closing disclosure is missing from loan file.    
84918150 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID tolerance test is incomplete due to initial closing disclosure is missing from loan documents.    
91717345 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) Mortgage insurance certificate is missing from loan documents.    
91717345 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan is uninsurable as ZFHA status came as Invalid and Manual U/W not allowed." DTI xx%    
8097413 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from loan documents.    
8097413 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) The home is affixed. Appraisal report located at (xx) shows subject property type as manufactured home. Mortgage document located at  (xx) does not show VIN# in legal description. Final title policy located at (xx) does not have attached ALT Endorsement attached with it. Manufactured home rider located (xx) attached with mortgage document shows VIN#xx, model as Pion and year as 2000. The document further shows that the home has been permanently affixed to the land.    
8097413 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Subject is a 20 yr old affixed doublewide in FL. Prior purchase xx/xx/21 for $xx and subject purchased for $xx xx/xx/21. Material increase in value not accounted for in appraisal. Subjects have more acreage and appear better off. Tape showed subject repurchased over flipping and request for second appraisal was not met. Elevated for client review.    
89292785 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows 30 DPD. Agency is no longer eligible.    
89292785 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) The net operating income is $xx and annual payments (Debt Service) are $24,822.60 and their debt service cover ratio (DSCR) is 0.16 which is less than 1.    
38336323 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx. Tape shows HOA fee was not included and may push DTI over xx%. Unable to rely on documents in file and unable to calculated ATR.    
38336323 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing form the given loan file.    
38336323 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2020 delivered on xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.

Loan failed charges that cannot decrease test. Revised CD dated xx/xx/2020 reflects Non-specific lender credit at $1,843.00. However, Final CD dated xx/xx/2020 reflects Non-specific lender credit at $1,839.12. This is decrease of $3.88 for charges that cannot decrease. Valid COC for the decrease in NSLC is missing from the loan documents.		    
38336323 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed ComplianceEase delivery and timing test for Closing Disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is after the Consummation date xx/xx/2020.    
38336323 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $3,772.22 and AUS report is missing from the loan documents.    
38336323 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Maryland $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal Report is missing from the loan documents.    
14445533 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Arizona $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home has been affixed to the permanent foundation.
According to the updated title report dated xx/xx/2022, the type of subject property is a manufactured home.
The legal description of the recorded mortgage does not have the VIN#.  However, the ALTA 7 Endorsement is attached to the final title policy. The manufactured home affixation document is located at “xx” which shows the subject property should be permanently affixed to the land with the serial/vin# xx.		    
14445533 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
14445533 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Property is in flood zone but flood insurance certificate is missing from the loan documents.    
14445533 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) VA guaranty certificate is missing from the loan documents.    
14445533 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan did not meet VA/GNMA refinance seasoning period requirements.    
91453930 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from loan documents    
91453930 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows FHA multiple loan violations. Further details not provided.    
91453930 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to due to APR calculated 4.798% exceeds APR threshold of 4.640% over by +0.158% HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.

Loan failed OK HOEPA Higher-Priced Mortgage Loan Test due to APR calculated 4.798% exceeds APR threshold of 4.640% over by +0.158% HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.		    
84318351 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
84318351 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows in VA IRRRL streamline refinance loans, there should WAITING period or GAP between of 210 days first payment date of existing mortgage which is getting paid off and between closing of our new subject loans. In this loan the waiting period is not satisfied.    
31384972 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Mississippi $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $2,226.41 and the loan was underwritten by LP (locator# xx) and its recommendation is “Accept” with a DTI of xx%.    
31384972 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Mississippi $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This Loan Failed Revised Closing Disclosure Delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate.    
31384972 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Mississippi $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from the loan documents.    
31384972 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Mississippi $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $90,533.96. Calculated finance charge is $98,147.88 for an under disclosed amount of $7,613.92. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.

Loan failed TILA APR Test threshold test due to APR calculated 3.606% exceeds APR threshold of 3.980% variance by -0.374%. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.		    
31384972 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Mississippi $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows that as per FHLMC guide loans with LTV or TLTV with more than xx% must be owned in whole or in part or securitized by Freddie Mac. Subject loan with LTV and CLTV of xx% exceeded Freddie Mac guidelines and are not eligible for sale to Freddie Mac.    
31384972 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Mississippi $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflects Appraisal fee at $500.00. However, CD dated xx/xx/2021 reflects Appraisal fee at $716.00. This is an increase in fee of $216.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.

Loan fails TRID Total of Payments test due to Fees charged $255,133.52 exceeds Fees threshold of $262,772.39 Variance by  -$7,638.87.		    
70610080 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan closed with xx% LTV/CLTV. Seller tape shows exceeds the maximum of xx% LTV/CLTV for primary residence properties when project type is Q (Limited Review Established Project).    
70610080 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $ $6,983.59 Exceeds fees threshold of $ $6,485.25 Over by +$ +$498.34.
The below fees were included in the test:
Mortgage Broker Fee (Indirect) $4,693.59
Points - Loan Discount Fee paid by Borrower: $2,290.00		    
70610080 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails qualified mortgage lending policy points and fees test due to fees charged $6,983.59 Exceeds fees threshold of $6,485.25Over by +$498.34. The below fees were included in the test:

Mortgage Broker Fee (Indirect) $4,693.59
Points - Loan Discount Fee paid by Borrower: $2,290.00		    
75557929 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows income used to qualify is not stable due to multiple layoffs and declining income. Unable rely on docs in file and unable to calculate ATR.    
75557929 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $1,363.83 and the loan was underwritten by LP (locator# xx) and its recommendation is “Accept” with a DTI of xx%.    
12635608 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Subject loan is conventional purchase. Tape shows HPML DV issue. Note, signing and funding happened too soon. No further details available. CE results show this loan failed the revised loan estimate delivery date test (prior to consummation) due to revised LE dated xx/xx/2021 electronically signed on xx/xx/2021 (delivery date) which is less than four business days before the consummation date xx/xx/2021. Elevated for client review.    
12635608 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is  $xx and total expenses are in the amount of $2,731.93 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
20964341 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows aged of agency eligibility 6+ months from the first payment date. No further details available.    
20964341 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Final transmittal summary with P&I $xx is missing from the loan documents.    
20964341 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
58868364 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer disclosure is missing from the loan file.    
36354582 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s and co-borrower’s income is $xx and total expenses are in the amount of $2,979.62 and the loan was underwritten by LP (locator# xx) and its recommendation is accept/eligible with a DTI of xx%.    
88331467 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s and co-borrower's income is $xx and total expenses are in the amount of $3,402.33 and the loan was underwritten by AUS (locator#xx) and its recommendation is approve/eligible for a DTI of xx%.    
88331467 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.    
88331467 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
96139638 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) This loan failed the initial closing disclosure delivery date test due to initial closing disclosure receipt date is provided xx/xx/2020 which is less than three business days from the consummation date xx/xx/2020.    
96139638 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
85162812 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.    
85162812 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
42617791 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) Operating income statement is missing from the loan documents. PITI is $xx. Lease agreements not in file but conservative approach that DSCR would be reasonable given the PITI.    
47727744 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Final transmittal summary is missing from the loan documents.    
47727744 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan failed ComplianceEase delivery and timing test for initial CD dated xx/xx/2021. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2021 which is less than 3 business days from the consummation date xx/xx/2021.    
47727744 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Washington $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan documents.    
47727744 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Proof of hazard insurance is missing from the loan documents.    
47727744 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
86280587 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Final transmittal summary is missing from the loan documents    
86280587 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
86280587 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 reflects Points - Loan Discount Fee at $2,459.00. However, Post CD dated xx/xx/2021 reflects Points - Loan Discount Fee at $3,800.34. This is an increase in fee of $1,341.34 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
86280587 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is  $xx and total expenses are in the amount of $2,811.30 and the loan was underwritten by LP (locator# xx) and its recommendation is “Caution” with a DTI of xx%.    
46532687 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
97658273 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Oklahoma $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
98330995 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan fails compliance ease delivery and timing test initial loan estimate dated xx/xx/2020. Document tracker proving the delivery of initial loan estimate within 3 business days is missing from the loan documents.

Loan failed charges that cannot increase 0% tolerance test and due to loan failed initial LE estimate delivery and timing test. Initial LE dated xx/xx/2020 delivered on xx/xx/2021 which is more than 3 business days from initial application date xx/xx/2020.		    
98330995 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the TRID initial loan estimate date and initial closing disclosure date validation test due to this loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt date was not provided) that is on or before any loan estimate delivery date. Please review the loan data to ensure the dates are in the correct
fields.		    
98330995 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
98330995 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
48063966 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
48063966 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID violation due to decrease in lender credit on closing disclosure dated 01/xx/20. Initial LE dated xx/xx/2019 reflects lender credit at $250.00, however, revised CD dated xx/xx/2020 reflects lender credit at $0.00. This is decrease of $250.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan document.    
42997139 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Post consummation CD dated xx/xx/2020 reflects refund in the amount of $50.00 by check #xx. However, copy of check is missing in the loan documents.    
42997139 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/2020. Initial CD dated xx/xx/2020 reflects lender credit at $585.00, however, revised CD dated xx/xx/2020 reflects lender credit at $0.00. This is decrease of $585.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan document.    
42997139 xx xx xx b6f9224b-e74e-4cf1-a738-238dffa5df75 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Other Disclosures Active 3: Curable * VA Disclosures (Lvl 3) VA loan guaranty is missing from the loan documents.    
16224043 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) VA Guaranty certificate is missing from the loan documents.    
16224043 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Market Conditions Addendum is missing from the loan documents.    
1485132 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2021 and doc tracker is missing 3 business days were add to get receipt date xx/xx/2021 which is more than 3 business days from initial application date xx/xx/2021.    
1485132 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan Fails Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $20,434.00 Fees threshold $17,819.44 Over By +$2,523.56.

The below fees were included in the test:

Administration Fee paid by Borrower: $895.00
Mortgage Broker Fee (Indirect) $15,000.00
Points - Loan Discount Fee paid by Borrower: $4,374.00
Tax Service Fee paid by Borrower: $74.00		    
1485132 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
1485132 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The borrower's intent to proceed is missing in loan file.    
1485132 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan Fails GSE (Fannie Mae public guidelines) QM Points and Fees Test due to Fees charged $20,434.00 Fees threshold $17,819.44 Over By +$2,523.56


The below fees were included in the test:

Administration Fee paid by Borrower: $895.00
Mortgage Broker Fee (Indirect) $15,000.00
Points - Loan Discount Fee paid by Borrower: $4,374.00
Tax Service Fee paid by Borrower: $74.00		    
1485132 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Virginia $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) Loan fails compliance ease delivery and timing test for initial closing disclosure dated xx/xx/2021. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2021 which is more than 3 business days from the consummation date xx/xx/2021.


Initial loan estimate delivery date test failed due to initial LE dated xx/xx/2021. doc tracker is missing and 3 business days were add to get receipt date xx/xx/2021 which is more than 3 business days from the initial application date xx/xx/2021.		    
11090907 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed compliance ease delivery and timing test for revised closing disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is after the consummation date xx/xx/2020.    
11090907 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the Veterans Affairs IRRRL unpaid principal balance validation test due to this loan contains a value for one, but not both of the following fields. The loan is a VA interest rate reduction refinance loan (IRRRL), but the unpaid principal balance was not provided. The unpaid principal balance is necessary to correctly calculate the 1% loan origination fee threshold for VA IRRRL loans.    
11090907 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
11090907 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard insurance policy is missing from the loan documents.    
50272642 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal summary is missing from the loan documents.    
28020225 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Final CD reflects closing date as xx/xx/2020. Notary's signature date on the Deed of Trust is xx/xx/2020. Note date is xx/xx/2020.    
28020225 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
28020225 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $9,085.00 exceeds fees threshold of $8,455.99 over by +$629.01.
The below fees were included in the test:
Loan Origination Fee paid by Borrower: $6,470.00
Points - Loan Discount Fee paid by Borrower: $730.00
Processing Fee paid by Borrower: $895.00
Underwriting Fee paid by Borrower: $990.00		    
28020225 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $9,085.00 exceeds fees threshold of $8,455.99 over by +$629.01.
The below fees were included in the test:
Loan Origination Fee paid by Borrower: $6,470.00
Points - Loan Discount Fee paid by Borrower: $730.00
Processing Fee paid by Borrower: $895.00
Underwriting Fee paid by Borrower: $990.00		    
31499086 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2021. Notary's signature date on the Deed of Trust is xx/xx/2021. Note date is xx/xx/2021.    
31499086 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
31499086 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) Compliance TRID tolerance test is incomplete due to initial CD is missing from the loan documents.    
31499086 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is  $xx and total expenses are in the amount of $7,825.43 and the loan was underwritten by DU (locator# xx) and its recommendation is Approve/Eligible with a DTI of xx%.    
764768 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Doc Issues Active 3: Curable * Settlement date is different from note date (Lvl 3) Final CD reflects closing date as xx/xx/2019.  Notary's signature date on the Mortgage is xx/xx/2019.  Note date is xx/xx/2019.    
41241526 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The borrower's Intent to proceed is missing in loan file.    
41241526 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows proof of appraisal document delivery was missing in the loan documents. Borrower was not sent a copy of the appraisal prior to closing.    
41241526 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
41241526 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $1,539.15 and the loan was underwritten by DU (locator#xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
41241526 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Michigan $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Settlement Services Provider List is missing from the loan documents.    
31466126 xx xx xx 84077b65-a48a-4839-b08b-eb476a45b7b7 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Underwriting Active 3: Curable * The final 1008 is missing (Lvl 3) Final transmittal summary is missing from the loan documents.    
31466126 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve/eligible at xx%. Tape shows missing 2 yrs tax returns for SE BWR and DTI may rise to xx%. Unable to rely on docs in file and unable to calc ATR.    
45018009 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial closing disclosure is missing from the loan documents.    
45018009 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID tolerance test is incomplete due to missing of initial closing disclosure from the loan documents.    
45018009 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete New York $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS-DU/LP report is missing from the loan documents.    
45018009 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan is non-salable but details pertaining to non-salability of the loan is not available. Mortgage has clean history and current FICO score is 644.    
45018009 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal summary is missing from the loan documents.    
45018009 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
45018009 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard insurance is missing from the loan documents.    
45018009 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s  and co-borrower’s income is $xx and total expenses are in the amount of $2,800.35. AUS report is missing from the loan documents.    
7575199 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows unable to reverify employer and income. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
7575199 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock provided expired on xx/xx/2021 and the loan closed on xx/xx/2021. No lock extension found.    
39853312 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx NON-QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The required affiliated business disclosure is missing from the loan file.    
39853312 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx NON-QM QC Complete Illinois $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) The loan was originated on xx/xx/2008. As per HUD-1 located at “xx” the date of settlement and disbursement is xx/xx/2007. However, the signed date was xx/xx/2008.    
39853312 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx NON-QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in Illinois. The following required state disclosures are missing from the loan file.
1. IL Collateral Protection Insurance Notice
2. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
18699465 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing proof of hazard insurance (Lvl 2) Hazard insurance is missing from the loan file.    
18699465 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is NOO. Tape shows loan was repurchased due to unable to use rental income. Borrower entered into a FB agreement (Arrearage $xx and is behind several mortgage payment.    
37495057 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s and co-borrower’s  income is $xx and total expenses are in the amount of $1,694.89 and the loan was underwritten by LP (locator# xx) and its recommendation is accept/eligible for a DTI of xx%.    
37495057 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows SE BWR missing 2 yrs tax returns in order to qualify. Unable to rely on documents in file and unable to calculate ATR.    
37495057 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID violation due to decrease in lender credit on post closing disclosure dated xx/xx/2021. Initial closing disclosure dated xx/xx/2021 reflects appraisal fee which is paid by lender at $325.00. However, post closing disclosure dated xx/xx/2021 does not reflects appraisal fee which is paid by lender. this is decrease of +$275.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.    
67347796 xx xx xx fbdf2672-bb78-4d47-8239-175dbfaf8564 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Credit Active 2: Acceptable with Warnings * Final Application Incomplete (Lvl 2) Final application hand dated by borrower is missing from the loan documents.    
67347796 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan was repurchased and unable to obtain FHA insurance. At present borrower's FICO is 620.    
67347796 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $2,193.15 and the loan was underwritten by AUS/DU(locator# xx) and its recommendation is “Approve/Eligible” with xx%.    
67347796 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
67347796 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 does not reflect Condo Questionnaire. However, CD dated xx/xx/2021 reflects Condo Questionnaire at $200.00. This is an increase in fee of $200.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
67347796 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application signed by the loan originator is missing from the loan documents.    
67347796 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from the loan documents.    
986319 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Tape shows BWR misrepresentation as was not employed at closing. Unable to determine DTI and this is considered misrepresentation.    
986319 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $2,044.23 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with xx%.    
986319 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $9,387.50 Exceeds Fees threshold of $7,400.63 Over By +$1,986.87
The below fees were included in the test:
Mortgage Broker Fee (Indirect) $6,875.00
Points - Loan Discount Fee paid by Borrower: $2,512.50		    
986319 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial closing disclosure is missing from the loan file.    
986319 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID tolerance test is incomplete due to Initial CD is missing from loan documents.    
986319 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails Qualified Mortgage Lending Policy Points and Fees Test due to Fees charged $3,620.37 Exceeds Fees threshold of $3,388.49 Over By +$231.88
The below fees were included in the test:
Mortgage Broker Fee (Indirect) $6,875.00
Points - Loan Discount Fee paid by Borrower: $2,512.50		    
986319 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) A copy of affiliated business disclosure is missing from the loan file.    
79633818 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Oklahoma $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrowers.    
79633818 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Oklahoma $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
50537135 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in the Georgia State. The following state disclosures are missing in the loan file;
1. Waiver of Borrowers Rights and Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2. Disclosure of Additional Fees.		    
50537135 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan has failed TILA Finance Charge Test and TILA Foreclosure Rescission Finance Charge Test.

The disclosed finance charge is $110,167.74 and allowed is $110,273.15 however it is undercharge by $105.41.		    
50537135 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
50537135 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan documents.    
50537135 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 Application is missing from the loan documents.    
50537135 xx xx xx 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Good Faith Estimate missing or unexecuted (Lvl 2) Final Good Faith Estimate is missing from loan documents.    
50537135 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan document.    
29953787 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file. However, values are updated from credit application located at (xx).    
29953787 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan documents.    
29953787 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) 1. This loan failed the TILA finance charge test. The finance charge is $157,466.22. The disclosed finance charge of $157,362.56 is not considered accurate because it is understated by more than $100.

2. This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $157,466.22. The disclosed finance charge of $157,362.56 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
29953787 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An appraisal report at origination is missing from the loan file.    
29953787 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing Transfer disclosure is missing from the loan documents.    
79443811 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in the Virginia. The following state disclosures are missing in the loan file;
1) VA Application Disclosure
2) Choice of Settlement Agent Disclosure
3) Copy of Appraisal or Statement of Appraised Value.		    
79443811 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan documents.    
79443811 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing Transfer disclosure is missing from the loan documents.    
79443811 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file. However, values are updated from credit application located at xx..    
28068978 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in the Georgia. The following state disclosures are missing in the loan file;
1. Waiver of Borrowers Rights and Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2. Disclosure of Additional Fees.		    
28068978 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 Application is missing from the loan documents.    
28068978 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan document.    
28068978 xx xx xx aa5d08d8-c45c-44bd-90e9-756b8134eb6c 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Prepayment Rider Missing (Lvl 2) The prepayment rider is missing from the loan documents.    
28068978 xx xx xx 947c9bc1-4551-4c18-8ba6-065e2ae0e805 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Note has LIBOR Index with Replacement Clause (Lvl 2) Note states if the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information.  The Note holder will give notice of this choice.    
20920161 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan documents.    
20920161 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
20920161 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan document.    
20920161 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in the New York. The following state disclosures are missing in the loan file;
1. NY Consumer Credit Disclosure / Fair Credit Reporting Notice
2. NY Interest Rate Disclosure
3. NY Hazard Insurance  Disclosure
4. Tax Escrow Account Designation
5. Mortgage Bankers and Exempt Organizations Pre-application
6. Part 80 Disclosure
7. Co-Signer Notice Requirements
8. Default Warning Notice
9. Smoke Alarm Affidavit
10. New York Real Property Escrow Account Disclosure
11. Commitment Disclosure		    
20920161 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file. However, values are Updated from credit Application located at xx..    
45129875 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Illinois $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
45129875 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from loan documents.    
45129875 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Illinois $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from loan documents.    
45129875 xx xx xx a0d5a3be-496f-41d6-a958-ce4e3ccae8fe 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Unable to determine the operative index value from unavailable loan documents.    
38252491 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer is missing from the loan file.    
38252491 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in the loan file.    
38252491 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application is missing from the loan file.    
38252491 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) ComplianceEase TILA failed due to the
Loan data : $161,215.48 Comparison data" $161,277.36 Variance: -$961.88		    
38252491 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
76945847 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx Non-QM QC Complete Iowa $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) The loan failed the prohibited fees test. Iowa loans may fall into more than one loan category at the same time. A fee is allowed if authorized by one or more statutes that apply. Otherwise fees are prohibited: If the loan is a Consumer Loan (Iowa Code §537.1301(15)) it may charge an "additional charge". (Iowa Code §537.2501 and §537.2507).If the loan is a Home Acquisition Loan (Iowa Code §535.8(1)) the lender may collect fees as allowed by statute. (Iowa Code §535.8(4), Gardin v. Long Beach Mortgage Co. 661 N.W.d2 193)If the loan is a Home Equity Line of Credit (Iowa Code §535.10(1)) the lender may collect fees as allowed by statute. (Iowa Code §535.10(3); §535.8(4), and Gardin v. Long Beach Mortgage Co. 661 N.W.d2 193)    
76945847 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Iowa $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in the loan file.    
76945847 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Iowa $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from loan documents.    
76945847 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Iowa $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance ease risk indicator is moderate due to Prohibited Fees Test.    
23029658 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Kansas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA right of rescission test.    
23029658 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Kansas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in the loan file.    
23029658 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Kansas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test.
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 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
23029658 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Kansas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application is missing from the loan files.    
62738572 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in the loan file.    
62738572 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application document missing in this loan file.    
62738572 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the interest rate test. The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located.    
62738572 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) 1. This loan failed the TILA finance charge test. The finance charge is $72,697.41. The disclosed finance charge of $72,562.00 is not considered accurate because it is understated by more than $100.

2. This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $72,697.41. The disclosed finance charge of $72,562.00 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
95759081 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
95759081 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from loan documents.    
47881881 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete New Mexico $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
47881881 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete New Mexico $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Loan application (1003) is missing from the loan file.    
67014816 xx xx xx aa5d08d8-c45c-44bd-90e9-756b8134eb6c 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Prepayment Rider Missing (Lvl 2) Prepayment rider is missing from the loan files.    
67014816 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan document.    
67014816 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The Final 1003 application is missing in the loan file; however the values are taken from note and loan documents.    
67014816 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
19736694 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from loan files.    
19736694 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
19736694 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete California $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal document is missing from loan files.    
19736694 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not handdated by borrower    
35770650 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
35770650 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete North Carolina $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal is missing from the loan files.    
35770650 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application is missing from the loan files.    
35770650 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
35770650 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing flood cert (Lvl 2) Flood cert is missing from the loan file.    
56464903 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete West Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
56464903 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete West Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The ComplianceEase risk indicator is "Moderate", due to
 Late Fees Test:		    
56464903 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx Non-QM QC Complete West Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) 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.
The loan data is $41.60 and comparison data is $15.00; hence, the variance is +$26.60.		    
73996350 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
73996350 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The final 1003 (application) is missing from the loan file.    
73996350 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from loan files.    
73996350 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) As per review ROR is not hand dated by borrower.    
99840886 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 Application is missing from the loan documents.    
99840886 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
99840886 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non-QM QC Complete North Carolina $xx Valuation Property Active 4: Unacceptable * Property is Manufactured Housing (Lvl 4) Home has not been affixed.  As per appraisal report located at xx, the subject property type is Manufactured house. However, the Affidavit of Affixation is not available in the loan file. The Alta-7 endorsement for manufactured home does not attached with the short form title policy. Also, the VIN# is not available in the legal description of the recorded mortgage. Hence, it is unable to determine whether the home has been attached to the permanent foundation.    
84483802 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Alabama $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing from the loan file    
84483802 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document missing in this loan file.    
84483802 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Alabama $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application document is missing from the loan file.    
84483802 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form missing in this loan file.    
12547533 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing from the loan file    
12547533 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application document missing this loan file.    
12547533 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission missing or unexecuted.    
19633799 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan document.    
19633799 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit file is missing in loan file.    
19633799 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file. However, values are updated from credit application located at xx.    
19633799 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in the GA. The following state disclosures are missing in the loan file;
1. Waiver of Borrowers Rights and Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2. Disclosure of Additional Fees		    
19633799 xx xx xx 411fa7d7-c445-4fa7-9dc2-654417d64e3c 561 561-3210 xx Non-QM QC Complete Georgia $xx Valuation Property Active 4: Unacceptable * Property is Mobile Home (Lvl 4) Home is not affixed. As per the updated title report, the property is mobile home.
However, the Affidavit of Affixation is not available in the loan file. The ALTA 7 Endorsement is not attached with the final title policy. Also, the VIN# is not available in the legal description of the recorded mortgage. The tax certificate attached with the updated title shows separate assessment for land and improvements.		    
19633799 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan documents.    
21083609 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing in loan file.    
21083609 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing proof of hazard insurance (Lvl 2) Hazard insurance certificate at the time of origination is missing from loan file.    
21083609 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from loan documents.    
21083609 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non-QM QC Complete Virginia $xx Valuation Property Active 4: Unacceptable * Property is Manufactured Housing (Lvl 4) Home has not been affixed. As per appraisal report, the subject property type is Manufactured home. However, the Affidavit of Affixation is not available in the loan file. The Alta-7 endorsement for manufactured home does not attached with the short form title policy. Also, the VIN# is not available in the legal description of the recorded mortgage. Hence, it is unable to determine whether the home has been attached to the permanent foundation."    
26624423 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application is missing from the loan files.    
26624423 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing in loan file.    
26624423 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
32233248 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR not hand dated by borrower.    
32233248 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing in loan file.    
32233248 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application document is missing from loan file.    
3642373 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan document.    
3642373 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing in loan file.    
3642373 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file. However, values are updated from credit application located at xx.    
83024595 xx xx xx a0d5a3be-496f-41d6-a958-ce4e3ccae8fe 561 561-3210 xx Non-QM QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Unable to determine operative index value from available loan document.    
83024595 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan document.    
83024595 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Tennessee $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing in loan file.    
83024595 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Tennessee $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file. However, values are Updated from credit Application.    
83024595 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The Compliance Ease Risk indicator is "moderate” due to TILA Right of Rescission Test:-Fail    
83024595 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA Right of Rescission Test:-Fail
This loan failed the TILA right of rescission test.
Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) ,
transferred from 12 CFR §226.15(a)(3) )
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 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
83024595 xx xx xx 947c9bc1-4551-4c18-8ba6-065e2ae0e805 561 561-3210 xx Non-QM QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * Note has LIBOR Index with Replacement Clause (Lvl 2) Note states, If the Index is no longer available, the Note Holder will choose a new index that is based upon comparable information.  The Note holder will give notice of this choice.    
16578683 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application is missing from the loan files.    
16578683 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing in loan file.    
16578683 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
63239723 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right of Rescission is missing from the loan documents.    
63239723 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing proof of hazard insurance (Lvl 2) Hazard insurance is missing from the loan documents.    
63239723 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete North Carolina $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from the loan documents.    
63239723 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
63239723 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final Application is missing from the loan documents.    
63239723 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with preliminary HUD-1 & fee itemization are missing from the loan file.    
73937912 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan document.    
73937912 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
73937912 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 Application is missing from the loan documents.    
47870610 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Tennessee $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
47870610 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Tennessee $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing in loan file.    
47870610 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Tennessee $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application is missing from the loan files.    
47870610 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Tennessee $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan files.    
70422373 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
70422373 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan files.    
70422373 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application is missing from the loan files.    
70422373 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business document is missing from the loan files.    
70422373 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
10539420 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) The affiliated business disclosure is missing from loan file.    
10539420 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Michigan $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The final loan application is missing from loan file docs.    
10539420 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test.
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 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
10539420 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Michigan $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
10539420 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA right of rescission test.    
85106632 xx xx xx 7efbe0ea-64cc-40ba-8e1d-bfe81b22bfa4 561 561-3210 xx Non-QM QC Complete Connecticut $xx Credit Doc Issue Active 2: Acceptable with Warnings * Mortgage Riders incomplete / inaccurate (Lvl 2) Mortgage riders is incomplete due to the prepayment rider is missing from the loan documents.    
85106632 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Connecticut $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing Transfer disclosure is missing from the loan documents.    
85106632 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Connecticut $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
85106632 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Connecticut $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The Final 1003 application is missing in the loan file; however the values are taken from note and loan documents.    
85106632 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Connecticut $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The Compliance Ease Risk indicator is "moderate” due to
TILA Right of Rescission Test: FAIL
CT License Validation Test: FAIL		    
85106632 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Connecticut $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test.
Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) ,
transferred from 12 CFR §226.15(a)(3) )
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 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
85106632 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx Non-QM QC Complete Connecticut $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Connecticut license validation test. (CT HB 5577 Section 39(b))
First mortgage lender licenses and secondary mortgage lender licenses in existence on June 30th, 2008 shall be deemed on and
after July 1st, 2008, to be a mortgage lender license.
As of July 1, 2008 the Connecticut First Mortgage Lender License and the Connecticut Second Mortgage Lender License are no
longer valid. The Connecticut Mortgage Lender License is available for loans with a closing date before July 1st, 2008.		    
85106632 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Connecticut $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An appraisal report at origination is missing from the loan file.    
85106632 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Connecticut $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) This loan failed the Connecticut license validation test. (CT HB 5577 Section 39(b))
First mortgage lender licenses and secondary mortgage lender licenses in existence on June 30th, 2008 shall be deemed on and
after July 1st, 2008, to be a mortgage lender license.
As of July 1, 2008 the Connecticut First Mortgage Lender License and the Connecticut Second Mortgage Lender License are no
longer valid. The Connecticut Mortgage Lender License is available for loans with a closing date before July 1st, 2008.		    
85106632 xx xx xx aa5d08d8-c45c-44bd-90e9-756b8134eb6c 561 561-3210 xx Non-QM QC Complete Connecticut $xx Credit Doc Issue Active 2: Acceptable with Warnings * Prepayment Rider Missing (Lvl 2) The prepayment rider is missing from the loan documents.    
85106632 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Connecticut $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan document.    
85106632 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Connecticut $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan documents.    
70271275 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan documents.    
70271275 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in the Georgia State. The following state disclosures are missing in the loan file;
1. Waiver of Borrowers Rights and Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2. Disclosure of Additional Fees		    
70271275 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non-QM QC Complete Georgia $xx Valuation Property Active 4: Unacceptable * Property is Manufactured Housing (Lvl 4) Home is not affixed. As per Appraisal Report located at “xx” the subject property is a manufactured home. The ALTA 7 Endorsement is not attached with the Final Title Policy. The legal description attached with the subject mortgage does not show VIN/Serial Number. The affidavit of affixation is not available with UT located at xx which states that the manufactured home with no affixed to the permanent foundation.    
70271275 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file. However, values are Updated from credit Application located at xx..    
70271275 xx xx xx 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Good Faith Estimate missing or unexecuted (Lvl 2) Final Good Faith Estimate is missing from loan documents.    
70271275 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
70271275 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan document.    
70271275 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing Transfer disclosure is missing from the loan documents.    
1775124 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file.    
1775124 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report missing from the loan file    
1775124 xx xx xx aa5d08d8-c45c-44bd-90e9-756b8134eb6c 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Prepayment Rider Missing (Lvl 2) Prepayment rider is missing from the loan file.    
56656358 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.
The loan data is $32,947.04 and comparison data is $32,947.04; hence, the variance is -$546.10.
The finance charge is $33,493.14. The disclosed finance charge of $32,947.04 is not considered accurate for purposes of rescission because it is understated by more than $35.

This loan failed the TILA finance charge test.
The loan data is $32,947.04 and comparison data is $32,947.04; hence, the variance is -$546.10.
The finance charge is $33,493.14. The disclosed finance charge of $32,947.04 is not considered accurate because it is understated by more than $100.

This loan failed the TILA APR test.
The loan data is 11.140% and comparison data is 11.467%; hence, the variance is -0.327%.
The annual percentage rate (APR) is 11.467%. The disclosed APR of 11.140% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
56656358 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx Non-QM QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing proof of hazard insurance (Lvl 2) Hazard Insurance Policy Document is missing from the loan Document.    
56656358 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx Non-QM QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing flood cert (Lvl 2) Flood Certification document is missing from the loan documents.    
56656358 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The Compliance Ease Risk indicator is moderate due to below reasons:-

 TILA finance charge test

TILA foreclosure rescission finance charge test

 TILA right of rescission test.		    
56656358 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from the loan file    
56656358 xx xx xx 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Good Faith Estimate missing or unexecuted (Lvl 2) Final Good Faith Estimate is missing from loan documents.    
56656358 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan document.    
56656358 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 Application is missing from the loan documents.    
64566385 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Kentucky $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. The finance charge is $37,374.67. The disclosed finance charge of $37,261.41 is not considered accurate because it is understated by more than $100.    
64566385 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Kentucky $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from the loan file    
64566385 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Kentucky $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test. The finance charge is $37,374.67. The disclosed finance charge of $37,261.41 is not considered accurate because it is understated by more than $100.    
64566385 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Kentucky $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from loan documents.    
9615067 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete California $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An appraisal at the origination is missing from the loan file.    
9615067 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file    
9615067 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test.
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 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
9615067 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer disclosure is missing from loan files.    
9615067 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from loan files.    
9615067 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The final 1003 (application) is missing from the loan file.    
9615067 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA right of rescission test.    
9615067 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from loan files.    
86449216 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Michigan $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application document is missing from loan files.    
2477324 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA Foreclosure Rescission Finance Charge Test:-Fail
Total fee charged is $185,664.06 and allowed is $185,706.03; however it is over by -$41.97.
This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR
§226.23(h) )
The finance charge is $185,706.03. The disclosed finance charge of $185,664.06 is not considered accurate for purposes of
rescission because it is understated by more than $35.
TILA Right of Rescission Test:-Fail
This loan failed the TILA right of rescission test.
Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) ,
transferred from 12 CFR §226.15(a)(3) )
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 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
2477324 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Michigan $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file. However, values are Updated from credit Application.    
2477324 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The Compliance Ease Risk indicator is "moderate” due to
TILA Foreclosure Rescission Finance Charge Test:-Fail
TILA Right of Rescission Test:-Fail		    
2477324 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Michigan $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing from the loan file    
2477324 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan document.    
1805594 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from loan files.    
1805594 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing from the loan file    
1805594 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Virginia $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal document is missing from loan files.    
43919369 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete New Mexico $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application is missing from loan file.    
43919369 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete New Mexico $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file    
43919369 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx Non-QM QC Complete New Mexico $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing flood cert (Lvl 2) Flood certificate is missing from loan file.    
7076731 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Ohio $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An Appraisal report at origination is missing from the loan file.    
7076731 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report missing from the loan file    
7076731 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
7076731 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
7076731 xx xx xx 41dab201-a6d6-49a8-bb14-875feec35065 561 561-3210 xx Non-QM QC Complete Ohio $xx Credit Mtg Insurance Active 2: Acceptable with Warnings * Mortgage Insurance Certificate missing (Lvl 2) Mortgage insurance certificate is missing from the loan file.    
63832188 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Kentucky $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan failed the TILA finance charge test. The finance charge is $75,046.64. The disclosed finance charge of $74,919.36 is not considered accurate because it is understated by more than $100.    
63832188 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Kentucky $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final Application is missing from loan documents.    
63832188 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Kentucky $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file    
63832188 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Kentucky $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. The finance charge is $75,046.64. The disclosed finance charge of $74,919.36 is not considered accurate because it is understated by more than $100.    
63832188 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Kentucky $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report is missing from loan documents.    
5278943 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file.    
5278943 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
5278943 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing from the loan file    
21919286 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) “TILA Finance Charge Test: FAIL Loan Data: $292,551.90, Comparison Data: $292,697.19, Variance: -$145.29” and “TILA Foreclosure Rescission Finance Charge Test: FAIL Loan Data: $292,551.90, Comparison Data: $292,697.19, Variance: -$145.29”    
21919286 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file    
21919286 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file.    
21919286 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrowers    
31853251 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) As per loan file, final application is missing.    
31853251 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx Non-QM QC Complete New York $xx Credit Underwriting Active 2: Acceptable with Warnings * Transmittal (1008) is Missing (Lvl 2) 1008 is missing from the loan file.    
31853251 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR not hand dated by borrower.    
31853251 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing from the loan file    
64736759 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in Florida. The following state disclosures are missing in the loan file;
1. Anti-Coercion Notice.
2. Radon Gas Disclosure.
3. Insurance Sales Disclosure.		    
64736759 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
64736759 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing from the loan file    
64736759 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) ComplianceEase TILA test failed due to TILA foreclosure rescission finance charge test is failed.
TILA Foreclosure Rescission Finance Charge Test shows loan data is $103,006.85, Comparison data is $103,051.12 and variance is -$44.27.
This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR
§226.23(h) )
The finance charge is $103,051.12. The disclosed finance charge of $103,006.85 is not considered accurate for purposes of
rescission because it is understated by more than $35.		    
80187503 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure document is missing from loan files.    
80187503 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from loan files.    
80187503 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing from the loan file    
75203113 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) 1. This loan failed the TILA finance charge test. The finance charge is $352,051.82. The disclosed finance charge of $351,927.18 is not considered accurate because it is understated by more than $100.

2. This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $352,051.82. The disclosed finance charge of $351,927.18 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
75203113 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
75203113 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
75203113 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
57189499 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) This loan is failed for the TILA right of rescission test.    
57189499 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Maryland $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final Application is missing from loan files.    
57189499 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from loan files.    
57189499 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan is failed for the TILA right of rescission test.
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 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
55867915 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Hawaii $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as loan is failing for TILA Finance Charge Test.    
55867915 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Hawaii $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
55867915 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Hawaii $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA Finance Charge Test: FAIL
Loan Data $554,568.22 Comparison Data $554,671.24 Variance -$103.02
This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )
The finance charge is $554,671.24. The disclosed finance charge of $554,568.22 is not considered accurate because it is understated by more than $100.

TILA Foreclosure Rescission Finance Charge Test: FAIL
Loan Data $554,568.22 Comparison Data $554,671.24 Variance -$103.02
This loan failed the TILA foreclosure rescission finance charge test. ( 12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h) )
The finance charge is $554,671.24. The disclosed finance charge of $554,568.22 is not considered accurate for purposes of rescission because it is understated by more than $35.

TILA Right of Rescission Test: FAIL
This loan failed the TILA right of rescission test.
Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) )
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 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
55867915 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Hawaii $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in the Hawaii State. The following state disclosures are missing in the loan file;
Reciprocal Beneficiary/ Civil Union Addendum to Uniform Residential Loan Application		    
55867915 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Hawaii $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The Final 1003 application is missing in the loan file; however the values are taken from note and loan documents.    
55867915 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Hawaii $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan document.    
88921007 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final Application is missing from loan file.    
88921007 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
48153804 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan document.    
48153804 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 Application is missing from the loan documents.    
48153804 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
39117357 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final Application is missing from the loan documents.    
39117357 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing or error on the Rate Lock Document (Lvl 2) Rate lock agreement signed by the borrower is missing from the loan documents.    
39117357 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA Foreclosure Rescission Finance Charge Test: FAIL
Loan Data $199,314.79 Comparison Data $199,376.33 Variance -$61.54
This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))
The finance charge is $199,376.33. The disclosed finance charge of $199,314.79 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
39117357 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
39117357 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Foreclosure Rescission Finance Charge Test: FAIL
Loan Data $199,314.79 Comparison Data $199,376.33 Variance -$61.54		    
39117357 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
70715220 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete New Mexico $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing Transfer disclosure is missing from the loan documents.    
70715220 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete New Mexico $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan documents.    
70715220 xx xx xx 41dab201-a6d6-49a8-bb14-875feec35065 561 561-3210 xx Non-QM QC Complete New Mexico $xx Credit Mtg Insurance Active 2: Acceptable with Warnings * Mortgage Insurance Certificate missing (Lvl 2) The loan is conventional and LTV exceeds xx%. Hence, the MI certificate is required, which is missing from the loan file.    
70715220 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete New Mexico $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
70715220 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete New Mexico $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 Application is missing from the loan documents.    
70715220 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete New Mexico $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An appraisal report at origination is missing from the loan file.    
84253792 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA Right of Rescission Test: FAIL
This loan failed the TILA right of rescission test.
Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) )
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 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
84253792 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
84253792 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
84253792 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan documents.    
84253792 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) TILA Right of Rescission Test: FAIL    
84253792 xx xx xx 8422c6cc-4447-4f95-a328-2a159c966e2d 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Condo / PUD rider Missing (Lvl 2) As per appraisal report dated xx/xx/2007 the property is low rise condominium. However condominium rider is missing from the loan documents.    
25716373 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Kentucky $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in KY. The following state disclosures are missing in the loan file; 1. Fair Housing Notice 2. Homeownership Protection Center Disclosures 3. Notice of Free Choice of Agent or Insurer    
25716373 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Kentucky $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An appraisal report at origination is missing from the loan file.    
25716373 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx Non-QM QC Complete Kentucky $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing proof of hazard insurance (Lvl 2) Hazard Insurance Policy Document is missing from the loan Document.    
25716373 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Kentucky $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan document.    
25716373 xx xx xx aa5d08d8-c45c-44bd-90e9-756b8134eb6c 561 561-3210 xx Non-QM QC Complete Kentucky $xx Credit Doc Issue Active 2: Acceptable with Warnings * Prepayment Rider Missing (Lvl 2) The prepayment rider is missing from the loan documents.    
25716373 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Kentucky $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
25716373 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Kentucky $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file. However, values are updated from credit application located at xx.    
12605672 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non-QM QC Complete Tennessee $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home has not been affixed. An appraisal report at the time of origination located at xx shows the type of subject property as a manufactured home. The affidavit of affixation is not available in the loan file. According to the tax report subject property is manufactured home, but reflects separate assessment for land and building. The ALTA 7 endorsement is not attached with the final title policy.
However, the mortgage legal description shows VIN number xx and it also states that the mobile home is permanently affixed and made a part of the real property.		    
12605672 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan document.    
12605672 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Tennessee $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing Transfer disclosure is missing from the loan documents.    
12605672 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Tennessee $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
12605672 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx Non-QM QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the brokerage/finder fee test:

The mortgage loan charges a brokerage/finder fee that exceeds 2% of the total loan amount. Under the Tennessee Rules and
Regulations, brokerage fee is synonymous with finder fee.
Any brokerage/finder fee of more than 2% of the principal amount of the loan will be presumed to be unfair and unreasonable and
shall be grounds to revoke the license or registration of such licensee or registrant, unless such licensee or registrant can provide
evidence showing that such fee constitutes fair and reasonable compensation
     
Loan Data          Comparison Data            Variance
$1,272.74            $1,091.61                      +$181.13		    
12605672 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The Compliance Ease Risk indicator is "moderate” due to following reason:
Brokerage/Finder Fee Test: fail		    
22564855 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
22564855 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application along with initial application is missing from the loan file.    
22564855 xx xx xx a0d5a3be-496f-41d6-a958-ce4e3ccae8fe 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Operative index value is unable to confirm (Lvl 2) Unable to confirm operative index value due to missing documents.    
55035886 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non-QM QC Complete Washington $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) An Appraisal Report at the origination located at xx states that the property is a manufactured home. VIN#xx is available on the recorded mortgage document. Affidavit of affixation is found (located-ln#xx), which shows that the home is affixed to permanent foundation system.    
55035886 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Washington $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
55035886 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Washington $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application is missing from the loan file.    
94012049 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
94012049 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase risk indicator is moderate as loan is failing for TILA Right of Rescission Test    
94012049 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA Right of Rescission Test: FAIL
This loan failed the TILA right of rescission test.
Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) )
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 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last.		    
94012049 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan document.    
82685630 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
82685630 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Virginia $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An appraisal report at origination is missing from the loan file.    
82685630 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan document.    
82685630 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in VA. The following state disclosures are missing in the loan file;
1.VA Application Disclosure
2.Choice of Settlement Agent Disclosure
3.Disclosure of Charges For Appraisal or Valuation
4.Copy of Appraisal or Statement of Appraised Value		    
73634403 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Illinois $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file.    
73634403 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non-QM QC Complete Illinois $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) MI Certificate is missing from the loan file.    
73634403 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Illinois $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
73634403 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrowers.    
73634403 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
63964652 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form document is missing from this loan file.    
63964652 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) Right of Rescission document is missing from this loan file.    
63964652 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from this loan file.    
63964652 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Alabama $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
63964652 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Alabama $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal document is missing from this loan file.    
63964652 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non-QM QC Complete Alabama $xx Valuation Property Active 4: Unacceptable * Property is Manufactured Housing (Lvl 4) Home is not affixed. An appraisal report at the origination is missing from the loan file. Tax report attached with UT located at “xx” shows the type of subject property as a manufactured home. However, the Affidavit of Affixation is not available in the loan file. The ALTA 7 Endorsement is not attached to the final title policy. Also, the VIN# is not available in the legal description of the recorded mortgage. A collections comment does not reflect any information regarding Manufactured Housing whether it is attached to a permanent foundation system or not. Hence, unable to determine whether the home is attached to the permanent foundation.    
63964652 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Alabama $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application document is missing from this loan file.    
27267575 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from loan documents.    
27267575 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
11313502 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Delaware $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
11313502 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Delaware $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file.    
39474999 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Iowa $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan document.    
39474999 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Iowa $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file. However, values are Updated from credit Application located at xx.    
39474999 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Iowa $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) The Compliance Ease Risk indicator is "moderate” due to
Prohibited Fees Test: Fail		    
39474999 xx xx xx 41dab201-a6d6-49a8-bb14-875feec35065 561 561-3210 xx Non-QM QC Complete Iowa $xx Credit Mtg Insurance Active 2: Acceptable with Warnings * Mortgage Insurance Certificate missing (Lvl 2) The loan is conventional and LTV exceeds xx%. Hence, the MI certificate is required, which is missing from the loan file.    
39474999 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Iowa $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
39474999 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx Non-QM QC Complete Iowa $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) Prohibited Fees Test: Fail

                                         Loan Data     Comparison Data    Variance
Prohibited Fees Test: Fail      $205.00              $0.00                  +$205.00

The loan failed the prohibited fees test.

Iowa loans may fall into more than one loan category at the same time. A fee is allowed if authorized by one or more statutes that
apply. Otherwise fees are prohibited:

If the loan is a Consumer Loan it may charge an "additional charge".

If the loan is a Home Acquisition Loan the lender may collect fees as allowed by statute.

If the loan is a Home Equity Line of Credit the lender may collect fees as allowed by statute and Gardin v. Long Beach Mortgage Co		    
70275991 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Louisiana $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file.    
70275991 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non-QM QC Complete Louisiana $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from the loan file.    
70275991 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Louisiana $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
47142158 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
47142158 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
47142158 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
36826794 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Utah $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
36826794 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Utah $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in UT. The following state disclosures are missing in the loan file;
1) Fee Disclosure
2) Loan Application Notice
3) Servicer Disclosure
4) Notice of Change of Terms For Open-End Consumer Credit Contract.		    
36826794 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Utah $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
36826794 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Utah $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file. However, values are updated from credit application located at xx.    
96738727 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form disclosure is missing from the loan file.    
96738727 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
96738727 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
46286191 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in IL. The following state disclosures are missing in the loan file;
1.IL Collateral Protection Insurance Notice
2.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application		    
46286191 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Illinois $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing in loan file.    
46286191 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Illinois $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file. However, values are updated from credit Application located at xx.    
46286191 xx xx xx 41dab201-a6d6-49a8-bb14-875feec35065 561 561-3210 xx Non-QM QC Complete Illinois $xx Credit Mtg Insurance Active 2: Acceptable with Warnings * Mortgage Insurance Certificate missing (Lvl 2) The loan is conventional and LTV exceeds xx%. Hence, the MI certificate is required, which is missing from the loan file.    
46286191 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan document.    
93308962 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
93308962 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Virginia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) The final 1003 (application) is missing from the loan file.    
93987391 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Maine $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
93987391 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Maine $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
93987391 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Maine $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file.    
8801087 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan document.    
8801087 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
8801087 xx xx xx 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Good Faith Estimate missing or unexecuted (Lvl 2) Final Good Faith Estimate is missing from loan documents.    
8801087 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An appraisal report at origination is missing from the loan file.    
8801087 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 Application is missing from the loan documents.    
8801087 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing proof of hazard insurance (Lvl 2) Hazard Insurance Policy Document is missing from the loan Document.    
23288006 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Louisiana $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
48131951 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Alabama $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by the borrower.    
48131951 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Alabama $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file.    
48131951 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non-QM QC Complete Alabama $xx Valuation Property Active 4: Unacceptable * Property is Manufactured Housing (Lvl 4) Home is not affixed. As per Appraisal Report located at xx the subject property is a manufactured home. The ALTA 7 Endorsement is not attached with the Final Title Policy. The legal description attached with the subject mortgage does not show VIN/Serial Number. The affidavit of affixation is not available with UT located at xx which states that the manufactured home with no affixed to the permanent foundation.    
68284959 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
68284959 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
68284959 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non-QM QC Complete Washington $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home is affixed. According to the updated title report dated xx/xx/2022, the type of subject property is a manufactured home with VIN number# xx. The ALTA 7 Endorsement is not attached with the Final Title Policy. The legal description attached with the subject mortgage does not show VIN/Serial Number. The manufactured home application located at "xx" shows the subject property is affixed to the land with VIN xx. Hence, the subject property is affixed to the land.    
68284959 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Washington $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report missing in loan file    
68284959 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) ROR is missing from the loan file.    
68284959 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Washington $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final 1003 is missing from the loan file.    
68284959 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Washington $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An appraisal report at origination is missing from the loan file.    
68284959 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Washington $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with Estimated HUD-1 and Itemization are missing from the loan file.    
68284959 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Washington $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan file.    
5860996 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
5860996 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete New York $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) An Appraisal report is missing from the loan files.    
5860996 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the loan files.    
48489529 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file.    
48489529 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report at origination is missing from the loan file.    
48489529 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
48489529 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 along with Estimated HUD-1 or Itemization are missing from the loan file.    
48489529 xx xx xx 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Not all borrowers signed TIL (Lvl 2) Final TIL is not hand dated by borrower.    
48489529 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
52784708 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan documents    
52784708 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan document.    
52784708 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE is moderate due to failure of TILA Finance Charge Test.    
52784708 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
52784708 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA Foreclosure Rescission Finance Charge Test: FAIL Charged: $84,111.03 Allowed:$84,148.25 Variance: -$37.22    
52784708 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in Georgia. The following state disclosures are missing in the loan file;
1) Waiver of Borrowers Rights and Closing Attorney Affidavit (not required by law but provided as a matter of custom)
2) Disclosure of Additional Fees.		    
52784708 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx Non-QM QC Complete Georgia $xx Valuation Property Active 4: Unacceptable * Property is Manufactured Housing (Lvl 4) Home not Affixed. An appraisal report is located at xx. As per the tape, the subject property type is Manufactured Home. However, the Affidavit of Affixation is not available in the loan file. The legal description attached with the subject mortgage does not show VIN/Serial Number. The latest tax search report available in the updated title report dated xx/xx/2022 shows subject property as Manufactured Housing. Also, the Final title policy does not show the any ALTA-7 endorsement for this manufactured housing. Therefore, we are unable to verify whether the subject property has been permanently attached to the foundation or not.    
19926854 xx xx xx bec64182-c833-4d46-b219-f92e4dbddf86 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account Disclosure is missing from the loan document.    
19926854 xx xx xx aa5d08d8-c45c-44bd-90e9-756b8134eb6c 561 561-3210 xx Non-QM QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * Prepayment Rider Missing (Lvl 2) The prepayment rider is missing from the loan documents.    
19926854 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in the New York. The following state disclosures are missing in the loan file;
1. NY Consumer Credit Disclosure / Fair Credit Reporting Notice
2. NY Interest Rate Disclosure
3. NY Hazard Insurance Disclosure
4. Tax Escrow Account Designation
5. Mortgage Bankers and Exempt Organizations Preapplication
6. Co-Signer Notice Requirements
7. Default Warning Notice
8. New York Real Property Escrow Account Disclosure
9. Commitment Disclosure
10. Lock-in Disclosure
11. Expiration of Lock-in or Commitment Period.		    
19926854 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
19926854 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file. However, values are Updated from credit Application located at xx.    
19926854 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan documents.    
69145176 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Michigan $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
69145176 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Michigan $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file.    
69145176 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Michigan $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrower.    
74335491 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
74335491 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application document is missing from loan files.    
86579612 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
86579612 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right of Rescission is missing from the loan documents.    
86579612 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan file. However, values are updated from credit application located at xx.    
86579612 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in NY. The following state disclosures are missing in the loan file;
1. NY Consumer Credit Disclosure / Fair Credit Reporting Notice
2. NY Interest Rate Disclosure
3. NY Hazard Insurance Disclosure
4. Tax Escrow Account Designation
5. Mortgage Bankers and Exempt Organizations Preapplication
6. Co-Signer Notice Requirements
7. Default Warning Notice
8. New York Real Property Escrow Account Disclosure
9. Commitment Disclosure		    
86579612 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan documents.    
99802660 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Indiana $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Final application is missing from the loan documents.    
99802660 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx Non-QM QC Complete Indiana $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing flood cert (Lvl 2) Flood certificate is  missing from loan file.    
99802660 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) Right of rescission document is not hand dated by the borrower.    
99802660 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Indiana $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the loan file.    
99802660 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Indiana license validation test. (IN HEA 1359, Ind. Code § 24-4.5-1-101, Ind. Code § 24.4.4-1-101)
Indiana House Enrolled Act 1359 requires the Indiana Department of Financial Institutions to begin regulation of both first and
subordinate lien mortgage lending under the First Lien Mortgage Lending License and Subordinate Lien Mortgage Lending
License. As a result, lenders will no longer be allowed to make loans under the Indiana Unregulated (1st Lien), Unregulated
UCCC, Consumer Loan License, Consumer Loan License UCCC, or the Exemption Letter UCCC.
The Indiana First Lien Mortgage Lending License and Indiana Subordinate Lien Lending License are not available for loans with
a closing date before the Act's effective date of January 1, 2009.		    
28721055 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on final CD as $211,311.44. Calculated finance charge is $211,447.36 for an under disclosed amount of $135.92. Reason for finance charge under disclosure is unknown. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
28721055 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI certificate is missing from the loan documents.    
28721055 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows defect that subject loan was purchased within last 90 days of prior transfer. Prior sale closed xx/xx/21 for $xx. Subject contract date xx/xx/21 for $xx. Sellers upgrades since purchase last year includes new wood flooring throughout home including new carpet in secondary bedrooms. New paint throughout. Joist work and crawl space completed with new moisture barrier. Elevated for client review.    
2657679 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 8.025% exceeds APR threshold of 6.210% over by +1.815%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.

Loan failed Qualified Mortgage APR threshold test due to APR calculated 8.025% exceeds APR threshold of 6.210% over by +1.815%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.		    
2657679 xx xx xx 199ed034-40ba-4073-9bb5-17d9a97bf057 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Loan program disclosure missing or unexecuted (Lvl 3) Subject tape and docs in file show ITIN loans.    
2657679 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed higher-priced mortgage loan test due to APR calculated 8.025% exceeds APR threshold of 6.210% over by +1.815%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
2657679 xx xx xx 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * Compliance Testing (Lvl 2) Loan fails GSE (Fannie Mae public guidelines) QM APR test due to APR calculated 8.025% exceeds APR threshold of 6.210% over by +1.815%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
2657679 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Doc Issue Active 3: Curable * Missing flood cert (Lvl 3) Flood certificate is missing from the loan documents.    
2657679 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
2657679 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $3,294.83. However, the loan was manually underwritten.    
2657679 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard insurance is missing from loan documents.    
77432488 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx. Tape shows BWR employed by family but missing 2 yrs tax returns to verify income and pushes DTI to xx%. Unable to rely on documents in file and unable to calculate ATR."    
68198481 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
68198481 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
68198481 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Indiana $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 shows Flood Certification - Single Charge or Life of Loan in the amount of $8.00. However, CD dated xx/xx/2021 reflects Flood Certification - Single Charge or Life of Loan at $8.60. This is an increase in fee of $0.60 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
68198481 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx QM-TRID QC Complete Indiana $xx Credit Doc Issue Active 3: Curable * Missing flood cert (Lvl 3) Flood certificate is missing from the loan documents.    
76042058 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file.    
76042058 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Your home loan toolkit / acknowledgment / disclosure tracking is missing in the loan file.    
76042058 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
76042058 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is NOO. Tape shows income miscalculation and recalculated income may push DTI above acceptable limits. The file was reviewed by an UM manager who concurs with the investor findings.    
27430776 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
27430776 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan could not be relocked with USB due to excessive LTV (xx%) on cash-out underwriter confirmed there are no other jumbo investors that will accept the loan.    
27430776 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $xx and total expenses are in the amount of $6,449.02 and the loan was underwritten by DU (locator# xx) and its recommendation is Approve/Ineligible with a DTI of xx%.    
56648514 xx xx xx fbdf2672-bb78-4d47-8239-175dbfaf8564 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Credit Active 3: Curable * Final Application Incomplete (Lvl 3) Lender loan information addendum is missing from the loan documents.    
56648514 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
56648514 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows AUS required full appraisal. Initially had PIW, but we lost the PIW and no one caught it.    
20609581 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan approved at xx%. Tape shows insufficient documentation to support to support SE income and employment. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
20609581 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
70673584 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arkansas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
70673584 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arkansas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the issue as the loan was locked as a 2nd home but at the time of final DU, it was identified that the property should be an investment property.  Hence LTV is more than xx% which is above the agency guidelines.    
59752115 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 5.048% exceeds APR threshold of 4.070% over by +0.978%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
59752115 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 5.048% exceeds APR threshold of 4.070% over by +0.978%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
59752115 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows borrower was employed by interested party and the loan documentation did not include tax returns. Excluding the income resulted in a revised income of $0 and a revised DTI could not be calculated. Unable to rely on docs in file and unable to calc ATR.    
59752115 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
59752115 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails ComplianceEase delivery and timing test Initial Loan Estimate dated xx/xx/2020. Document is electronically signed by borrower on xx/xx/2020 which is not within 3 business days from initial application date xx/xx/2020.    
59752115 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * ComplianceEase State Regulations Test Failed (Lvl 3) This loan failed the brokerage/finder fee test. The mortgage loan charges a brokerage/finder fee that exceeds 2% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee. The Below fees were included in the test.
Administration Fee paid by Borrower: $899.00
Points - Loan Discount Fee paid by Borrower: $2,250.00		    
59752115 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan fails ComplianceEase charges that cannot increase test and charges that cannot increase more than 10% due to loan failed Initial Loan Estimate delivery and timing test.    
57602401 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial closing disclosure is missing from the loan documents.    
57602401 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $xx and total expenses are in the amount of $6,199.75 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
57602401 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID tolerance test is incomplete due to initial CD is missing from loan documents.    
57602401 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
57602401 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 4: Unacceptable * Loan does not conform to program guidelines (Lvl 4) The subject mortgage recorded on xx/xx/2021 in the amount of $577,000.00 and prior mortgage recoded on xx/xx/2018 in the amount of $576,000.00 has been consolidated and create 1 new mortgage. All the exhibit available with the CEMA agreement. Also tape shows this is CEMA loan and BONY would not certify based on incorrect legal language on exhibit.    
38259420 xx xx xx 399d40af-a75c-4340-9c3c-97eadb98a8dc 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 2: Acceptable with Warnings * Cash out purchase (Lvl 2) The subject loan is purchase case. However, final CD dated xx/xx/2020 reflects "cash to" in the amount of $1,506.51.    
38259420 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test due to
Loan estimate dated xx/xx/2020 does not reflect Renovation Fee. However, CD dated xx/xx/2020 reflects Renovation Fee at $500.00.
Loan estimate dated xx/xx/2020 does not reflect Appraisal Re-Inspection Fee. However, CD dated xx/xx/2020 reflects Appraisal Re-Inspection Fee at $750.00.
Loan estimate dated xx/xx/2020 does not reflect Appraisal Review Fee. However, CD dated xx/xx/2020 reflects Appraisal Review Fee at $250.00.
This is a cumulative increase in fee of $1,500.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.		    
38259420 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete Georgia $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Tape shows appraiser inaccurately showed property quality as Q3 vs Q4. No further details available. Elevated for client review.    
38259420 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
45966881 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 does not reflect Points - Loan Discount Fee. However, CD dated xx/xx/2021 reflects Points - Loan Discount Fee at $379.04. This is an increase in fee of $379.04 for charges that cannot increase. Valid COC for the increase in fee is available.

Loan failed charges that increase more than 10% test. LE dated xx/xx/2021 reflects the sum of section C fees and recording fee at $2,024.00. However, CD dated xx/xx/2021 reflects the sum of section C and recording fee at $2,316.76. This is a cumulative increase of $90.36 for charges that in total cannot increase more than 10% test. Specific credit of $265.74 has been provided at closing.		    
45966881 xx xx xx fbdf2672-bb78-4d47-8239-175dbfaf8564 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Credit Active 3: Curable * Final Application Incomplete (Lvl 3) Lender loan information addendum is missing from the loan documents.    
45966881 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $3,865.71 and the loan was underwritten by LP (locator# xx) and its recommendation is “Accept” with a DTI of xx%.    
45966881 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows insufficient down payment/ asset verification. Review of the documents shows that retirement assets worth $590,236 were submitted in LP satisifies the cash to close requirement as per final CD is $52,084.37.    
56831328 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
56831328 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan has driven by (2055) appraisal and original loan was not owned by xx. Loan has ineligible for sale.    
92396896 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal report at the time of origination is missing from the loan documents.    
92396896 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 2: Acceptable with Warnings * Loan does not conform to program guidelines (Lvl 2) Seller tape data shows that the loan closed and PW was not on AUS. Fannie not granting SLW.    
92396896 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID tolerance test is incomplete due to initial CD is missing from loan documents.    
92396896 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial closing disclosure is missing from the loan documents.    
53680311 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
53680311 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan closed with PIW which is not allowed by AUS. FNMA will not grant SLW for appraisal after closing.    
40940474 xx xx xx 399d40af-a75c-4340-9c3c-97eadb98a8dc 561 561-3210 xx QM-TRID QC Complete Mississippi $xx Credit Guidelines Active 2: Acceptable with Warnings * Cash out purchase (Lvl 2) "The subject loan is purchase case, however final CD dated xx/xx/2020 reflects "cash to" in the amount of $390.21."    
40940474 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Mississippi $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $1,814.64 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
40940474 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Mississippi $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
40940474 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Mississippi $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows closed with private flood insurance-HUD will not insure.    
40940474 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Mississippi $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from the loan documents.    
40940474 xx xx xx 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf 561 561-3210 xx QM-TRID QC Complete Mississippi $xx Credit LTV Active 3: Curable * LTV or CLTV exceeds 104% (Lvl 3) Collateral value used for underwriting is $xx. Amount of secondary lien(s) is $xx and base loan amount is $xx hence LTV is xx% and CLTV is xx%.    
74383767 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Vermont $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape data reflects that this loan will be unsaleable due to aging.    
74383767 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Vermont $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 does not reflects Points - Loan Discount Fee. However, CD dated xx/xx/2021 reflects Points - Loan Discount Fee at $590.00. This is an increase in fee of $590.00 for charges that cannot increase. COC for increase in fee is missing from the loan documents.    
74383767 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Vermont $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the TRID initial loan estimate date and initial closing disclosure date validation test due to this loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt date was not provided) that is on or before any loan estimate delivery date.    
74383767 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Vermont $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the revised loan estimate delivery date xx/xx/2021 test (prior to consummation) due to the revised loan estimate delivery date is on the initial closing disclosure delivery date.    
74383767 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Vermont $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
74383767 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx QM-TRID QC Complete Vermont $xx Compliance Compliance Active 3: Curable * ComplianceEase State Regulations Test Failed (Lvl 3) Loan fails Vermont mortgage lender license prohibited fees test due to fees charged $2,296.00 fees threshold $0.00 over by +$2,296.00
The below fees were included in the test:
Administration Fee paid by Borrower: $1,156.00
Points - Loan Discount Fee paid by Borrower: $590.00
Settlement or Closing Fee paid by Borrower: $500.00
Title Courier Fee paid by Borrower: $50.00		    
26193526 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows deficiencies in assets and employment. Further details not provided. Unable to rely on documents in loan and unable to calculate ATR.    
26193526 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s is $xx and total expenses are in the amount of $2,678.69 and the loan was underwritten by DU (locator# xx) and its recommendation is approve/eligible for a DTI of xx%.    
26193526 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
96445646 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan approved at xx%. Tape shows income miscalculation. Further details not provided. Unable to rely on documents in file and unable to calculate ATR.    
96445646 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
96445646 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $9,104.38 and the loan was underwritten by LP (locator# xx) and its recommendation is “Accept/Eligible” with a DTI of xx%.    
96445646 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that increase more than 10% test. Initial Loan estimate dated xx/xx/2020 reflects Recording fee at $177.00. However, Final CD dated xx/xx/2020 reflects Recording fee at $194.80. This is a fee increase of $17.80 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
96445646 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan has a post-consummation event date as xx/xx/2020 that occurs on or before the closing date or consummation date of the loan.    
9355618 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
9355618 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 4: Unacceptable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) Appraisal report is missing from loan documents. TX FMV disclosure is missing from the file and unable to calc LTV. Also tape shows final DU did not allow for PIW - SLW will not be granted for an appraisal after closing. Loan was labeled as no cash out and borrower got $1,756.00 cash back at closing.    
9355618 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx/xx/2021 does not reflect Texas guaranty fee. However, final CD dated xx/xx/2021 reflects Texas guaranty fee at $2.00. This is an increase in fee of $2.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
57797548 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
57797548 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as xx/xx/2020. Calculated finance charge is $238,437.25 for an under disclosed amount of $238,784.34.  Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is a purchase, originated on xx/xx/2020 and the SOL is 1 year.    
57797548 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) As per tape data the subject property is a condotel. Subject property occupancy is secondary. As per appraisal report subject property is located in xx. Escalated for client review.    
57797548 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the TRID initial loan estimate date and initial closing disclosure date validation test.
This loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt date was not provided) that is on or before any loan estimate delivery date. Please review the loan data to ensure the dates are in the correct fields.		    
57797548 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the TRID total of payments test. ( 12 CFR §1026.38(o)(1) )
The total of payments is $768,487.75. The disclosed total of payments of $745,204.75 is not considered accurate because it is understated by more than $100.		    
86025725 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $684,652.96. Calculated finance charge is $685,084.22 for an under disclosed amount of $431.26. Reason for Finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.    
86025725 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows income miscalculation. Further details not provided. Unable to rely on docs in file and unable to calc ATR    
86025725 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial closing disclosure is missing from the loan file.    
86025725 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) The total of payments is $xx. The disclosed total of payments of $1,952,362.46 is not considered accurate because it is understated by more than $100.    
86025725 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID tolerance test is incomplete due to initial CD is missing from loan documents.    
98954582 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
98954582 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan closed with a power of attorney that was e-signed. This is not accepted by agency nor other investors.    
55652158 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $xx and total expenses are in the amount of $4,024.92 and the loan was underwritten by DU (locator#xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
55652158 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Market conditions addendum report is missing from the loan documents.    
55652158 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects the following issues. "LTV of xx% exceeds the LTV limit for both Fannie and Freddie for a limited review condo in the State of FL” However, no such issue has been verified from the loan file.    
55652158 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
73580542 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) Test incomplete as initial CD is missing.    
73580542 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $7,055.57 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with xx%.    
73580542 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) An executed copy of rate lock agreement is missing from the loan file.    
73580542 xx xx xx b4b2efca-3cd5-4046-946f-807cd5d39850 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing Initial Closing Disclosure (Lvl 3) Initial closing disclosure is missing from the loan file.    
21033273 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
21033273 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows BWR2 (Alma Miller) did not sign all docs including note but they used BWR2 income to qualify. Excluding BWR2 income would invalidate AUS. Elevated for client review.    
21033273 xx xx xx 0270b5a0-6846-4580-a03f-12f44a18d0d3 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Doc Issue Active 4: Unacceptable * Note is missing or unexecuted (Lvl 4) Tape shows BWR2 did not sign all docs including note. Note only signed by BWR1. Unable to sue on the note against BWR2, Alma Miller. Elevating for client review as treating note as missing.    
21033273 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 4: Unacceptable * Loan does not conform to program guidelines (Lvl 4) Tape shows co-borrower not included on executed closing documents.    
56674435 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows income miscalculation. Further details not provided. Unable to rely on docs and unable to calc ATR.    
56674435 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
42099645 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TRID total of payments test due to total of payment disclosed on final CD as $2,239,247.79. Calculated total of payment $2242,141.91. For an under disclosed amount of $2894.12. Reason for finance charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
42099645 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows supportive documents for qualified income, assets and employment are missing. Also tape shows omission of debts. Unable to rely on documents in file and unable to calculate ATR.    
42099645 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
42099645 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated  xx/xx/2020 dose not reflect points - loan discount fee. However, CD dated xx/xx/2021 reflects points - loan discount fee at $996.70. This is an increase in fee of $2,408.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
94516409 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Market conditions addendum report is missing from the loan documents.    
94516409 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $3,793.58 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
94516409 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
94516409 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the TRID total of payments test due to total of payment disclosed on final CD as $477,541.44. Calculated total of payment $479,125.70. For an under disclosed amount of -$1,584.26.    
94516409 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on final CD as $176,064.44. Calculated finance charge is $176,648.70 for an under disclosed amount of -$584.26. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
94516409 xx xx xx bad332cb-e6a3-4009-b7fc-5aeb1388d641 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Mtg Insurance Active 2: Acceptable with Warnings * mortgage certificate (Lvl 2) MI certificate reflects loan amount as $xx but final application reflects loan amount as $xx.    
94516409 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows borrower can do the HBE course post-close and get an xx from xx and loan declined by xx.    
32071789 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) Final CD reflects closing date as xx/xx/2020. Notary's signature date on the mortgage/deed of trust is xx/xx/2020. Note date is xx/xx/2020.    
32071789 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Market conditions addendum report is missing from the loan documents.    
32071789 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Per tape subject is a condotel and not a standard second home. Subject is a unit in a hotel in xx FL with commercial amenities.    
32071789 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
57212157 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
57212157 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows loan has 2055 exterior only appraisal and was not originally owned by Fannie Mae and loan is ineligible for delivery.    
4047649 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $2,753.49 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
4047649 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
4047649 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from loan documents.    
4047649 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2020 delivered on xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.    
4047649 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows issue : LTV exceed program guidelines.    
27331887 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Missouri $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows undisclosed debt was missed at closing. Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
27331887 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx QM-TRID QC Complete Missouri $xx Compliance Compliance Active 3: Curable * ComplianceEase State Regulations Test Failed (Lvl 3) Loan fails Qualified Mortgage points and fees test due to Fees charged $999.00 exceeds fees threshold of $0 over by +$999.00.
The below fees were included in the test:
Administration Fee paid by Borrower: $999.00.		    
27331887 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Missouri $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
26374034 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
26374034 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete New York $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Tape shows loan repurchased over FNMA appraisal issues. Review of appraisals confirms FNMA concerns including the comps used and adjustments. Elevated for client review.    
44819829 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 2: Acceptable with Warnings * Loan does not conform to program guidelines (Lvl 2) Seller tape shows TRID/TILA sol not expired. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.    
44819829 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $1,481.00 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
47617637 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) “This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."    
47617637 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing from the loan file    
47617637 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) ComplianceEase risk indicator is Elevated.    
47617637 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) MI cert is missing from the loan file.    
4998219 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing proof of hazard insurance (Lvl 2) Hazard insurance policy is missing from the loan document.    
4998219 xx xx xx d0c75b4b-dd5d-4d51-9418-7119e7ab6397 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * TRID Violations (Lvl 2) Seller tape shows TRID/TILA SOL not expired. CE report shows TRID tolerance test failed and loan is within SOL. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.    
4998219 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $4,628.69 and the loan was underwritten by DU (locator# xx) and its recommendation is Approve/Eligible with a DTI of xx%.    
4998219 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2019 does not reflect rate lock fee. However, CD dated xx/xx/2020 reflects rate lock fee at $2,212.50. This is an increase in fee of $2,212.50 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
4998219 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete California $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal summary is missing from the loan document.    
62890154 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing from the loan file    
62890154 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from loan files.    
62890154 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) “This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds."    
62890154 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) ComplianceEase risk indicator is Elevated.    
62890154 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) MI Cert is missing from the loan file.    
89679432 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Illinois $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing from the loan file    
89679432 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated Business Disclosure is missing from the loan file.    
89679432 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Illinois $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal is missing from the loan file.    
82513011 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing from the loan file    
82513011 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required Affiliated business disclosure is missing.    
87607254 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Oregon $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS is missing from the loan documents.    
87607254 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $1,110.87. AUS report is missing from the loan documents.    
87607254 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2015 does not reflect points - loan discount fee. However, final CD dated 3/xx/016 reflects points - loan discount fee at $553.80. This is an increase in fee of $553.80 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
87607254 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock provided expired on xx/xx/2016 and the loan closed on xx/xx/2016. No lock extension found.    
87607254 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Oregon $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal is missing from the loan documents.    
87607254 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Oregon $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Final transmittal summary is missing from the loan documents.    
18028979 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Alaska $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Compliance Ease risk indicator is moderate.    
18028979 xx xx xx 57ebb2cd-7596-4166-9bd9-6f932a9e2595 561 561-3210 xx Non-QM QC Complete Alaska $xx Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) As per TIL document, it is not hand dated by borrower.    
18028979 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx Non-QM QC Complete Alaska $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) This loan failed the Alaska license validation test. ( AK HB 162 , AK State. §06.60.010) The Alaska Mortgage Lending Regulation Act (AMLRA), effective July 1, 2008, requires all mortgage lenders, mortgage brokers, and originators operating in Alaska to be licensed under the AMLRA. Mortgage lenders, brokers, and originators operating in Alaska prior to July 1, 2008 must be licensed under the AMLRA by March 1, 2009. The Alaska Mortgage Lending Regulation License and Exemption Letter are not available for loans with a closing date before July 1, 2008.    
18028979 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Alaska $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) As per HUD document (xx), the first page is missing from loan files and two hundred section is not found.    
32720528 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non-QM QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) Mortgage insurance certification is missing from loan file. As per tape data, MI is required.    
32720528 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure at origination is missing from the loan file.    
32720528 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
32720528 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing from the loan file    
32720528 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from loan file.    
81625542 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE report is Moderate due to -
TILA Finance Charge Test.
TILA Foreclosure Rescission Finance Charge Test.		    
81625542 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test.( 12 CFR §1026.38(o)(2) )
The finance charge is $206,967.53. The disclosed finance charge of $206,267.53 is not considered accurate because it is understated by more than $100.		    
81625542 xx xx xx d37b6b0d-52a6-40cb-8ba6-8980e85842cd 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) Considered the date as per provided in the documents.    
81625542 xx xx xx 4338a740-1f15-426f-91b9-3d27e90910a7 561 561-3210 xx Non-QM QC Complete New York $xx Credit Credit Active 3: Curable * Lost Note Affidavit (Lvl 3) Lost note affidavit found in the loan file at xx states that original note has been lost or misplaced. However, copy of note is available.    
17641955 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows state non compliant and state high cost. Our CE results are not failing any federal or state high costs. Elevated for client review.    
35033104 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx Non-QM QC Complete Wisconsin $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.
GSE (FANNIE Mae public guidelines) Seller Paid Points and Fees Exception Test fail.
GSE (Freddie Mac public guidelines) Seller Paid Points and Fees Exception Test fail.		    
35033104 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Wisconsin $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing from the loan file    
35033104 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non-QM QC Complete Wisconsin $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) MI, FHA or MIC is missing from loan file.    
1683762 xx xx xx 57ebb2cd-7596-4166-9bd9-6f932a9e2595 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) Truth in lending is not hand dated.    
1683762 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form documents is missing from the loan file.    
1683762 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer documents is missing from the loan file.    
1683762 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete South Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report missing from the loan file.    
1683762 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete South Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial escrow account disclosure is missing from the loan file.    
12833425 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete California $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report missing from the loan file.    
12833425 xx xx xx 08f7f0be-f4cf-4d4e-8244-193c7542c212 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issues Active 3: Curable * Not all borrowers signed HUD (Lvl 3) The final HUD-1 is not signed by the borrower.    
12833425 xx xx xx d37b6b0d-52a6-40cb-8ba6-8980e85842cd 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) The transaction date is mentioned in the ROR/NRTC as xx/xx/2006 which is not consistent with the note date (xx/xx/2006).    
12833425 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) The settlement date is mentioned in the final HUD-1 as xx/xx/2006 but the original note date is xx/xx/2006.    
32328361 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing from the loan documents.    
32328361 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure is not hand signed by borrower.    
32328361 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Nevada $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan documents.    
32328361 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Nevada $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application is missing from the loan documents.    
32328361 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails Compliance Ease delivery and timing test for Initial closing disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is less than 3 business days from the consummation date xx/xx/2020.    
32328361 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliate business disclosure is missing from the loan documents.    
85511174 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) "The notice of servicing transfer disclosure is missing from the loan file."    
85511174 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) "ROR document is missing from the loan file."    
85511174 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplianceEase Risk Indicator is "Moderate"    
85511174 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
85511174 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Virginia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA right of rescission test.
ROR is missing from the loan file.		    
1683298 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure are missing from loan file.    
22522906 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer missing from loan file.    
22522906 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in loan file.    
22522906 xx xx xx c7478320-5532-4499-9e75-67c2535004af 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issues Active 2: Acceptable with Warnings * Settlement date is different from note date (Lvl 2) As per HUD-1, settlement date is different from note date.    
22522906 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the loan file.    
22522906 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from loan file.    
17993816 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
17993816 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan file.    
17993816 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from loan file.    
17993816 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx Non-QM QC Complete Pennsylvania $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) ComplianceEase Risk Indicator is "Elevated". due to GSE (Fannie Mae public guidelines) Seller Paid Points and Fees Exception Test, GSE (Freddie Mac public guidelines) Seller Paid Points and Fees Exception Test Fail.    
6352221 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Illinois $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
14028469 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Indiana $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal is missing from the given loan file.    
14028469 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure missing from the given loan file.    
14028469 xx xx xx 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Good Faith Estimate missing or unexecuted (Lvl 2) Good faith estimate is missing from the given loan file.    
14028469 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the given loan file.    
14028469 xx xx xx 6d175d99-f2e3-4d75-80a0-682f8b85b1ea 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Truth in Lending Disclosure is Missing (Lvl 2) Initial truth in lending is missing from the loan file.    
14028469 xx xx xx e99b279c-a3fe-4039-91dc-3f33c0f684d9 561 561-3210 xx Non-QM QC Complete Indiana $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Good Faith Estimate is Missing (Lvl 2) Initial good faith estimate is missing from the given loan file.    
74987710 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing proof of hazard insurance (Lvl 2) Hazard insurance policy is missing from the loan documents.    
74987710 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Subject loan closed with an appraisal. However, appraisal report is missing from the loan documents.    
74987710 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure signed by borrower is missing from loan documents.    
74987710 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed initial LE estimate delivery and timing test. Initial LE dated xx/xx/2020 delivered on xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.


Initial loan estimate is dated xx/xx/2020 and electronically signed on xx/xx/2020 which is greater than 3 days. Unable to determine delivery date due to missing doc tracker. TRID is failing for timing of initial LE.		    
74987710 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
74987710 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application is missing from the loan documents.    
74987710 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan fails state non compliant/ state high cost. Our CE result has passed state high costs test. Elevated for client review.    
45990326 xx xx xx 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c 561 561-3210 xx QM QC Complete California $xx Compliance Doc Issue Active 3: Curable * Good Faith Estimate missing or unexecuted (Lvl 3) Final good faith estimated documents is missing from his loan file.    
45990326 xx xx xx d37b6b0d-52a6-40cb-8ba6-8980e85842cd 561 561-3210 xx QM QC Complete California $xx Compliance Doc Issue Active 3: Curable * ROR Transaction date not consistent with Note and/or HUD (Lvl 3) HUD-1 closing date as xx/xx/2014. Notary signature date on the Mortgage/Deed of Trust is 07/xx/14.  ROR was signed by borrower on 07/xx/14 with an expiry date of 07/xx/14 and the loan closed on xx/xx/2014.    
45990326 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) 1. Loan failed TILA finance charge test. Finance charge disclosed on Final HUD-1 as $424,821.89. Calculated finance charge is $426,201.78 for an under disclosed amount of -$1,379.89.  Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is a refinance, originated on xx/xx/2014 and the SOL is 3 years.

2. Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on Final HUD-1 as $424,821.89. Calculated finance charge is $426,201.78 for an under disclosed amount of -$1,379.89.  Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is a refinance, originated on xx/xx/2014 and the SOL is 3 years.		    
45990326 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
32705924 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan has failed TILA Right of Rescission Test.

ROR is missing in the loan file.

This loan has failed TILA APR Test.

Final TIL is missing in the loan file.		    
32705924 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
32705924 xx xx xx 613834f7-95c5-41c1-9d96-b0fe90fa7b84 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State/Local Predatory Test Failed (Lvl 2) The loan failed the subprime home loan documentation type test. (NY SB 8143 Section 5, 4(a))
The document type of the loan is "No Asset Verification," "No Asset or Income Verification," "No Documentation," "No Income Verification," "Reduced," or "Streamline Refinance;" or
The documentation type of the loan was not provided. The documentation type is one of several factors that should be considered when making any subprime home loan.
The lender or broker should verify the borrower's ability to repay a subprime home loan based on several factors, including consideration of the borrower's current and expected income, current obligations, employment status, and other financial resources other than the borrower's equity in the real property that secures repayment of the subprime home loan.		    
32705924 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete New York $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application is missing from loan files.    
32705924 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from loan files.    
32705924 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx Non-QM QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller tape, loan is fail for State Non compliant/ State High Cost. The loan failed the subprime home loan documentation type test. (NY SB 8143 Section 5, 4(a)) The document type of the loan is "No Asset Verification," "No Asset or Income Verification," "No Documentation," "No Income Verification," "Reduced," or "Streamline Refinance;" or The documentation type of the loan was not provided    
32705924 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from loan files.    
32705924 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx Non-QM QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase State Regulations Test Failed (Lvl 2) This loan failed the NY subprime home loan test. (NY SB 8143 Section 5, 1(c))
Using the greater of the disclosed APR and the fully indexed rate, the loan is a subprime home loan, as defined in the legislation.

While the New York Subprime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy subprime home loans even if the additional conditions are met.		    
58476649 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow Account disclosure signed by borrower is missing from the loan documents.    
58476649 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA foreclosure rescission finance charge test.
Disclosed finance charge on final TIL is $275,075.75. However, calculated finance charge is$275,075.75 which is more than $242.55.
It is not considered accurate for purposes of rescission because it is understated by more than $35.		    
58476649 xx xx xx 08f7f0be-f4cf-4d4e-8244-193c7542c212 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issues Active 3: Curable * Not all borrowers signed HUD (Lvl 3) Final HUD-1 is not hand signed by borrower.    
85481407 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
76204179 xx xx xx 249ccfc8-8061-4638-a74f-933a4ad40fc5 561 561-3210 xx Non-QM QC Complete Maryland $xx Credit Legal Docs Active 2: Acceptable with Warnings * Loan has escrow holdback. No proof it was released (Lvl 2) Loan has Escrow holdback for repairs in the amount of $280.00. No proof found regarding release of escrow holdback.    
76204179 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx Non-QM QC Complete Maryland $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) This loan is an FHA. The MI certificate is missing from the loan file.    
76204179 xx xx xx 32e0d7b5-f4de-4b77-9574-04cce9803bb3 561 561-3210 xx Non-QM QC Complete Maryland $xx Credit Doc Issue Active 2: Acceptable with Warnings * Loan has escrow holdback. No proof it was released (Lvl 2) Loan has Escrow holdback for repairs in the amount of $280.00. No proof found regarding release of escrow holdback.    
90265612 xx xx xx d37b6b0d-52a6-40cb-8ba6-8980e85842cd 561 561-3210 xx Non-QM QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) ROR transaction date not consistent with note.    
90265612 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business document is missing from the loan files.    
85750263 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Required affiliated business disclosure is missing from the given loan file.    
85750263 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Application is missing from the given loan file.    
85750263 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) Right of rescission is missing from the given loan file.    
85750263 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final TIL is missing from the given loan file.    
85750263 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Ohio $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal is missing from the given loan file.    
85750263 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer is missing from the given loan file.    
85750263 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
85750263 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Ohio $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD-1 is missing from the loan file. Also, estimated HUD and itemization of fees are missing from the loan file.    
3505057 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application signed by the loan originator is missing from the loan documents.    
3505057 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI certificate is missing from the loan documents, where final closing disclosure reflects amount of insurance $43.58.    
3505057 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete California $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) Home has been affixed. According to the appraisal report located at “xx”, the type of subject property is a manufactured home. The ALTA 7 Endorsement is not attached with the final title policy. Also, the VIN# is not available in the legal description of the recorded mortgage.  The Manufactured housing rider attached with UT Pg#xx. The Mobile home affixation affidavit has been found located at xx, showing the subject property has been permanently affixed to a foundation.    
3505057 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed TRID total of payments test. Calculated amount is $xx. Threshold payment of $198,896.84. over by -$213.23.    
3505057 xx xx xx ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * LE/CD Issue date test Fail (Lvl 3) This Loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate.    
3505057 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 2: Acceptable with Warnings * Loan does not conform to program guidelines (Lvl 2) Tape shows SOL has not expired. CE result is showing TILA finance charge test and the loan is within SOL. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.    
3505057 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Loan failed TILA finance charge test. Finance charge disclosed on final closing disclosure is $69,604.18. Calculated finance charge is $69,872.84 for an under disclosed amount of -$268.66.  Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.


Loan failed TILA rescission finance charge test. Finance charge disclosed on final closing disclosure is $69,604.18. Calculated finance charge is $69,872.84 for an under disclosed amount of -$268.66.  Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.		    
61722128 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Kansas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
61722128 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete Kansas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) Initial Escrow acct disclosure is missing from loan files.    
32016575 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) Final GFE is missing from the loan files.    
32016575 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) ComplainceEase risk indicator is Moderate due to failure of TILA APR test.    
32016575 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan files.    
32016575 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure at origination is missing from the loan files.    
32016575 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) TILA APR Test failed due to missing TIL disclosure.    
69083038 xx xx xx 0238e091-16ab-4ee0-be60-c9009c789825 561 561-3210 xx Non-QM QC Complete Missouri $xx Compliance Compliance Active 3: Curable * HUD-1 Closing Statement missing or unsigned (Lvl 3) Final HUD is missing from the loan file. Also, estimated HUD and itemization are missing from the loan files.    
69083038 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Missouri $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) "The required affiliated business disclosure is missing from the loan file."    
69083038 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete Missouri $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) "Final Application is missing from the loan file."    
69083038 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Missouri $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
69083038 xx xx xx 04676c2d-9111-4e5e-859e-db974cdb7b7a 561 561-3210 xx Non-QM QC Complete Missouri $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Final TIL Missing or Not Executed (Lvl 2) "Final TIL is missing from the loan file."    
69083038 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete Missouri $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) "The notice of servicing transfer disclosure is missing from the loan file."    
69083038 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx Non-QM QC Complete Missouri $xx Compliance Compliance Active 2: Acceptable with Warnings * Right of Rescission missing or unexecuted (Lvl 2) "ROR is missing from the loan file."    
69083038 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete Missouri $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) "Appraisal is missing from the loan file."    
25797443 xx xx xx 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Good Faith Estimate missing or unexecuted (Lvl 2) Final Good Faith Estimate is missing from the loan documents    
25797443 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Valid Hazard Insurance Policy is missing. Loan funded on xx/xx/2009.  Hazard Policy in file reflects an effective date of xx/xx/2018 and an expiration date of xx/xx/2019.    
25797443 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
25797443 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx Non-QM QC Complete Texas $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account disclosure signed by borrower is missing from loan documents.    
43907497 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan files.    
43907497 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from the given loan file.    
29727559 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) 1. This loan failed the TILA finance charge test. The finance charge is $227,087.29. The disclosed finance charge of $226,661.37 is not considered accurate because it is understated by more than $100.

2. This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $227,087.29. The disclosed finance charge of $226,661.37 is not considered accurate for purposes of rescission because it is understated by more than $35.		    
29727559 xx xx xx e7610e7c-f8b8-45b0-b459-1caab9516f7b 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Missing Required State Disclosures (Lvl 2) The subject property is located in the North Carolina. The following state disclosures are missing in the loan file;
1. Credit Property Insurance Disclosure
2. Priority of Security Instrument Disclosure
3. Attorney Selection Disclosure		    
29727559 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business disclosure is missing from the loan documents.    
5620241 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application is missing from the loan documents.    
5620241 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Initial LE dated xx/xx/2020 reflects Points - Loan Discount Fee at $935.00 . However, Final CD dated xx/xx/2020 reflects Points - Loan Discount Fee at $945.00. This is increase of charges by +$10.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
5620241 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure is not signed by borrower..    
5620241 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The borrower's intent to proceed is missing in loan file.    
5620241 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
5620241 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows state non complaint/ state high cost. Our CE results shows loan passes federal and state high costs. Elevated for client review.    
66785696 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * GSE Points and Fees Test Violations (Lvl 2) This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds.    
66785696 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) CE TILA Test Failed,

1. This loan failed the TILA finance charge test.

The finance charge is $147,923.05. The disclosed finance charge of $145,723.52 is not considered accurate because it is understated by more than $100.

2. This loan failed the TILA APR test.
The annual percentage rate (APR) is 7.631%. The disclosed APR of 7.412% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method.		    
66785696 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx Non-QM QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE Risk Indicator is Moderate.    
40045918 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) Affiliated business form is missing from the loan document.    
40045918 xx xx xx 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * ROR not hand dated by borrower(s) (Lvl 2) ROR is not hand dated by borrowers.    
40045918 xx xx xx 57ebb2cd-7596-4166-9bd9-6f932a9e2595 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * TIL not hand dated (Lvl 2) TIL is not hand dated by borrowers.    
40045918 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing flood cert (Lvl 2) Flood certificate is missing from the loan document.    
40045918 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx Non-QM QC Complete North Carolina $xx Valuation Doc Issue Active 2: Acceptable with Warnings * Missing Appraisal (Lvl 2) Appraisal is missing from the loan document.    
40045918 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
40045918 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx Non-QM QC Complete North Carolina $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Servicing transfer document is missing from the loan document.    
40045918 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Application Missing (Lvl 2) Loan application is missing from the loan document.    
40045918 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx Non-QM QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) "Seller tape shows defect as "state non-compliant/ state high cost", however compliance result is "Minimal".    
94003098 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is  $xx and total expenses are in the amount of $2,124.46 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
94003098 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Market condition addendum is missing from the loan documents.    
94003098 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) In VA refinance loans, there should be waiting period or GAP between of 210 days first payment date of existing mortgage which is getting paid off and between closing of our new subject loans. In this loan the waiting period is not satisfied.    
94003098 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test.
Loan estimate dated xx/xx/2021 reflects points - loan discount fee at $4,298.00. However, final CD dated xx/xx/2022 reflects points - loan discount fee at $4,312.84.
Loan estimate dated xx/xx/2021 reflects credit report fee at $72.00. However, final CD dated xx/xx/2022 reflects credit report fee at $78.30.
Loan estimate dated xx/xx/2021 reflects transfer taxes fee at $1,183.00 However, final CD dated xx/xx/2022 reflects transfer taxes fee at $1,186.80.
This is a cumulative increase in fee of $24.94 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents..		    
35453203 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
35453203 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows borrower failed to complete homeownership counseling prior to closing.    
35453203 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account disclosure signed by borrower is missing from loan documents.    
35453203 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final application is missing from the loan documents.    
35453203 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $3,048.30 and the loan was underwritten by AUS/DU (locator# xx) and its recommendation is “Approve/Eligible” with xx%.    
81676304 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock provided expired on xx/xx/2021. However, loan closed on xx/xx/2021. No lock extension found.    
81676304 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows flood insurance premium update is needed. Coverage is accurate and escrow analysis is completed. File is too old for delivery to agency.    
81676304 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final application is missing from the loan documents.    
81676304 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure signed by borrower is missing from loan documents.    
81676304 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails Compliance Ease delivery and timing test for Closing Disclosure dated xx/xx/2021. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2021 which is after the Consummation date xx/xx/2021.    
20339538 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as second home but is NOO as BWR had property listed for rent 45 days after closing.    
43099435 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Montana $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed disclosure is missing from the loan file.    
43099435 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Montana $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS/xx/LP is missing from the loan file.    
43099435 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Montana $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock Agreement is available in the loan file located at PG#xx but it is not signed by the borrower.    
43099435 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Montana $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) Loan failed ComplianceEase TRID tolerance test failed due to initial loan estimate is missing from the loan documents.    
43099435 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete Montana $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial LE is missing from the loan file.    
43099435 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete Montana $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Subject was approved as a second home but is a condo unit in MT and per tape is part of a complex rental pool and has characteristics of commercial property. Elevated for client review.    
43099435 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Montana $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application signed by the loan originator is missing from the loan file.    
43099435 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete Montana $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Subject last purchase price of $xx on xx/xx/18. Current sales price $xx on 9/xx/21. No improvements noted in appraisal. Appraiser does note values have increased in last couple of years but this is more than xx% in 3 years. Elevated for client review.    
35511398 xx xx xx 64b4e88c-ac9f-44af-bd44-81df53d25df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 4: Unacceptable * Closing_Disclosure violations (Lvl 4) Per tape and file, subject note and mortgage executed on 10/xx/21 and disbursed on 10/xx/21, both prior to BWR signing CD on 10/xx/21. BWR letter in file acknowledging closing and disbursement on 10/xx/21. Reaching out to outside counsel for curing, if possible.    
35511398 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows subordination lien payment was not included in the DTI. DTI may rise to $xx%. Unable to rely on docs and unable to calc ATR.    
43859416 xx xx xx 399d40af-a75c-4340-9c3c-97eadb98a8dc 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Guidelines Active 2: Acceptable with Warnings * Cash out purchase (Lvl 2) The subject loan is purchase case. However, final CD dated xx/xx/2017 reflects cash to in the amount of $509.04.    
43859416 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
43859416 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS report is missing from the loan documents.    
43859416 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application is missing from the loan documents.    
43859416 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure document is missing from loan file.    
43859416 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Final transmittal summary is missing from the loan documents    
43859416 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Servicing transfer document is missing from loan file.    
43859416 xx xx xx c0aa4bc0-cd81-454c-9a74-9e258cdcde26 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * Missing Initial LE (Lvl 3) Initial loan estimate is missing from loan documents.    
43859416 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
43859416 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID tolerance test is incomplete due to initial LE is missing from loan documents.    
35830731 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) Loan failed qualified mortgage safe harbor threshold test due to APR calculated 6.229%. Exceeds APR threshold of 5.030%. Over by +1.199%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
35830731 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
35830731 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed higher-priced mortgage loan test due to APR calculated 6.229%. Exceeds APR threshold of 5.030%. Over by +1.199%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.

Loan failed CA AB 260 higher-priced mortgage loan test due to APR calculated 6.229%. Exceeds APR threshold of 5.030%. Over by +1.199%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.		    
35830731 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 reflects points - loan discount fee at $140.00. However, final CD dated xx/xx/2020 reflects points - loan discount fee at $636.66. This is an increase in fee of $496.66 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.

Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2020 reflects the sum of section C fees and recording fee at $1,848.00. However, final CD dated xx/xx/2020 reflects the sum of section C and recording fee at $2,395.00. This is a cumulative increase of $362.20 for charges that in total cannot increase more than 10% test. Valid COC for the increase in fee is missing from the loan documents.		    
35830731 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $7,716.62. Exceeds Fees threshold of $7,553.56. Over by +$163.06.
The below fees were included in the test:
Administration Fee paid by Borrower: $1,350.00
Mortgage Broker Fee (Indirect) $5,729.96
Points - Loan Discount Fee paid by Borrower: $636.66		    
35830731 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete California $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS report is missing from the loan documents.    
35830731 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails qualified mortgage lending policy points and fees test due to fees charged $7,716.62. Exceeds fees threshold of $7,553.56. Over by +$163.06.
The below fees were included in the test:
Administration Fee paid by Borrower: $1,350.00
Mortgage Broker Fee (Indirect) $5,729.96
Points - Loan Discount Fee paid by Borrower: $636.66		    
35830731 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan had an EPD. No further details available.    
29837529 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $1,438.88 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
29837529 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final Application signed by borrower is missing from loan documents.    
29837529 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by borrower is missing from loan documents.    
29837529 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2018 reflects the sum of Section C fees and Recording fee at $1,695.08. However, CD dated xx/xx/2018 reflects the sum of Section C and Recording fee at $1,589.50. This is a cumulative increase of +$105.58 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.

Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2018 reflects Points - Loan Discount Fee at $ $398.00. However, CD dated xx/xx/2018 reflects Points - Loan Discount Fee at $672.28. This is an increase in fee of +$274.28 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.

Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2018 reflects Appraisal Fee at $485.00. However, CD dated xx/xx/2018 reflects Appraisal Fee at $640.00. This is an increase in fee of +$155.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.		    
13690329 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * ComplianceEase State Regulations Test Failed (Lvl 3) Loan failed the New Jersey mortgage banker or correspondent mortgage banker license prohibited fees test. The below fees were included in the test:
Attorney's Fee paid by Borrower: $1,000.00
Title - Title Services paid by Borrower: $190.00
Title - UCC Preparation Fee paid by Borrower: $25.00		    
13690329 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
27493008 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan document.    
27493008 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows borrower was delinquent at or before delivery. No further details available.    
17019051 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $257,293.04. Calculated finance charge is $257,343.04 for an under disclosed amount of $50.00.  Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.    
17019051 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $3,308.95 and the loan was underwritten by LP (locator# xx) and its recommendation is Accept with a DTI of xx%.    
17019051 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Initial loan estimate delivery date test due to initial LE dated xx/xx/2020 and delivered on xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.    
17019051 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed initial LE estimate delivery and timing test. Initial LE dated xx/xx/2020 delivered on xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.    
17019051 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Utah $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
17019051 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete Utah $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Tape shows appraisal value not supported and further details not provided. Appraisal in file shows comps used have large adjustments up and down to arrive at value. Subject is located in a in a subdivision but comps are beyond the area.    
15069883 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Oregon $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from loan documents.    
15069883 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed initial LE estimate delivery and timing test. Initial LE dated xx/xx/2021 delivered on xx/xx/2021 which is more than 3 business days from initial application date xx/xx/2021.    
15069883 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $3,567.92 and the loan was underwritten by DU (locator#xx) and its recommendation is Approve/Eligible with a DTI of xx%.    
15069883 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Seller tape shows borrower was not employed at the time of closing and he started his new job on xx/xx/2021 and then lost that job as well. Unable to rely on document in file and unable to calculate ATR    
86290831 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI certificate is missing from the loan documents.    
86290831 xx xx xx 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Valuation Property Active 4: Unacceptable * Property Marketability Issues  (Lvl 4) Tape shows subject had a flip issue. Appraisal shows prior sale 2/xx/21 for $xx and subject appraisal 5/xx/21 for $xx. No reasons provided for increase in less than 3 mos, no noticeable improvements. Comps appear to be superior to subject. Elevated for client review.    
263383 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
263383 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) The subject property type is manufactured home.
As per the appraisal report located at "xx - package Pg#xx" the subject property type is manufactured home with VIN#xx.
There is final title policy in file but does not show  xx   document in the loan file. The home is permanently affixed. The manufactured home rider attached with recorded mortgage located atxxshows the VIN#xx.		    
263383 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan was approved by DU at a DTI of xx% & its recommendation is refer with caution. Tape shows loan closed with wrong AUS.    
45243583 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $1,489.00 on PCCD dated xx/xx/2021. There is a total fee increased of $1,489.00 for a non-shoppable fee which exceeded the 0% tolerance for non-shoppable fees.    
45243583 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer disclosure is missing from the loan file.    
45243583 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).

3. This loan failed the revised closing disclosure delivery date test (waiting period required). The revised closing disclosure delivery requires a new waiting period and the revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date.		    
45243583 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) FHA MI certificate is missing from the loan file.    
45243583 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Valuation Doc Issue Active 4: Unacceptable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) Appraisal report dated xx/xx/2021 is subject to completion of construction of the property. 1004D update/completion report is missing from loan file. Final CD does not reflect any holdback.    
45243583 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and the total expenses are in the amount of $3,305.94 and the loan was underwritten by AUS/DU (locator#xx) & its recommendation is “Approve/Eligible” and DTI is showing in it as xx%.    
45243583 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Loan failed the TRID total of payments test. Total of payment calculated $678,985.96 exceeds disclosed total of payment of $677,190.77 over by $1,795.19. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
45243583 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) Loan failed higher priced mortgage loan test due to APR charged 4.739% exceeds APR threshold of 4.700% over by +0.039%. Signed HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
45243583 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is "moderate" since this loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe harbor threshold test since an APR (4.868%) exceeded APOR (4.700%) by 0.168% & APR threshold is 4.700%. HPML disclosure signed by the borrower is missing from the loan file and the subject loan is escrowed.    
45243583 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) The subject loan was approved at the DTI of xx%. Tape shows BWR income was not validated. Further details are not provided to confirm the same. Unable to rely on the documents in the loan file and unable to calculate ATR.    
24187343 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape reflects following issue, appraisal requirements were not met the subject mortgage was completed as a cash-out refinance with no appraisal. LPA evaluation was $xx result in an LTV of xx%. The market value estimate shown on UCDP appraisal was $xx with the LTV of xx%. PIW disclosure is located on pg xx and xx disclosure is missing from the loan documents.    
24187343 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 does not reflect Relock fee. However, CD dated xx/xx/2021 reflects Relock fee at $597.50. This is an increase in fee of $587.50 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.

Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated 0xx/xx/2021 reflects Transfer Taxes fee at $465.00. However, CD dated xx/xx/2021 reflects Transfer Taxes fee at $490.00. This is an increase in fee of +$25.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.		    
24187343 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $6,890.50 Exceeds Fees threshold of $6,885.84 over by +$4.66.
The below fees were included in the test:
Loan Origination Fee paid by Borrower: $895.00
Mortgage Broker Fee paid by Borrower: $5,408.00
Relock Fee paid by Borrower: $587.50		    
24187343 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $6,890.50 Exceeds Fees threshold of $6,885.84 over by +$4.66.
The below fees were included in the test:
Loan Origination Fee paid by Borrower: $895.00
Mortgage Broker Fee paid by Borrower: $5,408.00
Relock Fee paid by Borrower: $587.50		    
52981004 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) MI certificate is missing from the loan documents.    
52981004 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan failed the GSE QM points and fees test due to fees charged: $3,800.40 fees threshold : $3,445.00 over by +$355.40.  The following fees were included in the test:  Loan Origination Fee paid by Borrower: $895.00 Points - Loan Discount Fee paid by Borrower: $2,905.40    
52981004 xx xx xx cd78c3d6-5980-4171-a589-a92d6a853351 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Rebuttable Presumption - defined by loan findings (Lvl 3) Loan failed the FHA QM rebuttable presumption test due to fees charged: $3,800.40 fees threshold : $3,308.00 over by +$492.40.  The following fees were included in the test:  Loan Origination Fee paid by Borrower: $895.00 Points - Loan Discount Fee paid by Borrower: $2,905.40    
52981004 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows that loan is uninsured as the appraisal report dated xx/xx/2021 expired before closing date xx/xx/2022. 1004D report dated xx/xx/2021 was performed to verify any decline in the property value since the original appraisal and as per 1004D there was no decline in the property value.    
52981004 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails qualified mortgage points and fees test due to fees charged $3,800.40 fees threshold $3,445.00 over by +$355.40. The below fees were included in the test: Loan Origination Fee paid by Borrower: $895.00 Points - Loan Discount Fee paid by Borrower: $2,905.40    
52981004 xx xx xx 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Compliance Testing (Lvl 2) Loan failed FHA QM safe harbor test due to APR charged 3.498% APR threshold 5.101% variance -1.603%.    
4380019 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Initial loan estimate dated xx/xx/2020 does not reflects  Points - Loan Discount Fee. However, final CD dated xx/xx/2020 reflects Points - Loan Discount Fee at $7,500.00. This is an increase in fee of $7,500.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.



Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2020 reflects the sum of section C fees and recording fee at $183.00. However, CD dated xx/xx/2020 reflects the sum of section C and recording fee at $275.00. This is a cumulative increase of $73.70 for charges that in total cannot increase more than 10% test. Final CD dated xx/xx/2020 reflects specific credit of $73.70 for increase in closing costs above legal limit however specific lender credit is not getting tested for cure.		    
4380019 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The borrower's intent to proceed is missing in loan file.    
4380019 xx xx xx 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 4: Unacceptable * Compliance Testing (Lvl 4) Seller defect and review of the loan reflects this loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date (xx/xx/2021) is more than 60 calendar days after the consummation date (xx/xx/2020).    
23265656 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $4,427.96 and the loan was underwritten by DU (locator#xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
23265656 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
23265656 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
23265656 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan approved at . Tape shows SE income miscalculation may push DTI to over . Further details not provided. Unable to rely on docs in file and unable to calc ATR.    
23265656 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed TRID tolerance test charges that cannot increase 0% and charges that in total cannot increase more than 10% test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2020 which is digitally received on xx/xx/2018 which is more than 3 business days from initial application date xx/xx/2020.    
20410753 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Property is commercial. Tape and appraisal show subject is a unit in the xx in xx TN. GSE rejected due to excessive commercial space. Elevated for client review.    
20410753 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
20410753 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan failed compliance ease delivery and timing test for revised CD dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is after the Consummation date xx/xx/2020.    
87593337 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Property is commercial. Tape and appraisal show subject is a unit in the xx in xx TN. GSE rejected due to excessive commercial space. Elevated for client review.    
78952994 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 reflect Transfer Taxes $2,258.00. However, CD dated xx/xx/2020 reflects Transfer Taxes at $2,564.20. This is an increase in fee of $306.20 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
78952994 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Property is commercial. Tape and appraisal show subject is a unit in the xx in xx TN. GSE rejected due to excessive commercial space. Elevated for client review.    
78952994 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock provided expired on xx/xx/2020 and the loan closed on xx/xx/2020. No lock extension found.    
24542910 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the borrower’s income is $xx and total expenses are in the amount of $4,303.03 and the loan was underwritten by DU locator# xx and its recommendation is “Approve/Eligible” with a DTI of XX%.    
24542910 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at XX% Tape shows underwriter failed to include co-borrower's debt into liabilities and including them may DTI may push to XX%. Unable to rely on docs in file and unable to calc ATR.    
24542910 xx xx xx fbdf2672-bb78-4d47-8239-175dbfaf8564 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Credit Active 2: Acceptable with Warnings * Final Application Incomplete (Lvl 2) Final application is not hand signed and not hand dated by borrower.    
24542910 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE QM points and fees test due to fees charged $11,314.80 exceeds fees threshold of $8,212.50 over by +$3,102.30.
The below fees were included in the test:
Points - Loan Discount Fee paid by Borrower: $10,019.80
Processing Fee paid by Borrower: $695.00
Underwriting Fee paid by Borrower: $600.00		    
24542910 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails qualified mortgage lending policy points and fees test due to fees charged $11,314.80 exceeds fees threshold of $8,212.50 over by +$3,102.30.
The below fees were included in the test:
Points - Loan Discount Fee paid by Borrower: $10,019.80
Processing Fee paid by Borrower: $695.00
Underwriting Fee paid by Borrower: $600.00		    
24542910 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock provided expired on xx/xx/2020 and the loan closed on xx/xx/2020. No lock extension found.    
65125924 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows loan is not saleable due to initial closing disclosure is backdated at closing to meet the 3 day timing requirement. Unable to rely on documents in file. Elevated for client review.    
65125924 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Market condition addendum is missing from the loan documents.    
65125924 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Tennessee $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
23665686 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at 35.50%. Tape shows borrower was not employed at closing. Unable to rely on docs in file and unable to calc ATR.    
23665686 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 4.427% exceeds APR threshold of 4.360% over by +0.067%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
23665686 xx xx xx 9de3b1ab-eef9-4104-9298-668f6bdd5470 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Valuation Property Active 2: Acceptable with Warnings * Property is Manufactured Housing (Lvl 2) As per appraisal report at the time of origination of the loan located at xx, the subject property is a “Manufactured Home” with a VIN#xx”.The manufactured home affidavit for Retirement of Title certificate located at xx” that the manufactured Home is attached to a permanent foundation system. The mortgage shows VIN#xx & final title policy is also not showing that the ALTA-7 endorsement for subject property as manufactured Home. The updated title report dated shows the manufactured home with VIN#xx and model as xx..    
23665686 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete South Carolina $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
59901801 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete California $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) Net operating income is $26,988.52 and annual payments (Debt Services) is $29,312.76 and their debt service cover ratio (DSCR) is 0.92 which is less than 1.    
94785777 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) The subject loan was approved at the DTI of XX% Provided seller’s tape shows an alert that the borrower's self-employment income was calculated incorrectly and recalculated income may push DTI to XX% Unable to rely on the documents in the loan file and unable to calculate ATR.    
94785777 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Washington $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) The subject loan was closed without an appraisal. However, the PIW disclosure signed by the borrower is missing from the loan file.    
94785777 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer disclosure is missing from the loan file.    
94785777 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
23328720 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
23328720 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at XX%. Tape shows miscalculation of overtime income and recalculated income may push DTI over XX%. Unable to rely on documents in file and unable to calculate ATR.    
23328720 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX%. The borrower’s  income is $xx and total expenses are in the amount of $2,788.50 and the loan was underwritten by DUlocator# xand its recommendation is approve/eligible for a DTI of XX%.    
56873720 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Final Transmittal Summary with correct loan amount is missing from the loan documents.    
56873720 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
56873720 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS report with subject loan amount is missing from the loan documents.    
56873720 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows subject loan closed with xx% LTV. Further details not provided.    
95416211 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the borrower’s income is $xx and the total expenses are in the amount of $5,569.75 and the loan was underwritten by AUS/DUlocator# xx & its recommendation is “Approve/Eligible” and DTI is showing in it as XX%.    
95416211 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).		    
95416211 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $8,156.00 on final CD dated xx/xx/2021. There is a total fee increased of $8,156.00 for a non-shoppable fee which exceeded the 0% tolerance for non-shoppable fees.    
95416211 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape shows an alert that the home is almost completely repaired but still needs a final report; borrower did not make any payments on the loan for six months; MI was canceled due to non payment;  LTV of xx% with no MI; payments are now current. Appraisal report dated xx/xx/2020 used at the closing is "As is". However, post close appraisal report dated xx/xx/2021 is subject to replacement of the hardwood flooring. Estimated amount of repairs is not available and 1004D update/completion report is missing from the loan documents.    
95416211 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 4: Unacceptable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) Appraisal report dated xx/xx/2020 used at the closing is "As is". However, post close appraisal report dated xx/xx/2021 is subject to replacement of the hardwood flooring. Estimated amount of repairs is not available and 1004D update/completion report is missing from the loan documents. Tape confirms that home remodeling was not complete.    
72398161 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the borrower’s income is  $xx and total expenses are in the amount of $7,366.68 and the loan was underwritten by LP (locator# xx) and its recommendation is “Accept” with a DTI of XX%.    
72398161 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan is primary refinance. Tape shows loan is non-salable due to Texas A6 closed without appraisal. Texas FMV disclosure is available and can be located at xx.    
72398161 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Texas $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Loan is closed with PIW. However, PIW is missing from the loan documents. Texas FMV disclosure is available and can be located at xx.    
72398161 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Final transmittal summary is missing from the loan documents.    
23042317 xx xx xx 9325f611-c110-4bce-be23-1105ec9f59e8 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit AUS Active 3: Curable * Missing DU/GUS/AUS as required by guidelines (Lvl 3) AUS report is missing from the loan document.    
23042317 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2021 reflects the sum of Section C fees and Recording fee at $ $861.00. However, CD dated xx/xx/2021 reflects the sum of Section C and Recording fee at $ 964.64. This is a cumulative increase of $ +$17.54 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.    
23042317 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
23042317 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX%, the borrower’s income is $xx and total expenses are in the amount of $1,277.58 AUS report is missing from the loan documents.    
86923384 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) The Pennsylvania HB 2179 requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November 5th, 2008. The Pennsylvania mortgage lender license and Pennsylvania exemption letter (Mortgage Act) are not available for loans with a closing date before November 5th, 2008. Additionally, the Pennsylvania first mortgage banker license, Pennsylvania secondary mortgage loan license, Pennsylvania unlicensed (Subordinate Lien), and Pennsylvania exemption letter are not available for loans with a closing date on or after January 1st, 2009.    
86923384 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject approved at xx%. Tape shows credit documents were expired prior to closing. However, it is not possible to get eligible findings. Further details are not provided.    
86923384 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Pennsylvania $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
59718580 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
59718580 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on final CD as $120,240.09. Calculated finance charge is $120,451.49 for an under disclosed amount of $211.40. Reason for finance charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.    
59718580 xx xx xx fbdf2672-bb78-4d47-8239-175dbfaf8564 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Credit Credit Active 2: Acceptable with Warnings * Final Application Incomplete (Lvl 2) Final application is electronically signed by borrower.    
59718580 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Foreclosure rescission finance charge disclosed on final CD as $120,240.09. Calculated finance charge is $120,451.49 for an under disclosed amount of $211.40. Reason for finance charge under disclosure is unknown as the Fee Itemization is missing.    
59718580 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows the purpose of loan type is conventional refinance and original loan must be owned by Freddie to be eligible for this product. Original mortgage not owned by Freddie and no remediation possible.    
91425011 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Washington D.C. $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows credit repulled after closing and with the score dropping to 675 the LP is now a caution. With this being a homeone this program does not allow a caution.    
45983616 xx xx xx 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit document is missing from the loan file.    
45983616 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Minnesota $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the borrower's income is $2,306.29 and total expenses are in the amount of $1,186.41 and the loan was underwritten by AUS/DU (locator#xx) and its recommendation is Approve/Ineligible with a DTI of XX%.    
46116899 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the borrower’s income is $xx and the total expenses are in the amount of $2,323.29 and the loan was underwritten by AUS/DU (locator#xx) & its recommendation is “Approve/Eligible” and DTI is showing in it as XX%.    
46116899 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that cannot increase test. Missing valid COC for a total fee increased of $109.94 on final CD dated xx/xx/2020. There is a total fee increased of $109.94 for a non-shoppable fee which exceeded the 0% tolerance for non-shoppable fees.    
46116899 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) The subject loan was approved at the DTI of XX%. Tape shows undisclosed mortgage with xx and resulting DTI of XX% Unable to rely on the documents in the loan file and unable to calculate ATR.    
46116899 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. 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).		    
58111333 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the borrower’s income is $xx and total expenses are in the amount of $4,714.61 and the loan was underwritten by LP (locator# xx) and its recommendation is “Accept” with a DTI of XX%.    
58111333 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape reflects income miscalculation over BWR 1 fluctuating income and BWR2 SE business was not verified. Unable to rely on docs in file and unable to calc ATR.    
10328090 xx xx xx 399d40af-a75c-4340-9c3c-97eadb98a8dc 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 2: Acceptable with Warnings * Cash out purchase (Lvl 2) Subject is purchase case. However, final CD reflects cash to in the amount of $476.99    
10328090 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock provided expired on xx/xx/2021 and the loan closed on xx/xx/2021. No lock extension found.    
10328090 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows LP received a risk class of caution and the loan was underwritten without justification. As per the rule guide, section 5102.2(b) latter of justification supported by appropriate documentation for the risk factor identifying in LP is missing.    
24116311 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per Tape, loan was closed with invalid SSN# of borrower Mary Lou Hernandez. Later, SSN# has been corrected on Credit report dated xx/xx/2021 which is after Note date xx/xx/2021. AUS dated xx/xx/2021 reflects DTI as 39% with recommendation Caution.    
24116311 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard insurance policy is missing from the loan documents.    
24116311 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
33890545 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed TILA post-consummation revised closing disclosure foreclosure rescission finance charge test. Finance charge disclosed on post-closing disclosure as $415,347.56. Calculated finance charge as $415,411.31, variance -$63.75. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is a refinance, originated on xx/xx/2022 and the SOL is 3 years.    
33890545 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
33890545 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows original note in loan file is electronically signed. Loan received a risk classification of caution due to the recent delinquency and low reserves. This loan is subsequently manually underwritten; however, the loan does not qualify to be manually underwritten.  Minimum 660 of FICO score is required for XX% LTV but borrower's representative FICO score is 654. DTI XX%.    
33890545 xx xx xx 0270b5a0-6846-4580-a03f-12f44a18d0d3 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Credit Doc Issue Active 2: Acceptable with Warnings * Note is missing or unexecuted (Lvl 2) Note document in the loan is not hand signed by the borrower but it is electronically signed.    
33890545 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Loan failed TILA fFinance charge disclosed on final closing disclosure as $415,297.56. Calculated finance charge is $415,411.31 for an under disclosed amount of -$113.75. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is a refinance, originated on xx/xx/2022 and the SOL is 3 years.

Loan failed TILA rescission finance charge test. fFinance charge disclosed on final closing disclosure as $415,297.56. Calculated finance charge is $415,411.31 for an under disclosed amount of -$113.75. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is a refinance, originated on xx/xx/2022 and the SOL is 3 years.		    
13348988 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the borrower’s income is $xx and total expenses are in the amount of $1,781.52 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of XX%.    
13348988 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure signed by borrower is missing from loan documents.    
13348988 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows, a Non-Warrantable Project the project does not maintain the needed flood insurance coverage to meet GSE warrant ability standards so the unit is non-warrantable. A project warranty can be issued to facilitate the moving forward. The file was underwritten for credit, income, source of funds and employment in accordance with the AUS/GSE Standards.    
40699726 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) Net operating income is $12,317.64 and annual payments (Debt Service) is $20,573.40 and there debt service cover ratio (DSCR) is 0.60 which is less than 1.    
40699726 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is NOO. Tape shows loan was repurchased due to SE income and debt miscalculation. Corrected income calculation pushed DTI to XX%    
19315565 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is NOO. Seller defect shows income docs missing and miscalculation of income.    
19315565 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) The net operating income is $9,442.32 and annual payments (Debt Service) is $7,657.68 and there debt service cover ratio (DSCR) is 0.39 which is less than 1.    
89085430 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) Loan failed higher-priced mortgage loan test due to APR calculated 4.859% exceeds APR threshold of 4.640% over by +0.219%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
89085430 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Alabama $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows flip issue. There are 2 appraisals obtained dated xx/xx/2021 and xx/xx/2021. As per xx/xx/2021 dated appraisal date of prior sale/transfer is xx/xx/2021. Price of prior sale/transfer is $133,000.00. As per updated appraisal report, the date of prior sale/transfer is xx/xx/2021. Price of prior sale/transfer is $1 and subject property sales price is $xx. There are no prior renovations made.    
89085430 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the borrower’s income is $xx and total expenses are in the amount of $2,082.18 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Eligible” with a DTI of XX%.    
89085430 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock provided expired on xx/xx/2021 and the loan closed on xx/xx/2021. No lock extension found.    
89085430 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Alabama $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI certificate is missing from the loan documents.    
89085430 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete Alabama $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final application is missing from the loan documents.    
82095501 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows defect as fluctuating income. Unable to rely on docs in file and unable to calc ATR.    
82095501 xx xx xx 399d40af-a75c-4340-9c3c-97eadb98a8dc 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 2: Acceptable with Warnings * Cash out purchase (Lvl 2) The subject loan is purchase case. However, the final CD dated reflects cash to in the amount of $244.46.    
82095501 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on Final CD as $109,505.96. Calculated Finance charge is $110,490.36 for an under disclosed amount of -$984.40. Reason for Finance Charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
82095501 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
82095501 xx xx xx 0270b5a0-6846-4580-a03f-12f44a18d0d3 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Doc Issue Active 3: Curable * Note is missing or unexecuted (Lvl 3) As per the review of loan document, Note is electronically signed by borrower.    
82095501 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) The total of payments is $309,946.36. The disclosed total of payments of $305,791.96 is not considered accurate because it is understated by more than $100.    
68796659 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Per tape, AUS is invalid. As per AUS, recommendation is Caution with DTI xx% due to strong indication of excessive layering of risk and investment quality is unlikely. No further details have been found.    
68796659 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $1,182.84 and the loan was underwritten by LP (locator# xx) and its recommendation is “Caution" with a DTI of xx%.    
56242063 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) Net operating income is $xx and annual payments (Debt Service) is $xx and there Debt Service Cover Ratio (DSCR) is 0.56 which is less than 1.    
56242063 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is NOO. Seller tape shows self-employed income guidelines not met due to income docs are missing from the loan file.    
44072427 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 4.441% exceeds APR threshold of 4.410% over by +0.031%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
44072427 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed Higher-Priced Mortgage Loan test due to APR calculated 4.469% exceeds APR threshold of 4.410% over by +0.059%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
44072427 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
44072427 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Delaware $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Subject initially approved at xx% Tape and file showed income not verified and omitted debts. Revised AUS in file showing approve/ineligible at xx%.    
82169098 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject loan originated as investment. However, proceeds from the cash out was used to pay off borrowers consumers debts. Hence, subject loan was considered as primary occupancy.    
82169098 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan documents.    
82169098 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Initial CD dated xx/xx/2021 reflects lock extension fee at $260.63. However, CD dated xx/xx/2022 reflects lock extension fee at $342.25. This is an increase in fee of $81.62 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
82169098 xx xx xx 7709325a-27a3-41ef-8dbd-dbc188f4628c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Right of Rescission missing or unexecuted (Lvl 3) Right of rescission is missing from the loan documents.    
82169098 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows rental income not verified and may push DTI over xx%. Unable to rely on income document in file and unable to calculate ATR.    
82169098 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower’s income is $xx and total expenses are in the amount of $2,840.15 and the loan was underwritten by LP (locator# xx) and its recommendation is “Accept” with a DTI of xx%.    
56020219 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $3,862.50 and the loan was underwritten by DU (locator# Phillips #xx) and its recommendation is “Approve/Eligible” with a DTI of xx%.    
56020219 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
56020219 xx xx xx 5f851c75-f700-45d7-a23f-6ab91e1bbb38 561 561-3210 xx QM-TRID QC Complete California $xx Credit LTV/CLTV Active 4: Unacceptable * CLTV exceeds guidelines (Lvl 4) LTV over 100%. Subject acquired within last 12 months for $xx and loan amount $xx. Tape shows seller used appraised value of $xx and LTV 87%. Elevated for client review.    
56020219 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) This loan is FHA. Mortgage insurance certificate is missing from loan documents.    
88982403 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the borrower’s income is $xx and total expenses are in the amount of $1,548.81 and the loan was underwritten by AUS/LP (locator# xx) and its recommendation is “Approve/Eligible” with xx%.    
88982403 xx xx xx 399d40af-a75c-4340-9c3c-97eadb98a8dc 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 2: Acceptable with Warnings * Cash out purchase (Lvl 2) Subject loan is purchase; however, Final CD reflects cash to in the amount of $16,715.14.    
88982403 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure is missing from the loan file.    
88982403 xx xx xx e17a3838-56de-4fcb-8532-4289ad651a81 561 561-3210 xx QM-TRID QC Complete Florida $xx Valuation Doc Issue Active 3: Curable * Missing Appraisal (Lvl 3) Appraisal report is missing from the loan file.    
88982403 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at xx%. Tape shows income miscalculation and income was not sufficiently documented. Further details not provided. Excluding the income pushes the DTI to xx%. Unable to rely on documents in file and unable to calculate ATR.    
40182449 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. The finance charge is $148,100.34. The disclosed finance charge of $147,800.29 is not considered accurate because it is understated by more than $100. Subject loan is a purchase, originated on xx/xx/2020 and the SOL is 1 year.    
40182449 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the borrower’s income is $xx and the total expenses are in the amount of $2,509.18 and the loan was underwritten by AUS/LP (locator#xx) & its recommendation is “Accept” and DTI is showing in it as XX%.    
40182449 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) CE risk indicator is "moderate" since this loan failed the revised closing disclosure delivery date test (no waiting period required). The revised closing disclosure delivery does not require a new waiting period and the revised closing disclosure receipt date is provided and the revised closing disclosure receipt date (xx/xx/2020) is after the consummation date, or closing / settlement date (xx/xx/2020).    
65201670 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
65201670 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Nevada $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at XX%. Tape shows income miscalculation may push DTI higher. No further details are available. Unable to rely on docs in file and unable to calc ATR.    
63508024 xx xx xx 64b4e88c-ac9f-44af-bd44-81df53d25df8 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Closing_Disclosure violations (Lvl 2) Final closing disclosure dated xx/xx/2021 is electronic signed by borrower.    
63508024 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
63508024 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows first time home buyer cert is not completed prior to note date.    
89135603 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $5,309.00 Exceeds Fees threshold of $4,953.92 Over by +$355.08.
The below fees were included in the test:
Points - Loan Discount Fee paid by Borrower: $3,919.00
Processing Fee paid by Borrower: $395.00
Underwriting Fee paid by Borrower: $995.00


Loan failed GSE qualified mortgage APR threshold test due to APR calculated 5.185%. Exceeds APR threshold of 5.100%. Over by +0.085%. Subject loan is escrowed.		    
89135603 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed qualified mortgage safe harbor threshold test due to APR calculated 5.185%. Exceeds APR threshold of 4.350%. Over by +0.835%. Subject loan is escrowed.

Loan fails qualified mortgage lending policy points and fees test due to Fees charged $5,309.00. Exceeds fees threshold of $4,953.92. Over by +$355.08.
The below fees were included in the test:
Points - Loan Discount Fee paid by Borrower: $3,919.00
Processing Fee paid by Borrower: $395.00
Underwriting Fee paid by Borrower: $995.00

Loan failed qualified mortgage APR threshold test due to APR calculated 5.185%. Exceeds APR threshold of 4.350%. Over by +0.835%. Subject loan is escrowed.		    
89135603 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
35925951 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
35925951 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Subject approved at xx%. Tape and file show revised AUS as approve/Ineligible at x%, QM failure. Tape noted income miscalculation and income not documented.    
81254023 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows defect as Missing HO6 Hazard Policy - Gap in coverage as the current coverage covers the current build but not enhancements. The borrower has not completed a home ownership education course prior to the note date.    
94345457 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) The subject approved at XX%. Tape shows SE income miscalculation using 12 mos instead of 24 mos pushes DTI to XX%. AUS invalidated. Unable to rely on the documents in the loan file and unable to calculate ATR.    
94345457 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) CE risk indicator is "moderate" since this loan failed the TILA finance charge test. The finance charge is $205,700.75. The disclosed finance charge of $205,475.75 is not considered accurate because it is understated by more than $100.
Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.		    
94345457 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) 1. This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.

2. This loan failed the closing or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement date or a consummation date (or closing / settlement date).		    
94345457 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the charges that cannot increase test. Missing valid COC for a total fee increase of $2,205.00 on PCCD dated xx/xx/2021. There is a total fee increase of $2,205.00 for a non-shoppable fee which exceeded the 0% tolerance for non-shoppable fees.    
61876819 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller tape loan is delinquent. According to payment history as of xx/xx/2022, the borrower is currently delinquent for 1 month and the next due date for payment is xx/xx/2022. The last payment was received on xx/xx/2022 in the amount of $2,639.63 which was applied for due date xx/xx/2021.    
61876819 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
83912341 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) FHA MI certificate is missing from the loan file.    
83912341 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape shows an alert that theFHA case number assignment is invalid or expired.    
83912341 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit Report is missing from loan file.    
83912341 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer disclosure is missing from the loan file.    
73323464 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) This is an FHA loan. The mortgage insurance certificate is missing from the loan documents.    
73323464 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflects transfer taxes at $1,890.00. However, CD dated xx/xx/2021 reflects transfer taxes at $1,917.24. This is an increase in fee of $27.24 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
73323464 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows amount seller credit exceeded guidelines; Seller contribution of xx% was made on the loan which exceeds the threshold of 3% on FHA loan with LTV/CLTV of xx%. Customer unwilling to participate with manual underwriting process to meet guidelines so loan is uninsured.    
26186515 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing in the loan file.    
26186515 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
26186515 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from loan documents.    
26186515 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller tape borrower is not eligible for forbearance due to delinquency. The next due for regular payment is xx/xx/2022. No evidences are available in updated payment history that confirms when the last regular payment has been made for xx/xx/2022.    
35789283 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan document.    
35789283 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape date shows issues with.

Minimum required investment not met; short $2173.		    
35789283 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan has failed Charges That Cannot Increase Test, because Initial LE dated xx/xx/2019 shows Transfer Taxes Fee at $1.00 and Final CD dated xx/xx/2019 shows  Transfer Taxes Fee at $240.80. This is a fee increase of $239.80 for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees.    
35789283 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Ohio $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) The MI certificate is missing from the loan file.    
35789283 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Ohio $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This Loan has failed Reimbursement Amount Validation Test and Consummation or Reimbursement Date Validation Test.    
36501743 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is NOO. Tape shows borrower was not employed at closing. DTI may rise higher.    
36501743 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) The effective gross income is $19,380.00. Total annual operating expenses are $15,442.44 and annual payments are in the amount of $26.901.60. Hence, Debt Service Cover Ratio is 0.15.    
85963771 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Missouri $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX%, the borrower’s income is $xx and total expenses are in the amount of $513.00 and the loan was underwritten by LP (locator# xx) and its recommendation is accept/eligible with a DTI of XX%.    
85963771 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx QM-TRID QC Complete Missouri $xx Compliance Compliance Active 3: Curable * ComplianceEase State Regulations Test Failed (Lvl 3) Loan failed the Missouri Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. Fee charged $4,784.00, over by +$4,784.00. The below fees were included in the test: Points - Loan Discount Fee paid by Borrower: $4,784.00.    
85963771 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Missouri $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows the loan closed as LP with PIW. Subject loan closed without an Appraisal. However, PIW disclosure signed by the borrower is missing from the loan documents.    
85963771 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Missouri $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) Intent to proceed is missing in loan file.    
85963771 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Missouri $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID Violation due to decrease in lender credit on final closing disclosure dated xx/xx/2020. Initial loan estimate dated xx/xx/2020 reflects non-specific lender credit at +$450.00. However, final closing disclosure dated xx/xx/2020 does not reflects non-specific lender credit. This is decrease of +$450.00 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.    
85963771 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Missouri $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Subject loan closed without an Appraisal. However, PIW disclosure signed by the borrower is missing from the loan documents.    
70913494 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Subject loan closed with an no appraisal. However, PIW disclosure signed by the borrower is missing from the loan documents.    
70913494 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The borrower's intent to proceed is missing in loan file.    
70913494 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX%, the borrower’s income was $xx and total expenses are in the amount of $4,091.14 and the loan was underwritten by LP (locator# xx) and its recommendation is Accept with a DTI of XX%.    
70913494 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
70913494 xx xx xx ebd7fc7c-fc00-428d-8dd3-cfd3478eadae 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Valuation Value Active 4: Unacceptable * Value used by lender not supported (Lvl 4) Tape shows appraised value of $xx. used at closing is not supported. Subject loan closed with PIW; however, PIW is lost. Latest appraisal report shows property value come down to $xx which pushes the LTV/CLTV from xx to xx%."   Current UPB $xx with LTV xx%. Elevated for client review.    
28772232 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The Borrower's Intent to proceed is missing in loan file.    
28772232 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) The net operating income is ($xx) and annual payments (Debt Service) is $xx and there debt service cover ratio (DSCR) is -0.16 which is less than 1.    
28772232 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject is NOO. Tape shows DTI at XX%.    
67495602 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Mississippi $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial Escrow Account disclosure signed by borrower is missing from loan documents.    
67495602 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Mississippi $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows AUS report is invalid. Loan closed as Freddie/LP Accept/Eligible, locked at a xx%LTV but LTV over xx% for a Freddie Homeone requires the existing mortgage to be owned by Freddie and the borrower’s current mortgage is with MIT and FHA.    
86530864 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) Mortgage insurance certificate is missing from the loan documents.    
86530864 xx xx xx 0270b5a0-6846-4580-a03f-12f44a18d0d3 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Doc Issue Active 3: Curable * Note is missing or unexecuted (Lvl 3) The original signature page of the note is missing from the loan documents. However; lost note affidavit is also missing from the loan documents. Loan is not modified since origination.    
86530864 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX%, the borrower’s income is $xx and total expenses are in the amount of $2,815.41 and the loan was underwritten by LP (locator#xx) and its recommendation is Accept with a DTI of XX%.    
86530864 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflects points - loan discount fee at $2,839.00. However, CD dated xx/xx/2021 reflects points loan discount fee at $4,698.40. This is an increase in fee of $1,859.40 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
86530864 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows FHA refinance violation. Subject was refinanced within 12 months from the purchase by the borrower.    
59158377 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
59158377 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) This loan failed the higher-priced mortgage loan test since an APR (5.167%) exceeded APOR (5.120%) by 0.047% & APR threshold is 5.120%. HPML disclosure signed by the borrower is missing from the loan file and the subject loan is escrowed.    
59158377 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the borrower’s income is $xx and the total expenses are in the amount of $4,070.20 and the loan was underwritten by AUS/DU (locator# xx) & its recommendation is “Approve/Eligible” and DTI is showing in it as xx%.    
59158377 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete California $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as OO but per tape and file is NOO due to misrepresentation. Elevated for client review.    
59158377 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) CE risk indicator is "elevated" since this loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe harbor threshold test since an APR (5.167%) exceeded APOR (5.120%) by 0.047% & APR threshold is 5.120%. HPML disclosure signed by the borrower is missing from the loan file and the subject loan is escrowed.    
66428977 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
66428977 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) FHA MI certificate is missing from the loan file.    
66428977 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per tape the subject loan is not insured since the borrower was originally looking to purchase #xx, the loan was denied and the borrower proceeded to purchase of #xx. The same case# of xx was used for both the loans; however, the property tied to the case# is #xx. Further details are not provided to confirm the same. Unable to rely on the documents in the loan file.    
66428977 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer disclosure is missing from the loan file.    
48656590 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed QM safe harbor test due to APR calculated 4.756% exceeds APR threshold of 4.200% over by +0.556%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
48656590 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) Loan failed Qualified high price mortgage loan test due to APR calculated 4.756% exceeds APR threshold of 4.200% over by +0.556%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
48656590 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Underwriting transmittal summary (1008) is missing from loan documents.    
48656590 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by borrower is missing from loan documents.    
48656590 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows DU is refer with caution. DU report reflects the loan does not meet fannie mae's eligibility requirements.    
48656590 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Missing Initial Application dated xx/xx/2020 signed by the Loan Originator.    
48656590 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the borrower’s income is $xx and total expenses are in the amount of $3,251.90 and the loan was underwritten by DU (locator# xx) and its recommendation is “Refer with Caution” with a DTI of XX%.    
47941806 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the TILA finance charge test. The finance charge is $229,803.32. The disclosed finance charge of $229,681.07 is not considered accurate because it is understated by more than $100. Subject loan is a purchase, originated on xx/xx/2020 and the SOL is 1 year.    
47941806 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
47941806 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer disclosure is missing from the loan file.    
99092222 xx xx xx 2ed62971-14b7-4988-b992-e5dd7fbd750e 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher-Priced Mortgage Loan test Fail (Lvl 2) Loan failed higher-priced mortgage loan test due to APR calculated 6.073% exceeds APR threshold of 5.990% over by +0.083%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
99092222 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows that loan to value off approximate current value since loan originated in 2018 and chase required repurchase as they were unable to place borrower in the home at time of origination.    
99092222 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed qualified mortgage safe harbor threshold test due to APR calculated 6.073% exceeds APR threshold of 5.990% over by +0.083%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
99092222 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as OO. Tape shows repurchase over potential occupancy misrep and may be NOO.    
34634171 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Wisconsin $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller tape the guidelines not met as co-borrower does not have a FICO score. As per credit report dated xx/xx/2021, FICO scores for co-borrower Seema are unavailable. Income of co-borrower Seema is $xx which is more than xx% of total income $xx.    
44840787 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails Qualified Mortgage lending policy points and fees test due to fees charged $17,633.34 exceeds fees threshold of $14,342.26 over by +$3,291.08.
The below fees were included in the test:
Administration Fee paid by Borrower: $949.00
Mortgage Broker Fee (Indirect) $13,310.69
Points - Loan Discount Fee paid by Borrower: $3,373.65		    
44840787 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as OO but tape and file show NOO due to BWR misrepresentation. Elevated for client review.    
44840787 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $17,633.34 exceeds fees threshold of $14,342.26 over by +$3,291.08.
The below fees were included in the test:
Administration Fee paid by Borrower: $949.00
Mortgage Broker Fee (Indirect) $13,310.69
Points - Loan Discount Fee paid by Borrower: $3,373.65.		    
5969395 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Provided seller’s tape shows an alert that the subject loan is a Cash-out refinance; however, the wrong FMV was used. An actual LTV is 89% and the maximum is 80% for a Cash-out refinance.    
5969395 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) 1. This loan failed the TILA finance charge test. The finance charge is $99,428.07. The disclosed finance charge of $99,252.97 is not considered accurate because it is understated by more than $100. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.

2. This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $99,428.07. The disclosed finance charge of $99,252.97 is not considered accurate for purposes of rescission because it is understated by more than $35. Subject loan is a refinance, originated onxx/xx/2021 and the SOL is 3 years.		    
5969395 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the borrower’s income is $xx and the total expenses are in the amount of $1,340.29 and the loan was underwritten by AUS/DU (locator#xx) & its recommendation is “Approve/Ineligible” and DTI is showing in it as XX%.    
5969395 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer disclosure is missing from the loan file.    
2844333 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
2844333 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the borrower’s income is  $xx and total expenses are in the amount of $2,467.88 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Ineligible” with a DTI of XX%.    
2844333 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2021 reflects transfer taxes fee at $630.00. However, final CD dated xx/xx/2021 reflects transfer taxes fee at $660.00. This is an increase in fee of $30.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.

Loan failed charges that cannot decrease test. Initial LE dated xx/xx/2021 reflects non-specific lender credit at $1,597.00. However, final CD dated xx/xx/2021 reflects non-specific lender credit at $0.00. This is decrease of $1,587.00 for charges that cannot decrease. Valid COC for the decrease in NSLC is missing from the loan documents.		    
2844333 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Subject loan closed with an appraisal. However, PIW disclosure signed by the borrower is missing from the loan documents.    
2844333 xx xx xx 1fe8acd7-461c-4004-ad8a-9ef0f63794cf 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Credit Active 3: Curable * Missing Initial 1003_Application (Lvl 3) Initial application is not dated by loan originator.    
2844333 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows DU is Approve/Ineligible due to loan does not meet eligibility requirements.    
2844333 xx xx xx 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Intent to Proceed Missing  (Lvl 3) The borrower's intent to proceed is missing in loan file.    
2844333 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed ComplianceEase delivery and timing test for closing disclosure dated xx/xx/2021. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2021 which is after the Consummation date xx/xx/2021.    
72264440 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) 1. This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $36,737.66. The disclosed finance charge of $36,662.66 is not considered accurate for purposes of rescission because it is understated by more than $35. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.

2. This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $36,737.66. The disclosed finance charge of $36,662.66 is not considered accurate for purposes of rescission because it is understated by more than $35. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.		    
72264440 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller tape this is cash-out Refinance loan closed with drive by appraiser and full Appraisal document is required. However, Exterior-only Appraisal is available in the loan file. LP and 1008 reflect that full Appraisal is required.    
72264440 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Louisiana $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan failed the lender credit that cannot decrease test. Missing a valid COC for a non-specific lender credit decreased in the amount of $550.00 on the PCCD dated xx/xx/2020.    
12977200 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) CE risk indicator is "elevated" due to following factors:

1. This loan failed the TILA finance charge test. The finance charge is $132,195.10. The disclosed finance charge of $108,713.60 is not considered accurate because it is understated by more than $100. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.

2. This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $132,195.10. The disclosed finance charge of $108,713.60 is not considered accurate for purposes of rescission because it is understated by more than $35. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.

3. This loan failed the TILA APR test. The annual percentage rate (APR) is 4.753%. The disclosed APR of 3.924% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.		    
12977200 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from the loan file.    
12977200 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) FHA MI certificate is missing from the loan file.    
12977200 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller tape FHA seasoning requirements were not met. No further details have been found.    
76451348 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Oregon $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) TRID violation due to decrease in Lender Credit on Closing Disclosure dated 03/xx/21. Initial LE dated xx/xx/2020 reflects Lender Credit at $3,601.00, however, Final CD dated 03/xx/21 reflects Lender Credit at $3,564.93. This is decrease of $36.07 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.    
76451348 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Oregon $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) MI Certificate is missing from the loan documents.    
76451348 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Oregon $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows, Case number was canceled then loan closed using the canceled case no. HUD will not reinstate.    
76451348 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Oregon $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
51936209 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows PIW is expired also appraisal was not obtained. No further details are available.    
51936209 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
35042193 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) FHA Mortgage insurance certificate is missing from loan documents.    
35042193 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX%, the borrower’s income was $xx and total expenses are in the amount of $3,066.00 and the loan was underwritten by DU (locator# xx) and its recommendation is Approve/Eligible with a DTI of XX%.    
35042193 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows loan violates FHA refinance rule as the subject is being refinanced within 1 year of purchase.    
35042193 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot decrease test. Initial CD dated xx/xx/2021 reflects non-specific lender credit at $3,371.18. However, final CD dated xx/xx/2021 reflects non-specific lender credit at $3176.55. This is decrease of $194.63 for charges that cannot decrease. Valid COC for the decrease in NSLC is missing.    
56632612 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX%, the borrower’s income is $xx and total expenses are in the amount of $5,840.09 and the loan was underwritten by LP (locator# xx) and its recommendation is accept/eligible with a DTI of XX%.    
56632612 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at XX%. Tape shows assets are not verified. As per LP report total eligible assets are $xx and total assets to be verified are $xx. Tape also shows DTI XX%: reasons for increase in DTI not provided. Unable to rely on documents in the loan file and unable to calculate ATR.    
56632612 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed TILA finance charge test. Finance charge disclosed on final closing discloser as $291,689.67. Calculated finance charge is $292,017.17 for an under disclosed amount of -$327.50. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is a purchase, originated on xx/xx/2020 and the SOL is 1 year.    
56632612 xx xx xx d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Doc Issue Active 3: Curable * Application Missing (Lvl 3) Final application signed by the borrower is missing from the loan documents.    
56632612 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
56632612 xx xx xx ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * LE/CD Issue date test Fail (Lvl 3) This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate.    
56632612 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Initial closing disclosure dated xx/xx/2020 reflects Points - Loan discount fee at $408.24. However, final closing disclosure dated xx/xx/2020 reflects Points - Loan discount fee at $902.26. This is an increase in fee of +$494.02 for charges that cannot increase. Valid COC for the increase in fee is available; however, COC is not getting tested due to loan failing TRID delivery and timing test.    
75685721 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) Finance charge disclosed on final CD as $105,796.30. Calculated finance charge is $107,026.55 for an under disclosed amount of $1,230.25. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is a purchase, originated on xx/xx/2021 and the SOL is 1 year.    
75685721 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
75685721 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX%, the borrower’s income is $xx and total expenses are in the amount of $1,531.63 and the loan was underwritten by LP (locator# xx) and its recommendation is Accept with a DTI of XX%.    
75685721 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the TRID total of payments test. The total of payments is $xx. The disclosed total of payments of $xx is not considered accurate because it is understated by more than $100.    
75685721 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete North Carolina $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Per tape subject is a condotel. Elevated for client review because not a standard second home type of property. Subject is a unit at the xx with commercial amenities.    
34008424 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) Loan failed higher-priced mortgage loan test due to APR calculated 4.788% exceeds APR threshold of 4.730% over By +0.058%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.

Loan failed CA AB 260 higher-priced mortgage loan test due to APR calculated 4.788% exceeds APR threshold of 4.730% over By +0.058%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.		    
34008424 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by borrower is missing from the loan documents.    
34008424 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the borrowers income is $xx and total expenses are in the amount of $2,900.89 and the loan was underwritten by DU (locator# xx) and its recommendation is approve/eligible with a DTI of XX%.    
34008424 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan closed with xx% LTV/CLTV. Seller tape reflects loan close with incorrect appraised value of $xx Subject loan is purchase primary and appraisal report reflects property value of $xx.    
34008424 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the revised closing disclosure delivery date test due to revised CD dated xx/xx/2021 and electronically signed on xx/xx/2021 which is before the consummation date xx/xx/2021.    
34008424 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) Loan failed qualified mortgage Safe harbor threshold test due to APR calculated 4.772% exceeds APR threshold of 4.730% over by +0.042%. HPML disclosure signed by the borrower is missing from the loan documents. Subject loan is escrowed.    
34008424 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges than in total cannot increase more than 10% tolerance test. Initial LE dated xx/xx/2021 reflects recording fee at $225.00. However, final CD dated xx/xx/2021 reflects the recording fee at $325 This is a cumulative increase of +$77.50 for charges that in total cannot increase more than 10% test. Valid COC for the increase in fee is available; however, COC is not getting tested due to loan failing TRID delivery and timing test.


Loan failed charges that cannot increase 0% tolerance test.
Initial loan estimate dated xx/xx/2021 does not reflect mortgage broker fee. However, final CD dated xx/xx/2021 reflects mortgage broker fee at $12,375.00
Initial loan estimate dated xx/xx/2021 does not reflects appraisal re-inspection. However, final CD dated xx/xx/2021 reflects appraisal re-inspection fee at $175.00.
This is a cumulative increase in fee of +$12,550.00 for charges that cannot increase. Valid COC for the increase in fee is available; however, COC is not getting tested due to loan failing TRID delivery and timing test.		    
15938093 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the borrower’s income is $xx and total expenses are in the amount of $2,802.28 and the loan was underwritten by DU (locator# xx) and its recommendation is "Approve/Eligible" with a DTI of XX%.    
15938093 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed initial LE estimate delivery and timing test. Initial LE dated xx/xx/2019 delivered on xx/xx/2019 which is more than 3 business days from initial application date xx/xx/2019.    
15938093 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
15938093 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Illinois $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Initial Loan Estimate is dated xx/xx/2019 and electronically signed on xx/xx/2019 which is greater than 3 days. Unable to determine delivery date due to missing document tracker. TRID is failing for timing of initial LE.    
15938093 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete Illinois $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as owner occupied but seller defect shows may be non-owner occupied. Elevated for client review.    
98789698 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete California $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from loan documents.    
98789698 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
98789698 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) 'In FHA  streamline refinance loans, there should be WAITING period or GAP of 210 days between the first payment date of existing mortgage which is getting paid off and between the closing of our new subject loans. In this loan the waiting period is not satisfied as the First payment of existing mortgage xx/xx/2020 is less than 210 days from closing date of loan xx/xx/2020."    
88025983 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approve at XX%. Seller tape shows income miscalculation over using temporary leave income may push DTI to over XX%. Unable to rely on docs in file and unable to calc  ATR.    
88025983 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the borrower’s income is $xx and total expenses are in the amount of $2,967.97 and the loan was underwritten by DU (locator# xx) and its recommendation is approve/eligible with a DTI of xx%.    
88025983 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) This loan failed the initial closing disclosure delivery date test due to initial CD dated xx/xx/2020 document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is before consummation date xx/xx/2020.    
88025983 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
88025983 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test.
Initial loan estimate dated xx/xx/2020 does not reflect flat fee commission. However, CD dated xx/xx/2020 reflects flat fee commission at $195.00.
Initial loan estimate dated xx/xx/2020 reflects credit report fee at $52.00. However, CD dated xx/xx/2020 reflects credit report fee at $96.03.
This is a cumulative increase in fee of $239.03 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.		    
48543578 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the post-consummation non-numeric clerical error and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date xx/xx/2021 is more than 60 calendar days after the consummation date xx/xx/2020. Subject loan is a refinance, originated on xx/xx/2020 and the SOL is 3 years.    
48543578 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New York $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan is conventional closed without an appraisal. Tape shows PIW eligibility lost.    
48543578 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete New York $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Subject loan closed without an appraisal. However, PIW disclosure signed by the borrower is missing from the loan documents.    
48543578 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete New York $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the borrower’s income is  $XX and total expenses are in the amount of $2,507.79 and the loan was underwritten by DU (locator# xx) and its recommendation is “Approve/Ineligible” with a DTI of XX%    
52969494 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 reflect Points - Loan Discount Fee $2,740.00. However, CD dated xx/xx/2020 reflects Points - Loan Discount Fee at $3,053.18. This is an increase in fee of $313.18 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
52969494 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from loan documents.    
52969494 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2020 reflects the sum of Section C fees at $774.00. However, Final CD dated xx/xx/2020 reflects the sum of Section C at $929.41. This is a cumulative increase of $78.01 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.    
52969494 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Compliance Compliance Active 3: Curable * ComplianceEase Exceptions Test Failed (Lvl 3) This loan failed the Revised closing disclosure delivery date test (no waiting period required). The revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date.    
52969494 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
52969494 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Kentucky $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows CAIVRS alert due to borrower defaulted on student loan debt. No further details available.    
69785570 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 Points - Loan Discount Fee at $1,433.00. However, Final CD dated xx/xx/2020 reflects Points - Loan Discount Fee at $1,692.08. This is an increase in fee of $259.08 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.

Loan failed ComplianceEase delivery and timing test for Revised CD dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is after the Consummation date xx/xx/2020.		    
69785570 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX%, the borrower’s income is $xx and total expenses are in the amount of $3,668.89 and the loan was underwritten by LP (locator# xx) and its recommendation is “Accept” with a DTI of XX%.    
69785570 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Massachusetts $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) As per seller tape loan does not meet eligibility due to AUS conditions not met. This is a refinance cash-out and exterior-only appraisal received in loan file which is not permitted on a cash out.    
24626148 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Alabama $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows USDA not insured.    
24626148 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
24626148 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Alabama $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
24626148 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Alabama $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan failed ComplianceEase delivery and timing test for closing disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is after the consummation date xx/xx/2020.    
24626148 xx xx xx a17de1c9-6471-4b9e-8891-b3b543d9e4a1 561 561-3210 xx QM-TRID QC Complete Alabama $xx Valuation Doc Issue Active 3: Curable * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) Subject loan closed with no appraisal. However, PIW disclosure signed by the borrower is missing from the loan documents.    
58579303 xx xx xx cce19927-d2e5-4133-b1c8-0a2546264ce8 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Data Edit Active 4: Unacceptable * Occupancy concerns -  (Lvl 4) Subject approved as OO. Tape shows loan repurchased as BWR2 does not occupy property and is NOO. Elevated for client review.    
58579303 xx xx xx 399d40af-a75c-4340-9c3c-97eadb98a8dc 561 561-3210 xx QM-TRID QC Complete Arizona $xx Credit Guidelines Active 2: Acceptable with Warnings * Cash out purchase (Lvl 2) Subject loan is purchase. However, final CD reflects “cash to” in the amount of $104.06.    
58579303 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
58579303 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Arizona $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) This loan has failed Charges That Cannot Increase Test, because Initial LE dated xx/xx/2021 does not reflect administration fee and loan origination fee. However, final CD dated xx/xx/2021 reflects administration fee at $271.50 and loan origination fee at $2,392.00. This is an increase in fee of $2,663.50 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
98637786 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows Freddie is prior lender, DU and Drive by report is available and CP cannot obtain exception. No further details available.    
98637786 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 reflects Appraisal Fee at $525.00. However, CD dated xx/xx/2021 reflects Appraisal Fee at $620.00. This is an increase in fee of +$95.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
24736858 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject approved at XX%. Tape show incorrect use of rental income and misrepresentation of actual employer and income may push DTI to over XX%. Unable to rely on documents in file and unable to calculate ATR.    
24736858 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Revised closing disclosure delivery date test failed due to revised closing disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is after consummation date xx/xx/2020.    
24736858 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan file.    
52631487 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows AUS recommendation is Approve/Ineligible due to high balance loan $2.775M and cash out within 6 mos. Further details not provided. Also, loan did not meet seasoning period requirements due to subject loan is refinance within 12 months; subject xx% LTV with prior sales price of $xx xx/xx/21.    
52631487 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
52631487 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test.
Loan estimate dated xx/xx/2021 reflect  Appraisal fee at $800.00. However, CD dated xx/xx/2021 reflects Appraisal fee at $2,800.00.
Loan estimate dated xx/xx/2021 reflects Credit Report fee at $26.00. However, CD dated xx/xx/2021 reflects Credit Report fee at $32.00.
This is a cumulative increase in fee of $2,006.00 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.		    
21707500 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
21707500 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) Credit report is missing from loan file    
21707500 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) VA loan must be seasoned for at 210 days from the due date of first mortgage payment and must have made mortgage payment for at least 6 consecutive months. In this loan the waiting period is not satisfied.    
21707500 xx xx xx 933d08cd-a527-4b11-a953-3fea2acf8a38 561 561-3210 xx QM-TRID QC Complete Colorado $xx Credit Doc Issue Active 3: Curable * Missing flood cert (Lvl 3) Flood insurance certificate is missing from loan the documents.    
21707500 xx xx xx ce731d63-69ad-4174-959f-2a6ae3ba4843 561 561-3210 xx QM-TRID QC Complete Colorado $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) TRID tolerance test is incomplete due to Initial CD is missing from the loan documents.    
23636755 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX%, the borrower’s income was $xx and total expenses are in the amount of $5,617.31 and the loan was underwritten by LP (locator# xx) and its recommendation is “Accept” with a DTI of XX%.    
23636755 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
23636755 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete California $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows unknown if any closing instruction were violated. No further details have been found.    
92854485 xx xx xx eb183a39-d7c5-4c18-a647-02593f673df8 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 4: Unacceptable * ComplianceEase Risk Indicator is "Moderate" (Lvl 4) Compliance review and seller defect shows this loan failed the revised closing disclosure delivery date test. The revised closing disclosure receipt date is provided and the revised closing disclosure receipt date (xx/xx/2021) is less than three business days before the consummation date (xx/xx/2021).    
92854485 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
92854485 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot decrease test. Initial LE dated xx/xx/2021 reflects non-specific lender credit at $9,505.00. However, final CD dated xx/xx/2021 reflects non-specific lender credit at $6,049.50. This is decrease of $3,455.50 for charges that cannot decrease. Valid COC for the decrease in NSLC is available. However, COC is not getting tested due to loan failing TRID delivery and timing test.    
1018622 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
1018622 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 4: Unacceptable * ComplianceEase Exceptions Test Failed (Lvl 4) Compliance review and seller defect shows this loan failed the revised loan estimate delivery date test due to the revised loan estimate delivery date (xx/xx/2021) is on the initial closing disclosure delivery date (xx/xx/2021).    
63684297 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report missing from the loan file    
63684297 xx xx xx 5fb7fe54-3138-4619-bc5b-74ec97254551 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Doc Issue Active 3: Curable * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) Initial escrow account disclosure signed by borrower is missing from loan documents.    
63684297 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 2: Acceptable with Warnings * Qualified Mortgage DTI exceeds xx% (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of XX% as the borrower’s income is $xx and total expenses are in the amount of $3,794.22 and the loan was underwritten by DU (locator#xx) and its recommendation is “Approve/Eligible” with a DTI of XX%.    
63684297 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 reflects credit report fee. However, final CD dated xx/xx/2020 reflects credit report fee at $59.88. This is an increase in fee of $41.88 for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents.    
63684297 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from loan documents.    
63684297 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan is FHA purchase. Tape shows loan does not meet the requirements to originate a second FHA loan. Review of loan documents does not show any secondary lien originated at the time of closing.    
59576471 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Alabama $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan is VA purchase. Tape shows loan repurchased due to insufficient VA entitlement.    
59576471 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Alabama $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) VA guaranty certificate is missing from the loan documents.    
93704803 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Doc Issue Active 2: Acceptable with Warnings * Notice of Servicing Transfer missing or unexecuted (Lvl 2) Notice of servicing transfer disclosure is missing from the loan file.    
93704803 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows ZFHA invalid and manual U/W is not allowed on the loan.    
93704803 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 2: Acceptable with Warnings * MI, FHA or MIC missing and required (Lvl 2) This is an FHA loan which was originated on xx/xx/2020. However, the mortgage insurance certificate is missing from the loan documents.    
93704803 xx xx xx 1914f248-79e8-48ad-914c-d5ebf2be1454 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Exceptions Test Failed (Lvl 2) Secondary Market Exceptions and Loan Conditions
This loan failed the reimbursement amount validation test.
The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order
to correctly perform reimbursement calculations.

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.		    
93704803 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test. Loan estimate dated xx/xx/2020 reflects Transfer Taxes Fee at $3,723.00. However, CD dated xx/xx/2020 reflects Transfer Taxes Fee at $3,769.74. This is an increase in fee of +$46.74 for charges that cannot increase.    
93704803 xx xx xx 10663510-5c65-4302-915b-a49e892ae485 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 4: Unacceptable * Qualified Mortgage DTI exceeds xx% (Lvl 4) The loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $2,815.02 and the loan was underwritten by AUS/DU xx and its recommendation is “Refer/Eligible” with xx%.    
57666572 xx xx xx 6dd06481-87c0-4254-8a00-d3f77c9b73b6 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * GSE Points and Fees Test Violations (Lvl 3) Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $5,699.00 exceeds fees threshold of $$4,251.17 over by +$1,447.83.
The below fees were included in the test:
Loan Origination Fee paid by Borrower: $1,629.00
Points - Loan Discount Fee paid by Borrower: $4,070.00.		    
57666572 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Texas $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan fails qualified mortgage lending policy points and fees test due to fees charged $5,699.00 exceeds fees threshold of $4,251.17 over by +$1,447.83.
The below fees were included in the test:
Loan Origination Fee paid by Borrower: $1,629.00
Points - Loan Discount Fee paid by Borrower: $4,070.00.		    
57666572 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Texas $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows refinance didn't meet seasoning since previous loan was cash out. File also has PIW.    
28663971 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Mississippi $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from the loan documents.    
28663971 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Mississippi $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows cannot insure because seller refuses to sign the amendatory clause.    
28663971 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Mississippi $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges than in total cannot increase more than 10% tolerance test. LE dated xx/xx/2020 reflects the sum of Section C fees and Recording fee at $836.00. However, CD dated xx/xx/2020 reflects the sum of Section C and Recording fee at $1639. This is a cumulative increase of +$719.40 for charges that in total cannot increase more than 10% test. COC for increase in fee is missing from the loan documents.

TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/2020. Initial LE dated xx/xx/2020 reflects Lender Credit at $123.00, however, Revised CD dated xx/xx/2020 reflects Lender Credit at $20.59. This is decrease of $102.41 for fee which has 0% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents.		    
49321957 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by borrower is missing from loan documents.    
49321957 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete Maryland $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx and total expenses are in the amount of $2,243.38 and the loan was underwritten by LP xx and its recommendation is “Accept” with a DTI of xx%.    
49321957 xx xx xx 15e9dd75-9881-4b48-bb01-f2eac3e20c1c 561 561-3210 xx QM-TRID QC Complete Maryland $xx Credit Other Disclosures Active 3: Curable * Missing Required Disclosures (Lvl 3) Home loan toolkit is missing from the loan documents.    
8254230 xx xx xx b8232690-2186-42c9-9c73-7f6ab8e265de 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * Higher Price Mortgage Loan (Lvl 2) This loan has failed Higher-Priced Mortgage Loan Test.

While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

Higher-Priced Mortgage Loan Test: FAIL      Charged: 3.696%      Allowed: 3.680%     Over by: +0.016%

This loan has failed CA AB 260 Higher-Priced Mortgage Loan Test.

Tape shows loan failed HPML and loan is non-escrowed. Our CE report also fails HPML test. Loan failed Higher-Priced Mortgage Loan Test due to APR calculated 3.696% exceeds APR threshold of 3.680% over by +0.016%. Subject loan is non-escrowed.

While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met.

CA AB 260 Higher-Priced Mortgage Loan Test: FAIL   Charged: 3.696%      Allowed: 3.680%     Over by: +0.016%.		    
8254230 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated 3.688% exceeds APR threshold of 3.680% over by +0.008%. Subject loan is non-escrowed.    
8254230 xx xx xx d1561be4-6541-483e-8b80-c861989a61eb 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) Affiliated business disclosure is missing from loan documents.    
8254230 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement is missing from loan document.    
63390930 xx xx xx 42fa4669-fe5d-412e-9c32-21b87047de7c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Revised Loan Estimate is missing (Lvl 3) As per the DT (locator: xx), revised LE dated xx/xx/2020 is missing from the loan file.    
63390930 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Georgia $xx Credit Guidelines Active 4: Unacceptable * Loan does not conform to program guidelines (Lvl 4) Tape shows defect and repurchase as the LE and CD issued same date. File missing LE dated 9/xx/20 to confirm same. Elevated for client review.    
63390930 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete Georgia $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock agreement signed by the borrower is missing from the loan documents.    
63418950 xx xx xx 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Doc Issue Active 3: Curable * Missing proof of hazard insurance (Lvl 3) Hazard insurance policy is missing from the loan file.    
63418950 xx xx xx 474aa7dc-7077-446e-be64-4ef068a7be5a 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Doc Issue Active 2: Acceptable with Warnings * Missing credit report (Lvl 2) credit report is missing from the loan file    
63418950 xx xx xx 74be4ec5-5b69-41dd-8139-7a2f79aff20b 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Credit Active 3: Curable * DSCR is less than 1.00 (Lvl 3) DSCR ratio is at 0.24. Also, operating income statement is missing from the loan documents.    
63418950 xx xx xx 19abd04d-e9fc-4fd6-b82c-f953835303f0 561 561-3210 xx QM-TRID QC Complete Washington $xx Compliance Doc Issue Active 3: Curable * Notice of Servicing Transfer missing or unexecuted (Lvl 3) Notice of servicing transfer disclosure is missing from the loan file.    
63418950 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Washington $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Tape shows an alert for 12 months clean pay history.    
46040923 xx xx xx 6bb8959e-d04b-4210-a40d-4982cb6fe938 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * ComplianceEase State Regulations Test Failed (Lvl 3) Loan failed the New Jersey mortgage banker or correspondent mortgage banker license prohibited fees test.
The below fees were included in the test:
Title - Transaction Management Platfor paid by Borrower: $50.00
Title Closing Protection Letter (CPL) paid by Borrower: $75.00.		    
46040923 xx xx xx 2a19023c-7efb-4d23-82fd-78048f7b77d1 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Compliance Compliance Active 3: Curable * Missing or error on the Rate Lock Document (Lvl 3) Rate lock provided expired on xx/xx/2020 and the loan closed on xx/xx/2020. No lock extension found    
46040923 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete New Jersey $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Seller tape shows appraisal obtained but never delivered to xx closed with PIW and Appraised value at $xx. However, Freddie has accessed the appraisal and value was low at $xx, making LTV xx%.    
74891042 xx xx xx 114577c5-1e49-4a93-b506-e609711f1cef 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 3: Curable * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) Loan failed ComplianceEase delivery and timing test for revised closing disclosure dated xx/xx/2020. Document tracker is missing and 3 business days were added to get receipt date xx/xx/2020 which is after the consummation date xx/xx/2020.    
74891042 xx xx xx 365f4d64-409f-42ad-9ce3-bf70561b82da 561 561-3210 xx QM-TRID QC Complete California $xx Compliance Compliance Active 2: Acceptable with Warnings * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) Subject loan was approved at DTI of xx%. Tape shows issue with income calculation. DTI may rise to XX%. Further details not provided. Unable to rely on documents in loan file and calculate ATR.    
21141024 xx xx xx c492e21e-e8d7-428c-bf28-271dbf89562d 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Doc Issue Active 3: Curable * MI, FHA or MIC missing and required (Lvl 3) Mortgage insurance certificate is missing from loan documents.    
21141024 xx xx xx 738e9f62-98d7-491b-a346-299cd4924f9c 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Guidelines Active 3: Curable * Loan does not conform to program guidelines (Lvl 3) Subject loan closed with Xx% LTV. Tape shows loan exceed max LTV.    
21141024 xx xx xx 9c514b19-a734-4e96-80eb-ba02f6424ce3 561 561-3210 xx QM-TRID QC Complete Florida $xx Credit Underwriting Active 3: Curable * Transmittal (1008) is Missing (Lvl 3) Transmittal Summary is missing from the loan documents.    
21141024 xx xx xx 38bdd430-f8c1-420d-bc1d-da24093af489 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 3: Curable * ComplianceEase TRID Tolerance Test Failed (Lvl 3) Loan failed charges that cannot increase 0% tolerance test and charges that in total cannot increase more than 10% tolerance test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/2020 delivered on xx/xx/2020 which is more than 3 business days from initial application date xx/xx/2020.    
21141024 xx xx xx e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 561 561-3210 xx QM-TRID QC Complete Florida $xx Compliance Compliance Active 2: Acceptable with Warnings * ComplianceEase TILA Test Failed (Lvl 2) This loan failed the post-consummation cure reimbursement and revised closing disclosure delivery date test due to the post-consummation revised closing disclosure delivery date xx/xx/2021 is more than 60 calendar days after the consummation date xx/xx/2021. Subject loan is a refinance, originated on xx/xx/2021 and the SOL is 3 years.    
48396186 xx xx xx cfec44f3-b357-401b-9621-ad0bd9a43e24 561 561-3210 xx QM-TRID QC Complete Hawaii $xx Valuation Property Active 4: Unacceptable * Property is Commercial Prop (Lvl 4) Tape and appraisal shows subject is xx hotel. Subject is a unit in the condo complex xx. Elevated for client review.