Unique ID LoanID Seller Servicer Group Borrower Original State Note Date Application Occupancy Purpose QM Status Overall Fitch Moody's DBRS S&P Credit Fitch Moody's DBRS S&P Credit Exceptions Credit Exception Information Credit Exception Property Fitch Moody's DBRS S&P Property Property Property Compliance Fitch Moody's DBRS S&P Compliance Exceptions Compliance Exception Information Compliance Exception Seller Response Compensating Subject to Disposition
Loan ID Loan ID Name Loan Date Grade Overall Overall Overall Overall Grade Credit Credit Credit Credit Comments Grade Property Property Property Property Exceptions Exception Exception Grade Compliance Compliance Compliance Compliance Comments Factors Predatory
Amount Rating Rating Rating Rating Rating Rating Rating Rating Rating Rating Rating Rating Information Comments Rating Rating Rating Rating - Unable
to Test
649206868 XXX XXX 1 XXX $XXX CA 12/XX/2013 9/XX/2013 Primary Refinance 1 A A A A 1 A A A A -
Rate/Term
649208142 XXX XXX 1 XXX $XXX CA 2/XX/2013 1/XX/2013 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA -
Rate/Term Credit Score Disclosure.
[2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7,
8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA
rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or
District of Columbia)
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business
Arrangement Disclosure to applicant within three (3) business days of application.
[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test
Individual Loan Originator license status due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan
Originator license due to missing information.
649207386 XXX XXX 2 XXX $XXX CA 1/XX/2013 12/XX/2012 Primary Refinance 2 B B B B [3] Application / Processing - Missing Valuation: Appraisal not provided. 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
Cash-out - [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi (Circuit 2, 5, 7,
Debt 8, 9, 10 or DC): Original Lender was not able to be determined. Unable to determine if correct TILA
Consolidation rescission form was used. (H-8 Form was used and property is in the 2 nd, 5 th, 7 th, 8 th, 9 th, 10 th, or
District of Columbia)
[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is
other than single family residence, state and federal testing may be impacted.
[2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s).
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business
Arrangement Disclosure to applicant within three (3) business days of application.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA
Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
[2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure):
Initial TIL was not provided to the borrower.
649208723 XXX XXX 1 XXX $XXX CA 1/XX/2014 12/XX/2013 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - RESPA (2010) - GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) - GFE -
Cash-out - column on page 3 of Final HUD-1 does not match most recently disclosed GFE.
Debt [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance
Consolidation (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the
proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have
been used.
649208738 XXX XXX 2 XXX $XXX CA 11/XX/2013 10/XX/2013 Investment Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
Rate/Term file. Compliance tests were run using an application date of 10/XX/2013 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
649208514 XXX XXX 2 XXX $XXX WA 6/XX/2013 3/XX/2013 Investment Refinance 1 A A A A 1 A A A A -
Rate/Term
649206770 XXX XXX 1 XXX $XXX CA 5/XX/2013 4/XX/2013 Investment Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
file. Compliance tests were run using an application date of 04/XX/2013 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
649207563 XXX XXX 2 XXX $XXX CA 8/XX/2012 7/XX/2012 Investment Purchase 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: No TNR Testing
Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local Not Required
compliance testing.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 07/XX/2012 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
649207470 XXX XXX 1 XXX $XXX CA 12/XX/2011 11/XX/2011 Investment Purchase 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: No TNR Testing
Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local Not Required
compliance testing.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 11/XX/2011 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
649209004 XXX XXX 1 XXX $XXX CA 3/XX/2013 2/XX/2013 Primary Refinance 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Federal Compliance - Missing Final HUD-1: Illegible HUD-1 Used For Fee Testing Material: Missing Final Federal Compliance - Missing Final HUD-1: Illegible HUD-1 Used For Fee REVIEWER - GENERAL COMMENT (2023/XX/03): HUD Yes TR
Cash-out - HUD-1: Illegible HUD-1 used for any applicable Federal, State or Local compliance testing. Testing Material: HUD has significant legibility issues, please provide provided is not for subject transaction. Indeterminable
Other [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided a clearer copy to confirm fee capture is accurate.
within three (3) days of application due to missing information.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing
requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 02/XX/2013 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA
(2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms
for all other settlement charges.
[2] Federal Compliance - RESPA (2010) - GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) - GFE
column on page 3 of Final HUD-1 does not match most recently disclosed GFE.
[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3
Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO
company NMLS license due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test
Individual Loan Originator license status due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan
Originator license due to missing information.
[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company
status due to missing information.
[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair
Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due
to missing evidence of initial loan application date.
[2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance
(Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the
proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have
been used.
[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable
to determine compliance with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Change Date
Inaccurate (ARM loan): Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" date on the Final
TIL does not match the date on which the first regular periodic payment will be due and the earliest date
on which that rate may apply.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Interest Rate
Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" interest rate on the Final
TIL does not match the maximum interest rate that may apply during the first five (5) years of the loan.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Total Payment
(PITI) Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" total payment amount
(PITI) on the Final TIL does not match the maximum total payment on the loan during the first five (5)
years for the loan.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate:
Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest
date on which the maximum rate may apply.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Change Date
Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" date on the Final TIL does not match
the first adjustment date for the loan.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Interest
Payment Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" interest payment on
the Final TIL does not match the maximum interest payment that may apply during the first five (5) years of
the loan.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Principal
Payment Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" principal payment on
the Final TIL does not match the maximum principal payment that may apply during the first five (5) years
of the loan.
649208722 XXX XXX 2 XXX $XXX CA 4/XX/2013 3/XX/2013 Primary Purchase 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: SELLER - GENERAL COMMENT (2023/XX/18): Final GENERAL COMMENT (2023/XX/18): Final HUD-1 was not No TNR Testing
Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local HUD-1 was not stamped or signed, however it did stamped or signed, however it did have a cover letter Not Required
compliance testing. have a cover letter that confirmed that the that confirmed that the enclosed Final HUD is the
[2] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program enclosed Final HUD is the certified copy which certified copy which is likely how that Escrow operated
disclosure does not match terms of loan. is likely how that Escrow operated vs the vs the stamp/signature.
[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided stamp/signature.
within three (3) days of application due to missing information. REVIEWER - GENERAL COMMENT (2023/XX/18): The
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing cover letter mentioned does not meet the
requirements due to missing Initial Loan Application Date. requirements of a Final HUD-1. How a particular
[2] Federal Compliance - Federal LO Compensation Dual Compensation Pre-Dodd Frank Test: Loan Originator escrow company may or may not have operated in
Compensation: Dual compensation received from both a consumer and person other than consumer. accordance with state standards is outside the
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in scope of SAMC's review. A signed final HUD-1 has
file. Compliance tests were run using an application date of 03/XX/2013 which is 1 months prior to not been provided. Exception remains.
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule:
Creditor did not provide HUD Settlement Cost Booklet.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3
Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO
company NMLS license due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test
Individual Loan Originator license status due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan
Originator license due to missing information.
[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company
status due to missing information.
[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair
Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due
to missing evidence of initial loan application date.
[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable
to determine compliance with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate:
Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest
date on which the maximum rate may apply.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Change Date
Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" date on the Final TIL does not match
the first adjustment date for the loan.
649209125 XXX XXX 2 XXX $XXX CA 11/XX/2012 10/XX/2012 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA -
Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 10/XX/2012 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated
Business Arrangement Disclosure to applicant within three (3) business days of application due to missing
information.
[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule:
Creditor did not provide HUD Settlement Cost Booklet.
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account
statement was not provided to the borrower.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3
Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO
company NMLS license due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test
Individual Loan Originator license status due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan
Originator license due to missing information.
[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company
status due to missing information.
[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair
Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due
to missing evidence of initial loan application date.
[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable
to determine compliance with timing requirements due to missing Initial Loan Application Date.
649207006 XXX XXX 2 XXX $XXX CA 2/XX/2006 2/XX/2006 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
Cash-out - file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to
Debt consummation. A lookback was performed to determine this application date.
Consolidation
649207347 XXX XXX 1 XXX $XXX CA 3/XX/2013 3/XX/2013 Investment Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA -
Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 03/XX/2013 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
649208064 XXX XXX 2 XXX $XXX CA 4/XX/2005 2/XX/2005 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL -
Cash-out - Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. itemization did not disclose the sign in fees of $XXX and $XXX
Other subordination recording fee of $XXX and title courier fee of $XXX as
prepaid finance charges. HUD disclosed prepaid interest fee as $XXX and
itemization disclosed as $XXX.
649208548 XXX XXX 2 XXX $XXX CA 4/XX/2007 2/XX/2007 Primary Refinance 3 D D D D [3] Application / Processing - Missing Valuation: Appraisal not provided. 3 D D D D [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing Material: Yes TR HUD
Cash-out - Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local Deficiency
Debt compliance testing.
Consolidation [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
Credit Score Disclosure.
[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is
other than single family residence, state and federal testing may be impacted.
649207779 XXX XXX 2 XXX $XXX CA 12/XX/2013 11/XX/2013 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 Appraisal not provided. 2 B B B B [2] Federal Compliance - Possible Federal Loan Originator Compensation - Anti-Steering Disclosure Not -
Rate/Term [3] Application / Processing - Missing Valuation: Provided: Unable to determine Anti-Steering compliance/Safe Harbor: Loan Originator Compensation: Anti-
Steering - Unable to determine Safe Harbor due to Anti-Steering Disclosure not provided to borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 11/XX/2013 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is
other than single family residence, state and federal testing may be impacted.
[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account
statement was not provided to the borrower.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3
Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO
company NMLS license due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test
Individual Loan Originator license status due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan
Originator license due to missing information.
[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company
status due to missing information.
[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair
Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due
to missing evidence of initial loan application date.
[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable
to determine compliance with timing requirements due to missing Initial Loan Application Date.
649207420 XXX XXX 2 XXX $XXX CA 7/XX/2013 6/XX/2013 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided -
Cash-out - within three (3) days of application due to missing information.
Other [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing
requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 06/XX/2013 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA
(2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms
for all other settlement charges.
[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3
Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO
company NMLS license due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test
Individual Loan Originator license status due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan
Originator license due to missing information.
[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company
status due to missing information.
[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair
Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due
to missing evidence of initial loan application date.
[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable
to determine compliance with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Change Date
Inaccurate (ARM loan): Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" date on the Final
TIL does not match the date on which the first regular periodic payment will be due and the earliest date
on which that rate may apply.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Interest Rate
Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" interest rate on the Final
TIL does not match the maximum interest rate that may apply during the first five (5) years of the loan.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Total Payment
(PITI) Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" total payment amount
(PITI) on the Final TIL does not match the maximum total payment on the loan during the first five (5)
years for the loan.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate:
Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest
date on which the maximum rate may apply.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Change Date
Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" date on the Final TIL does not match
the first adjustment date for the loan.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Interest
Payment Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" interest payment on
the Final TIL does not match the maximum interest payment that may apply during the first five (5) years of
the loan.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Principal
Payment Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" principal payment on
the Final TIL does not match the maximum principal payment that may apply during the first five (5) years
of the loan.
649208980 XXX XXX 1 XXX $XXX CA 8/XX/2012 6/XX/2012 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA Federal Compliance - Final TIL Finance Charge Under Disclosed: The TIL -
(2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms Itemization disclosed an underwriting fee of $XXX and a loan tie in fee
for all other settlement charges. of $XXX which are not reflected on the hud. The TIL The TIL Itemization
[2] Federal Compliance - RESPA (2010) - Written Service Provider List Missing: Unable to determine if the did not disclose a settlement fee of $XXX and a tax service fee of $XXX
borrower received a list of service providers due to missing information. as prepaid finance charges. Prepaid interest was disclosed at $XXX but
[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: reflected at $XXX on the hud.
Creditor did not provide HUD Settlement Cost Booklet.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: Unable to
determine Servicing Disclosure Statement was provided due to missing information.
[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO
company NMLS license due to missing information.
[2] Federal Compliance - SAFE Act - LO Company NMLS does not match NMLS: Secure and Fair Enforcement for
Mortgage Licensing Act: Loan Originator Organization NMLS information on loan documents does not match
NMLS.
[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test
Individual Loan Originator license status due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan
Originator license due to missing information.
[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company
status due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for
Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match
NMLSR.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649208778 XXX XXX 2 XXX $XXX CA 5/XX/2018 4/XX/2018 Primary Refinance Non QM 2 B B B B [3] Insurance Analysis - Insufficient Coverage: Hazard insurance HOI coverage provided is short $XXX. Please 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program Federal Compliance - ARM Disclosure Status Test: ARM loan program -
Rate/Term coverage amount is insufficient. provide increased HOI coverage or RCE. disclosure not provided to the borrower. disclosure located in file; however, it is not dated to determine that
[3] Income Documentation - REO Documents are missing.: Address: XXX, The following REO documents are required and [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook it was sent to borrower within 3 business days of application date.
CA Insurance Verification, Tax Verification missing: HOI and property tax verification. on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet
[3] Income Documentation - REO Documents are missing.: Address: XXX, The following REO documents are required and [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Disclosure is missing.
CA Insurance Verification, Tax Verification missing: HOI and property tax verification. Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
[3] Income Documentation - REO Documents are missing.: Address: XXX, The following REO documents are required and applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2018) Business Days Prior to Consummation: Creditor did not provide a copy of
CA Insurance Verification, Tax Verification missing: HOI and property tax verification. [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self each valuation to applicant three (3) business days prior to
[3] Income Documentation - REO Documents are missing.: Address: XXX, The following REO documents are required and Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application consummation.
CA Insurance Verification, Statement, Tax Verification missing: Statement, HOI and property tax Date 04/XX/2018, Most Recent Tax Return End Date 12/XX/2016, Tax Return Due Date 03/XX/2018. (XXX XXX/S- Federal Compliance - Self-Employed Tax Return Recency - ATR: Based on
[3] Income Documentation - REO Documents are missing.: Address: XXX, verification. Corp) Application Date, more recent tax returns are due/missing. Self Employed
CA Insurance Verification, Statement, Tax Verification The following REO documents are required and Tax Returns - The business or personal tax returns provided are not the
[3] Income Documentation - REO Documents are missing.: Address: XXX, missing: Statement, HOI and property tax most recent. Application Date 04/XX/2018, Most Recent Tax Return End
CA Insurance Verification, Statement, Tax Verification verification. Date 12/XX/2016, Tax Return Due Date 03/XX/2018.
The following REO documents are required and
missing: Statement, HOI and property tax
verification.
649208799 XXX XXX 1 XXX $XXX CA 9/XX/2016 7/XX/2016 Investment Refinance N/A 2 B B B B [3] Income Documentation - Income Docs Missing:: Borrower: XXX Third Missing Third Party Verification REVIEWER - 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 REVIEWER - GENERAL COMMENT (2023/XX/25): Missing -
Cash-out - Party Verification Missing third party verification. GENERAL COMMENT Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Verification appraisal was signed and dated initial application.
Other [3] Income Documentation - Income documentation requirements not met. (2023/XX/XX): applicant three (3) business days prior to consummation. (Type:Primary/07/XX/2016) delivered to borrower was not provided.
[3] Income Documentation - REO Documents are missing.: Address: XXX, Missing Third [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Application / Processing - Missing Document: Missing Lender's Initial
CA Insurance Verification, Tax Verification Party 1003: 1003 initial copy is missing in the file.
Verification
649207480 XXX XXX 1 XXX $XXX CA 12/XX/2018 11/XX/2018 Primary Refinance Non QM 3 C C C C [3] Application / Processing - FEMA Disaster Issue: The most recent The Property is located in a FEMA disaster area. 3 C C C C [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Federal Compliance - Check Loan Designation Match - QM: Originator Loan REVIEWER - GENERAL COMMENT (2023/XX/13): GENERAL COMMENT (2023/XX/18): Agree. TILA ATR/QM
Cash-out - valuation inspection is dated prior to the most recent FEMA Provide a post-disaster inspection verifying there Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Designation of Safe Harbor QM does not match Due Diligence Loan EXCEPTION HISTORY - Exception Detail was updated
Other disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX were no damage. The inspection must include [3] Federal Compliance - Sole Proprietorship Income Documentation Test: Qualified Mortgage (Dodd-Frank Designation of ATR Fail due to missing the income documents. on 06/XX/2023 PRIOR Exception Detail: Qualified GENERAL COMMENT (2023/XX/18): Agree with error cite &
Disaster End Date: XX/XX/XXXX exterior photos and the property must be re- 2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C) Federal Compliance - Sole Proprietorship Income Documentation Test: Mortgage (Dodd-Frank 2014): Originator Loan that tax returns are not signed.
Disaster Name: XXX inspected on or after XX/XX/XXXX declared end date. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Calculated the base income for the borrower from the document available Designation of Safe Harbor QM does not match Due
Disaster Declaration Date: XX/XX/XXXX Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to is lower than the Income qualified by the Underwriter. Documents were Diligence Loan Designation of ATR Fail.
applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2018) not provided to calculate Income - 1040 & Schedule C (2017), Transcript REVIEWER - GENERAL COMMENT (2023/XX/13): The tax
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003 (2017), P&L 2018, balance sheet 2018. returns provided for 2016 and 2017 are not
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 signed at dated.
Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Business Days Prior to Consummation: Creditor did not provide a copy of SELLER - GENERAL COMMENT (2023/XX/18): Agree.
Counseling Organizations not provided to applicant within three (3) business days of application. each valuation to applicant three (3) business days prior to REVIEWER - GENERAL COMMENT (2023/XX/21):
[2] Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test: TILA- consummation. Trailing docs did not contain any docs to clear
RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 12/XX/2018 Application / Processing - Missing Document: Missing Lender's Initial this exception.
incorrectly disclosed whether Homeowners Insurance is included in escrow. (Final/12/XX/2018) 1003: Lender's Application 1003 is missing REVIEWER - GENERAL COMMENT (2023/XX/13): The tax
[2] Federal Compliance - TRID Final Closing Disclosure Property Taxes Included In Escrow: TILA-RESPA Federal Compliance - RESPA Disclosure - List of Homeownership Counseling returns provided for 2016 and 2017 are not
Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 12/XX/2018 incorrectly Organizations Not Provided Within 3 Business Days of Application: signed at dated.
disclosed whether property taxes are included in escrow. (Final/12/XX/2018) Creditor did not provide a copy of each valuation to applicant three (3) SELLER - GENERAL COMMENT (2023/XX/18): Agree
[2] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan business days prior to consummation. Provided date is 12/XX/2018 while with error cite & that tax returns are not
Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images Application date is 11/XX/2018 signed.
to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance REVIEWER - GENERAL COMMENT (2023/XX/21):
used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Included In Escrow Test: The post-closing closing disclosure dated Trailing docs did not contain any docs to clear
Estimate, a fee tolerance cure of up to $XXX may be required. 1/XX/19 reflects escrows and the final closing disclosure dated 12/XX/18 this exception.
reflects no escrows. REVIEWER - GENERAL COMMENT (2023/XX/29): Missing
Federal Compliance - TRID Final Closing Disclosure Property Taxes Initial signed/dated 1003.
Included In Escrow: The post-closing closing disclosure dated 1/XX/19 REVIEWER - GENERAL COMMENT (2023/XX/30): Missing
reflects escrows and the final closing disclosure dated 12/XX/18 Signed/dated Initial 1003.
reflects no escrows. REVIEWER - GENERAL COMMENT (2023/XX/13): The
Federal Compliance - TILA-RESPA Integrated Disclosure: application date file is still missing a signed and dated initial
on or after 10/XX/2015, no Loan Estimates in the Loan File: Loan 1003.
Estimate not provided
649207358 XXX XXX 2 XXX $XXX CA 7/XX/2016 7/XX/2016 Investment Purchase N/A 1 A A A A [3] Guideline Issue - Aged document: Asset Account date is more than Both accounts exceeds the 90 age of document REVIEWER - 1 A A A A -
90 days prior to Closing.: Financial Institution: XXX // Account reflected in the lender guidelines. GENERAL COMMENT
Type: Individual Retirement Account (IRA) / Account Number: XXX, File is missing sufficient asset documentation to (2023/XX/08):
Financial Institution: XXX // Account Type: Stocks / Account Number: cover funds to close and required extensive File is missing
XXX reserves due to properties owned. all personal &
[3] Asset Documentation - Asset documentation requirements not met. File is missing sufficient assets, all income business income
[3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline documents for all borrowers, REO supporting documentation.
Findings: All conditions were not met documentation. Condition
[3] Asset Calculation / Analysis - Available for Closing is Borrower's are missing sufficient asset remains.
insufficient to cover Cash From Borrower.: Documented qualifying documentation to cover funds to close. REVIEWER -
Assets for Closing of $XXX is less than Cash From Borrower $XXX. Post Disaster Inspection (PDI) document is missing. GENERAL COMMENT
[3] Application / Processing - FEMA Disaster Issue: The most recent Borrower has insufficient assets to cover funds to (2023/XX/08):
valuation inspection is dated prior to the most recent FEMA close and extended reserves required. File is missing
disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX All income documentation is missing for all all personal &
Disaster End Date: XX/XX/XXXX borrowers. 2015/2014 signed/dated personal and business income
Disaster Name: XXX business tax returns and K1's, year to date documentation.
Disaster Declaration Date: XX/XX/XXXX P&L's/Balance sheets, third party verification Condition
[3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: dated within 30 days prior to note date, all income remains.
PITIA reserves months discrepancy.: Calculated PITIA months reserves documentation for any additional income being used REVIEWER -
of XXX is less than Guideline PITIA months reserves of XXX. and award letters. Unable to determine all GENERAL COMMENT
[3] Income Documentation - Income Docs Missing:: Borrower: XXX 1065 borrowers' income and business structure due to (2023/XX/08):
(2014), 1065 (2015), K-1 (2014), K-1 (2015), VVOE - Employment Only, missing documentation. File is missing
W-2 (2014), W-2 (2015) All income documentation is missing for all all personal &
[3] Income Documentation - Income Docs Missing:: Borrower: XXX 1065 borrowers. 2015/2014 signed/dated personal and business income
(2014), 1065 (2015), K-1 (2014), K-1 (2015), VVOE - Employment Only business tax returns and K1's, year to date documentation.
[3] Income Documentation - Income Docs Missing:: Borrower: XXX 1065 P&L's/Balance sheets, third party verification Condition
(2014), 1065 (2015), 1099-SSA (2014), 1099-SSA (2015), K-1 (2014), K- dated within 30 days prior to note date, all income remains.
1 (2015), VVOE - Employment Only, W-2 (2015), W-2 (2016) documentation for any additional income being used REVIEWER -
[3] Income Documentation - Income documentation requirements not met. and award letters. Unable to determine all GENERAL COMMENT
[3] Income Documentation - REO Documents are missing.: Address: XXX, borrowers' income and business structure due to (2023/XX/08):
CA Insurance Verification, Statement, Tax Verification missing documentation. File is missing
[3] Income Documentation - REO Documents are missing.: Address: XXX, All income documentation is missing for all all personal &
CA Insurance Verification borrowers. 2015/2014 signed/dated personal and business income
[3] Income Documentation - REO Documents are missing.: Address: XXX, business tax returns and K1's, year to date documentation.
NV Insurance Verification, Lease Agreement, Statement, Tax P&L's/Balance sheets, third party verification Condition
Verification dated within 30 days prior to note date, all income remains.
[3] Income Documentation - REO Documents are missing.: Address: XXX, documentation for any additional income being used REVIEWER -
CA Insurance Verification, Statement, Tax Verification and award letters. Unable to determine all GENERAL COMMENT
[3] Income Documentation - REO Documents are missing.: Address: XXX, borrowers' income and business structure due to (2023/XX/08):
CA Insurance Verification, Statement, Tax Verification missing documentation. EXCEPTION HISTORY
[3] Income Documentation - REO Documents are missing.: Address: XXX, All income documentation is missing for all - Exception
AZ Insurance Verification, Lease Agreement, Statement, Tax borrowers. 2015/2014 signed/dated personal and Explanation was
Verification business tax returns and K1's, year to date updated on
[3] Income Documentation - REO Documents are missing.: Address: XXX, P&L's/Balance sheets, third party verification 09/XX/2023 PRIOR
AZ Insurance Verification, Lease Agreement, Statement, Tax dated within 30 days prior to note date, all income Exception
Verification documentation for any additional income being used Explanation:
[3] Income Documentation - REO Documents are missing.: Address: XXX, and award letters. Unable to determine all Insurance
AZ Insurance Verification, Lease Agreement, Statement, Tax borrowers' income and business structure due to Verification,
Verification missing documentation. Lease Agreement,
[3] Income Documentation - REO Documents are missing.: Address: XXX, Insurance Verification, Lease Agreement, Statement, Statement, Tax
NV Insurance Verification, Lease Agreement, Statement, Tax Tax Verification document missing for property Verification
Verification Address: XXX, AZ
[3] Income Documentation - REO Documents are missing.: Address: XXX, Insurance Verification, Lease Agreement, Statement,
CA Insurance Verification, Lease Agreement, Tax Verification Tax Verification document missing for property
[3] Income Documentation - REO Documents are missing. Address: XXX, AZ:
[3] Income Documentation - REO Documents are missing. Insurance Verification, Lease Agreement, Statement,
[3] Income Documentation - REO Documents are missing. Tax Verification document missing for property
[3] Income Documentation - REO Documents are missing. Address: XXX, NV
[3] Income Documentation - REO Documents are missing. Insurance Verification, Lease Agreement, Statement,
Tax Verification document missing for property
address XXX, AZ
Insurance Verification, Statement, Tax Verification
document missing for property address XXX, CA
649208804 XXX XXX 2 XXX $XXX CA 6/XX/2020 5/XX/2020 Primary Purchase Safe Harbor 2 B B B B 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - CHARM Booklet Disclosure Status: Consumer Handbook -
QM on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. on Adjustable Rate Mortgages, CHARM Booklet, was not provided to the
[2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule borrower.
(Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date
Unable to determine compliance with appraisal timing requirements. (Type:Primary/05/XX/2020) Performed: Date valuation provided to applicant is prior to the date
[2] Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: TILA-RESPA Integrated when valuation was performed. Unable to determine compliance with
Disclosure - Contact Information: Final Closing Disclosure provided on 06/XX/2020 did not disclose the appraisal timing requirements
required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). Federal Compliance - TRID Final Closing Disclosure Contact Information -
(Final/06/XX/2020) Lender: Final Closing Disclosure provided on 06/XX/2020, page (5)
[2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every: TILA-RESPA Integrated missing Lender contact name.
Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2020 with an increasing payment Federal Compliance - TRID Final Closing Disclosure Payment Adjusts
disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. Every: Loan Terms: Final Closing Disclosure provided on 06/XX/2020 with
(Final/06/XX/2020) an increasing payment disclosed the frequency of adjustments that does
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated not match the actual adjustment period for the loan
Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to Federal Compliance - TRID Initial Closing Disclosure Timing without
closing. (Initial/06/XX/2020) Waiver: Closing Disclosure not provided to Borrower(s) at least three
(3) business days prior to closing
649207721 XXX XXX 2 XXX $XXX CA 10/XX/2017 10/XX/2017 Primary Refinance Temporary 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: Documentation certifying the subject property condo 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 -
Rate/Term SHQM Disclosure: E-Sign Consent Agreement is warrantable is missing from the file. Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Verification appraisal was
(GSE/Agency [3] Missing Document - File does not contain documentation from applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2017) delivered to borrower was not provided.
Eligible) lender/seller confirming the condo is warrantable.: Valuation Type: [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account Federal Compliance - TRID Final Closing Disclosure Finance Charge:
Appraisal / Valuation Report Date: 09/XX/2017 statement was not provided to the borrower. Finance charge disclosed is $XXX. Calculated finance charge is $XXX.
[2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Variance is $XXX. Unable to determine the cause of the under disclosure
Loan Calculations: Final Closing Disclosure provided on 10/XX/2017 disclosed an inaccurate Finance Charge due to missing the final itemization of finance charges. TILA Material
on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Disclosure Cure - Provide the following: Letter of Explanation, Proof of
Charge calculation are based on Closing Disclosure dated 11/XX/2017). (Final/10/XX/2017) Delivery, Refund check for underdisclosed amount, Corrected CD, and re-
[2] Federal Compliance - TRID Final Closing Disclosure Other Includes Insurance Costs: TILA-RESPA open rescission if applicable.
Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2017 disclosed
whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to
consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of
Projected Payments table. Disclosure requirement met, non-material exception for incorrect
format/placement. (Final/10/XX/2017)
649207325 XXX XXX 2 XXX $XXX CA 6/XX/2016 5/XX/2016 Primary Refinance Temporary 2 B B B B [3] Credit Documentation - Missing Document: Occupancy Certificate 2 B B B B [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Federal Compliance - TRID Final Closing Disclosure Finance Charge: REVIEWER - CURED COMMENT (2023/XX/23): -
Limited Cash- SHQM not provided Loan Calculations: Final Closing Disclosure provided on 06/XX/2016 disclosed an inaccurate Finance Charge Disclosed Finance Charges are $XXX. Calculated Finance Charges are $XXX. Sufficient Cure Provided At Closing
out GSE (GSE/Agency on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance There is a variance of -$XXX.
Eligible) Charge calculation are based on Closing Disclosure dated 06/XX/2016). (Final/XX/20/2016) Federal Compliance - TRID Ten Percent Tolerance Violation With
[1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Sufficient Cure Provided At Closing: 10% Tolerance exceeds by $XXX. File
TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds does not contain a valid COC, cure provided at closing.
tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower at Closing. (0)
649207912 XXX XXX 1 XXX $XXX CA 7/XX/2017 4/XX/2017 Primary Refinance Non QM 2 B B B B [3] Credit Documentation - Aged document: Credit Report is more than Latest credit report in the document file is dated [3] Appraisal Appraisal was 2 B B B B [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Application / Processing - Missing Document: Missing Lender's Initial REVIEWER - GENERAL COMMENT (2023/XX/25): Missing -
Cash-out - 90 days prior to the note date.: Credit Report: Original // Borrower: 04/XX/2017. Loan consummation date is 07/XX/2017. Documentation made subject [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - 1003: Initial 1003 not executed by lender or loan officer. signed and dated initial application.
Other XXX, Credit Report: Original // Borrower: XXX - Missing to and 1004D Loan Calculations: Final Closing Disclosure provided on 07/XX/2017 disclosed an inaccurate Finance Charge Federal Compliance - TRID Final Closing Disclosure Finance Charge:
Document: is missing on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Finance charge disclosed on Final Closing Disclosure as $XXX. Calculated
Appraisal was from loan file Charge calculation are based on Closing Disclosure dated 07/XX/2017). (Final/07/XX/2017) Finance Charge is $XXX - a difference of $XXX.
made "subject
to" and Form
1004D/442 was
not provided.:
Valuation
Type:
Appraisal /
Valuation
Report Date:
06/XX/2017
649207734 XXX XXX 2 XXX $XXX CA 8/XX/2019 8/XX/2019 Primary Purchase Safe Harbor 2 B B B B [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Per lender guides for the 2nd mortgage: Up to XXX% 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - CHARM Booklet Disclosure Status: The file was REVIEWER - GENERAL COMMENT (2023/XX/30): Missing -
QM Combined loan to value discrepancy.: Calculated combined loan to TLTV is allowed with a concurrent XXX 2nd with a on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. missing evidence the CHARM Booklet was provided to borrower within 3 CHARM Booklet provided within 3 days of
value percentage of XXX% exceeds Guideline combined loan to value minimum 730 credit score (or 740 if required by XXX [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to days of initial application. application.
percentage of 80.00000%. 1st Mortgage guidelines). The 2nd mortgage was Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
[3] Insurance Analysis - Insufficient Coverage: Hazard insurance provided by XXX, not XXX as required for the applicant three (3) business days prior to consummation. (Type:Primary/08/XX/2019) Business Days Prior to Consummation: Creditor did not provide a copy of
coverage amount is insufficient. increased LTV. [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account each valuation to applicant three (3) business days prior to
HOI coverage is insufficient by $XXX Provide statement was not provided to the borrower. consummation.
updated policy reflecting minimum coverage of $XXX Federal Compliance - RESPA - Initial Escrow Account Statement Missing:
OR provide copy of insurer's replacement cost Initial escrow account statement was not provided to the borrower in
estimate supporting current coverage amount. loan file
649207209 XXX XXX 2 XXX $XXX CA 7/XX/2019 6/XX/2019 Primary Refinance Safe Harbor 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent Property was not in FEMA disaster at the time of 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program Federal Compliance - TRID Final Closing Disclosure Contact Information - -
Cash-out - QM valuation inspection is dated prior to the most recent FEMA closing. Disaster end date XX/XX/XXXX. disclosure not provided to the borrower within three (3) days of application. Lender: Final Closing Disclosure provided on 07/XX/2019 did not disclose
Other disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook the required Lender Contact Information (Lender Name, Lender NMLS ID,
Disaster End Date: XX/XX/XXXX on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of Contact Name, Contact NMLS ID).
Disaster Name: XXX application.
Disaster Declaration Date: XX/XX/XXXX [2] Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: TILA-RESPA Integrated
Disclosure - Contact Information: Final Closing Disclosure provided on 07/XX/2019 did not disclose the
required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID).
(Final/07/XX/2019)
649207660 XXX XXX 1 XXX $XXX CA 9/XX/2017 8/XX/2017 Primary Purchase Non QM 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: E-sign Consent Agreement is missing. 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program Federal Compliance - ARM Disclosure Status Test: ARM loan program REVIEWER - GENERAL COMMENT (2023/XX/30): Missing -
Disclosure: E-Sign Consent Agreement disclosure not provided to the borrower. disclosure provided is not dated to determine that it was provided to CHARM Booklet provided within 3 days of
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook borrowers within 3 business days of application. application.
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure is missing
Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations Federal Compliance - RESPA Disclosure - List of Homeownership Counseling
to borrower. Organizations Missing: Document provided to borrowers did not contain
[2] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA-RESPA the list of 10 approved agencies to determine it was dated within 10
Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 09/XX/2017 incorrectly days of application date.
disclosed whether the loan will have an escrow account. (Final/09/XX/2017) Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated - Reason: Closing Disclosure provided on 09/XX/2017 on page 4 Will Not
Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to Have Escrow - Reason not disclosed.
closing. (Initial/09/XX/2017) Federal Compliance - TRID Initial Closing Disclosure Timing without
Waiver: Initial Closing Disclosure in file dated 9/XX/2017 is not signed
or dated by borrowers. Applying 3 day mailbox rule, CD received
9/XX/2017, which is less than 3 business days prior to closing.
649208008 XXX XXX 1 XXX $XXX CA 10/XX/2019 10/XX/2019 Primary Purchase Safe Harbor 2 B B B B [3] Insurance Analysis - Insufficient Coverage: Hazard insurance HOI coverage is insufficient by $XXX. Coverage 2 B B B B [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Federal Compliance - TRID Initial Closing Disclosure Timing without -
QM coverage amount is insufficient. must be at least the lessor of the Cost new from Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to Waiver: Earlier receipt was not provided.
[2] Application / Processing - 1003 Error: Birth Date was not the appraisal or the loan amount. Provide closing. (Initial/10/XX/2019)
provided: Borrower: XXX verification of policy with sufficient coverage OR
provide copy of insurer's replacement cost estimate
supporting current coverage amount.
Birth date is not provided for the Borrower "XXX"
649207792 XXX XXX 2 XXX $XXX CA 8/XX/2015 4/XX/2015 Investment Refinance N/A 2 B B B B [3] Income Documentation - REO Documents are missing.: Address: XXX, Mortgage statement missing for XXX, CA. [3] Appraisal Appraiser's 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 -
Rate/Term CA Statement Data Integrity license or Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Verification appraisal was
- Appraiser's certification applicant three (3) business days prior to consummation. (Type:Primary/07/XX/2015) delivered to borrower was not provided.
license or was not active [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal
certification at the time of Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" Disclosure Not Provided Timely: The Right to Receive Copy of Appraisal
was not active the appraisal. appraisal disclosure to applicant within three (3) business days of application or determination of first Disclosure was not provided to borrower within 3 days of initial
at the time of lien status. application.
the
appraisal.:
Valuation
Type:
Appraisal /
Valuation
Report Date:
07/XX/2015
649208398 XXX XXX 2 XXX $XXX CA 6/XX/2019 5/XX/2019 Primary Purchase Safe Harbor 2 B B B B 2 B B B B [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Federal Compliance - RESPA Disclosure - List of Homeownership Counseling -
QM Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations Organizations Missing: List of Homeownership Counseling Organizations is
to borrower. missing in file
649207071 XXX XXX 2 XXX $XXX CA 4/XX/2019 3/XX/2019 Primary Purchase Non QM 3 C C C C [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Appraisal reflects the subject as Single Family REVIEWER - 3 C C C C [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Federal Compliance - Check Loan Designation Match - QM: File is missing REVIEWER - GENERAL COMMENT (2023/XX/28): GENERAL COMMENT (2023/XX/18): Transcripts are in file TILA ATR/QM
Property type discrepancy.: Appraisal property type of Single Family when Final Title reflects it was a PUD and the GENERAL COMMENT Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Diploma for CoBorrower. Trailing documents reviewed unable to clear. for XXX covering Summer and Fall 2016 as well as
Detached does not match Guideline property type of PUD. Security Instrument contains a PUD Rider. (2023/XX/XX): The [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history Federal Compliance - QM Employment History: File is missing Diploma for SELLER - GENERAL COMMENT (2023/XX/18): transcript in file for XXX that covers 1/XX/2017 when
[3] Missing Document - Missing Lender's Initial 1003/Application. File is missing a fully executed initial 1004 reflects the requirement not met. (XXX/12402430) Sean Dupuis. Transcripts are in file for XXX covering Summer program entered and 11/XX/2017 completion date when XXX
application. subject property [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Federal Compliance - TRID Initial Closing Disclosure Timing without and Fall 2016 as well as transcript in file for was earned.
as Single Family Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to Waiver: Earlier receipt of disclosure not provided. XXX that covers 1/XX/2017 when program entered
Detached, However closing. (Initial/04/XX/2019) Federal Compliance - TRID Zero Percent Tolerance Violation Without and 11/XX/2017 completion date when XXX was GENERAL COMMENT (2023/XX/18): Transcripts are in file
the Security [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Sufficient Cure Provided: No valid change of circumstance or cure earned. for XXX covering Summer and Fall 2016 as well as
Instrument Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount provided for the Tax Service Fee exceeding the allowed tolerance. REVIEWER - GENERAL COMMENT (2023/XX/21): Unable transcript in file for XXX that covers 1/XX/2017 when
indicated a of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7580) to clear due to discrepancy in property type and program entered and 11/XX/2017 completion date when XXX
Planned Unit missing explanation for gap from 11/XX/2017 to was earned.
Development 3/XX/2018.
accompanied by a REVIEWER - GENERAL COMMENT (2023/XX/22):
Planned Unit EXCEPTION HISTORY - Exception Detail was updated
Development on 08/XX/2023 PRIOR Exception Detail: Qualified
Rider. Mortgage (Dodd-Frank 2014): Originator Loan
REVIEWER - Designation of Safe Harbor QM does not match Due
GENERAL COMMENT Diligence Loan Designation of ATR Risk.
(2023/XX/XX): REVIEWER - GENERAL COMMENT (2023/XX/28):
EXCEPTION HISTORY Trailing documents reviewed unable to clear.
- Exception SELLER - GENERAL COMMENT (2023/XX/18):
Explanation was Transcripts are in file for XXX covering Summer
updated on and Fall 2016 as well as transcript in file for
08/XX/2023 PRIOR XXX that covers 1/XX/2017 when program entered
Exception and 11/XX/2017 completion date when XXX was
Explanation: earned.
Appraisal REVIEWER - GENERAL COMMENT (2023/XX/21): Unable
property type of to clear due to discrepancy in property type and
does not match missing explanation for gap from 11/XX/2017 to
Guideline 3/XX/2018.
property type of
PUD.
649207957 XXX XXX 2 XXX $XXX CA 9/XX/2017 8/XX/2017 Primary Purchase Non QM 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: E- Sign Consent Document Missing 2 B B B B [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Federal Compliance - General Ability To Repay Provision Investor -
Disclosure: E-Sign Consent Agreement Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR Qualification Method not Matching ATR: The guidelines require 7/1 ARMS
payment calculation methods under 1026.43(c)(5). to be qualified using the Note rate, causing the loan to waterfall
through the QM Testing.
649208740 XXX XXX 2 XXX $XXX CA 12/XX/2014 12/XX/2014 Primary Purchase Safe Harbor 2 B B B B 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 REVIEWER - GENERAL COMMENT (2023/XX/25): Missing -
QM on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Business Days Prior to Consummation: File is missing evidence the signed and dated initial application.
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to borrower received the appraisal at least 3 business days prior to the
Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to closing date
applicant three (3) business days prior to consummation. (Type:Primary/12/XX/2014)
[2] Miscellaneous Compliance - (Doc Error) GFE Error: Changed Circumstance not provided.: GFE Date:
12/XX/2014 Changed Circumstance not provided for GFE dated 12/XX/2014 from GFE dated 11/XX/2014
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003
[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule:
Creditor did not provide HUD Settlement Cost Booklet.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate:
Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest
date on which the maximum rate may apply.
649207973 XXX XXX 1 XXX $XXX WA 12/XX/2016 9/XX/2016 Primary Refinance Safe Harbor 2 B B B B [3] Income Documentation - Income documentation requirements not met. File is missing a third party verification dated REVIEWER - 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - CHARM Booklet Disclosure Status: Document missing REVIEWER - GENERAL COMMENT (2023/XX/30): Missing GENERAL COMMENT (2023/XX/18): Agree. -
Cash-out - QM within 21 business days of the note date for GENERAL COMMENT on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 CHARM Booklet provided within 3 days of
Other borrower's business verifying dates of operation, (2023/XX/XX): [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Business Days Prior to Consummation: Verification appraisal was application.
in good standing at operational at closing. Trailing Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to delivered to borrower within 3 days of closing was not provided. REVIEWER - GENERAL COMMENT (2023/XX/01):
documents applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2016) Federal Compliance - RESPA Disclosure - List of Homeownership Counseling EXCEPTION HISTORY - Exception Detail was updated
reviewed unable [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Organizations Missing: The file was missing a copy of the Homeownership on 08/XX/2023 PRIOR Exception Detail: TILA-RESPA
to clear. Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations Counseling disclosure or proof of the borrower's receipt within 3 days Integrated Disclosure - Loan Calculations: Final
SELLER - GENERAL to borrower. of originator application date. Closing Disclosure provided on 12/XX/2016
COMMENT [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent disclosed an inaccurate Finance Charge on page 5
(2023/XX/XX): statement was not provided to the borrower. Change Frequency: Per calculated subsequent change frequency, the CD that does not match the actual Finance Charge
Agree. [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: TILA-RESPA does not match the note changes. for the loan (fee amounts included in Finance
REVIEWER - Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 12/XX/2016 Federal Compliance - TRID Final Closing Disclosure Finance Charge: Charge calculation are based on Closing
GENERAL COMMENT disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the Finance charge is under disclosed by $XXX. Unable to determine the cause Disclosure dated 01/XX/2017). (Final/12/XX/2016)
(2023/XX/XX): loan. (Final/12/XX/2016) of the under disclosure due to missing itemization of amount financed.
Verification of [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Federal Compliance - TRID Lender Credit Tolerance Violation: File is
Third Party SE Loan Calculations: Final Closing Disclosure provided on 12/XX/2016 disclosed an inaccurate Finance Charge missing a valid change of circumstance and no tolerance cure was
employment not on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the provided.
found as amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds Federal Compliance - TRID Zero Percent Tolerance Violation Without
required. the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure Sufficient Cure Provided: Fee Amount of $XXX exceeds tolerance of $XXX.
dated 01/XX/2017). (Final/12/XX/2016) Insufficient or no cure was provided to the borrower.
[2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero
Percent Tolerance exceeded for Lender Credits. Final Lender Credit of -$XXX is less than amount of binding
Lender Credit previously disclosed in the amount of -$XXX. (9300)
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee. Fee Amount of $XXX
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75201)
649208444 XXX XXX 2 XXX $XXX CA 12/XX/2016 11/XX/2016 Primary Purchase Safe Harbor 2 B B B B [3] Mortgage / Program Eligibility - Guideline Requirement: Loan to Per lender guides, for an extended LTV of XXX%, 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet -
QM value discrepancy.: Calculated loan to value percentage of XXX% borrower must have a 740 fico which they do not on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Disclosure is missing in file. Please provide.
exceeds Guideline loan to value percentage of 75.00000%. have. Max LTV is XXX% per lender guides. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
[3] Application / Processing - Missing Document: Purchase Agreement / Purchase Contract is missing in file. Please Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Creditor did not provide a copy of
Sales Contract not provided provide. applicant three (3) business days prior to consummation. (Type:Primary/12/XX/2016) each valuation to applicant three (3) business days prior to
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account consummation.
statement was not provided to the borrower. Federal Compliance - RESPA - Initial Escrow Account Statement Missing:
Initial escrow account statement disclosure is missing in file.
649207512 XXX XXX 2 XXX $XXX CA 4/XX/2019 3/XX/2019 Primary Purchase Safe Harbor 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent SELLER - GENERAL 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program Federal Compliance - ARM Disclosure Timing Test: ARM loan program GENERAL COMMENT (2023/XX/18): Disagree; XXX guidelines -
QM valuation inspection is dated prior to the most recent FEMA COMMENT disclosure not provided to the borrower within three (3) days of application. disclosure not provided to the borrower within three (3) days of did not require a re-inspection for this property prior
disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX (2023/XX/XX): [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook application. to loan closing.
Disaster End Date: XX/XX/XXXX Disagree; XXX on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of Federal Compliance - CHARM Booklet Disclosure Timing: Consumer Handbook
Disaster Name: XXX guidelines did application. on Adjustable Rate Mortgages, CHARM Booklet, not provided to the GENERAL COMMENT (2023/XX/18): Agree.
Disaster Declaration Date: XX/XX/XXXX not require a re- [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In borrower within three (3) days of application.
[3] General - Missing Document: Drive By not provided inspection for File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or
[3] Income Documentation - Verification(s) of employment is not this property least three (3) business days prior to closing, and appraisal was not provided at or before closing. Before Closing (3-Day Waiver In File): Proof of receipt of appraisal was
within 10 business days of the Note.: Borrower: XXX // Employment prior to loan (Type:Primary/04/XX/2019) not provided.
Type: Employment / Income Type: Wages / Start Date: 09/XX/2018 closing. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without
REVIEWER - Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount Sufficient Cure Provided: Tax Service Fee was last disclosed as $XXX on
GENERAL COMMENT of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7580) LE but disclosed as $XXX on Final Closing Disclosure. File does not
(2023/XX/XX): An [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA contain a valid COC for this fee, nor evidence of cure in file.
inspection is Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXX Federal Compliance - TRID Zero Percent Tolerance Violation Without
required for exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7507) Sufficient Cure Provided: Second Appraisal Fee was last disclosed as
properties in $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does
which the most not contain a valid COC for this fee, nor evidence of cure in file.
recent valuation
inspection date
is prior to the
Disaster
Declaration End
Date. Inspection
not found in
order to clear
the exception.
SELLER - GENERAL
COMMENT
(2023/XX/XX):
Agree.
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
VVOE within 10
business days not
provided as
required.
Exception
remains.
649208196 XXX XXX 1 XXX $XXX CA 9/XX/2017 9/XX/2017 Primary Purchase Non QM 2 B B B B [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: It appears the lender used the purchase price of 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet is -
Combined loan to value discrepancy.: Calculated combined loan to the property versus the market value of the on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. missing and evidence of borrower's receipt is missing.
value percentage of XXX% exceeds Guideline combined loan to value property which came in lower. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
percentage of 90.00000%. It appears the lender used the purchase price of Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Evidence of borrower's receipt of
[3] Mortgage / Program Eligibility - Guideline Requirement: Loan to the property versus the market value of the applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2017) the appraisal is missing.
value discrepancy.: Calculated loan to value percentage of XXX% property which came in lower. [2] Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: TILA-RESPA Integrated Federal Compliance - TRID Final Closing Disclosure Contact Information -
exceeds Guideline loan to value percentage of 80.00000%. Note for 2nd mortgage is missing from the file. Disclosure - Contact Information: Final Closing Disclosure provided on 09/XX/2017 did not disclose the Lender: Lender Contact Information i not updated in final cd.
[3] Mortgage / Program Eligibility - Missing Document: Note - File is missing tax cert and the security deposit required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID).
Subordinate Lien not provided for the rent and evidence borrower deposited it (Final/09/XX/2017)
[3] Income Documentation - REO Documents are missing.: Address: XXX, into their bank account.
CA Tax Verification, Verification of Security Deposit
649208231 XXX XXX 1 XXX $XXX CA 12/XX/2018 10/XX/2018 Primary Refinance Non QM 3 C C C C [3] Insurance Analysis - Insufficient Coverage: Hazard insurance Replacement Cost estimator is not provided. Hazard 3 C C C C [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Federal Compliance - Check Loan Designation Match - QM: Failure due to REVIEWER - GENERAL COMMENT (2023/XX/03): GENERAL COMMENT (2023/XX/XX): N/A; Duplicative TILA ATR/QM
Cash-out - coverage amount is insufficient. insurance coverage amount is insufficient. Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. missing income and asset documentation and the appraisal. Exception remains due to the third party Exception
Home [3] Appraisal Documentation - Missing Document: Appraisal not Appraisal is not provided. [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd- Federal Compliance - General Ability To Repay Provision Investor verification for XXX is not within 21 days of
Improvement provided Fraud report is not provided. Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Guidelines: Failure due to missing income and asset docs. the note date and the appraisal is missing. GENERAL COMMENT (2023/XX/XX): N/A; Duplicative
[3] Credit Documentation - No evidence of fraud report in file: [3] Federal Compliance - Self Employed Financial Strength: Qualified Mortgage (Dodd-Frank 2014): Financial Federal Compliance - Self Employed Financial Strength: B1 is showing a SELLER - GENERAL COMMENT (2023/XX/18): N/A; Exception
Credit Report: Original // Borrower: XXX, Credit Report: Original // strength of self-employed business reflects annual earnings that significantly decline over the analysis continual decline in income. A letter of explanation was not provided. Duplicative Exception
Borrower: XXX period. (XXX) Federal Compliance - TRID Initial Closing Disclosure Timing without REVIEWER - GENERAL COMMENT (2023/XX/21): GENERAL COMMENT (2023/XX/XX): B1 LOE dated 11/XX/2018
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Waiver: Evidence of borrower's receipt of the initial CD was not Trailing docs did not contain any docs to clear for continual decline in income provided under
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. provided. this exception. MISC|Income LOE. 2016 was a one off and 2017 was not a
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated SELLER - GENERAL COMMENT (2023/XX/05): Provided decline but due to completion of one off. 2018 P&L
Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to LOE addressing 2017 income decline (tax strategy supports increasing trend.
closing. (Initial/12/XX/2018) advised by CPA), along with 2018 YTD P&L
supporting income stabilized. GENERAL COMMENT (2023/XX/XX): Provided LOE addressing
REVIEWER - GENERAL COMMENT (2023/XX/06): 2017 income decline (tax strategy advised by CPA),
Exception was elevated. Here are the results: along with 2018 YTD P&L supporting income stabilized.
The requirements under Appendix Q for analyzing
the self-employed financial strength of a GENERAL COMMENT (2023/XX/XX): Provided LOE addressing
business permit earnings that are increasing or 2017 income decline (tax strategy advised by CPA),
stable but do not accept income that show a along with 2018 YTD P&L supporting income stabilized.
"significant decline" over the analysis period.
While it is acknowledged the term "significant GENERAL COMMENT (2023/XX/XX): Duplicate and/or
decline" is not defined with Appendix Q, waterfall exception
SitusAMC has used a 20% decline as the benchmark
in our QM Appendix Q testing since the inception GENERAL COMMENT (2023/XX/XX): Disagree; Provided LOE
of the rule back in 2013. While the 20% addressing 2017 income decline (tax strategy advised by
benchmark may appear subjective (as would any CPA), along with 2018 YTD P&L supporting income
number given it's not defined), the HUD Handbook stabilized.
previously reflected "significant decline," but
after Appendix Q rolled out in 2013, HUD GENERAL COMMENT (2023/XX/XX): Disagree; Provided LOE
subsequently updated to reference a "20% addressing 2017 income decline (tax strategy advised by
decline" in place of "significant decline" (see CPA), along with 2018 YTD P&L supporting income
snip below). SitusAMC also implemented this 20% stabilized.
threshold as the default approach in order to
have a reasonable, established threshold to meet
the "significant decline" requirement under
Appendix Q. In terms of what documentation can
clear the exception, if the declining income was
used in qualifying, there is little that can be
done, post-close, to clear or cure that action
and the exception is largely considered
uncurable.
SELLER - GENERAL COMMENT (2023/XX/25): Disagree;
Provided LOE addressing 2017 income decline (tax
strategy advised by CPA), along with 2018 YTD
P&L supporting income stabilized.
REVIEWER - GENERAL COMMENT (2023/XX/27):
EXCEPTION HISTORY - Exception Detail was updated
on 09/XX/2023 PRIOR Exception Detail: Qualified
Mortgage (Dodd-Frank 2014): Originator Loan
Designation of Safe Harbor QM does not match Due
Diligence Loan Designation of ATR Fail.
REVIEWER - GENERAL COMMENT (2023/XX/27):
Reviewed trailing documentation. Documents
necessary to clear the conditions were not
provided. Exception remains.
REVIEWER - GENERAL COMMENT (2023/XX/03):
Exception remains due to the third party
verification for XXX is not within 21 days of
the note date and the appraisal is missing.
SELLER - GENERAL COMMENT (2023/XX/18): N/A;
Duplicative Exception
REVIEWER - GENERAL COMMENT (2023/XX/21):
Appraisal was not provided. Condition remains.
SELLER - GENERAL COMMENT (2023/XX/25): Duplicate
and/or waterfall exception
REVIEWER - GENERAL COMMENT (2023/XX/27):
Reviewed trailing documentation. Documents
necessary to clear the conditions were not
provided. Exception remains.
REVIEWER - GENERAL COMMENT (2023/XX/28):
Trailing docs did not contain any docs to clear
this exception.
SELLER - GENERAL COMMENT (2023/XX/18): B1 LOE
dated 11/XX/2018 for continual decline in income
provided under MISC|Income LOE. 2016 was a one
off and 2017 was not a decline but due to
completion of one off. 2018 P&L supports
increasing trend.
REVIEWER - GENERAL COMMENT (2023/XX/21):
Trailing docs did not contain any docs to clear
this exception.
SELLER - GENERAL COMMENT (2023/XX/05): Provided
LOE addressing 2017 income decline (tax strategy
advised by CPA), along with 2018 YTD P&L
supporting income stabilized.
REVIEWER - GENERAL COMMENT (2023/XX/06):
Exception was elevated. Here are the results:
The requirements under Appendix Q for analyzing
the self-employed financial strength of a
business permit earnings that are increasing or
stable but do not accept income that show a
"significant decline" over the analysis period.
While it is acknowledged the term "significant
decline" is not defined with Appendix Q,
SitusAMC has used a 20% decline as the benchmark
in our QM Appendix Q testing since the inception
of the rule back in 2013. While the 20%
benchmark may appear subjective (as would any
number given it's not defined), the HUD Handbook
previously reflected "significant decline," but
after Appendix Q rolled out in 2013, HUD
subsequently updated to reference a "20%
decline" in place of "significant decline" (see
snip below). SitusAMC also implemented this 20%
threshold as the default approach in order to
have a reasonable, established threshold to meet
the "significant decline" requirement under
Appendix Q. In terms of what documentation can
clear the exception, if the declining income was
used in qualifying, there is little that can be
done, post-close, to clear or cure that action
and the exception is largely considered
uncurable.
SELLER - GENERAL COMMENT (2023/XX/25): Disagree;
Provided LOE addressing 2017 income decline (tax
strategy advised by CPA), along with 2018 YTD
P&L supporting income stabilized.
REVIEWER - GENERAL COMMENT (2023/XX/27):
Reviewed trailing documentation. Documents
necessary to clear the conditions were not
provided. Exception remains.
649207695 XXX XXX 2 XXX $XXX WA 4/XX/2017 4/XX/2017 Primary Purchase Non QM 3 C C C C [3] Asset Calculation / Analysis - Available for Closing is Documented qualifying Assets for Closing of $XXX 3 C C C C [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Federal Compliance - Check Loan Designation Match - QM: Loan designation TILA ATR/QM
insufficient to cover Cash From Borrower.: Documented qualifying is less than Cash From Borrower $XXX. Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. failure due to ATR failure. This exception will be cleared once all ATR
Assets for Closing of $XXX is less than Cash From Borrower $XXX. [3] Federal Compliance - Overtime Bonus 2Yr Calc: Qualified Mortgage (Dodd-Frank 2014): Use of specific exception have been cured/ cleared.
Overtime/Bonus income for less than two (2) years not justified or documented in writing. (XXX XXX/Bonus) Federal Compliance - Overtime Bonus 2Yr Calc: Written verification of
[3] Federal Compliance - Overtime Bonus Declining: Qualified Mortgage (Dodd-Frank 2014): Use of continual employment provided in loan file reflects "see attached" but missing
decline in income for Overtime/Bonus not justified or documented. (XXX XXX/Bonus) other page. Unable to determine/verify prior year bonus income due to
[3] Federal Compliance - Overtime Bonus Method of Calculation: Qualified Mortgage (Dodd-Frank 2014): missing documentation.
Significant income variation requires a period of more than two (2) years when calculating the average Federal Compliance - Overtime Bonus Declining: Written verification of
Overtime/Bonus income. (XXX XXX/Bonus) employment provided in loan file reflects "see attached" but missing
[3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds other page. Unable to determine/verify prior year bonus income due to
43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the missing documentation.
appropriate agency. Federal Compliance - Overtime Bonus Method of Calculation: Written
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook verification of employment provided in loan file reflects "see attached"
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. but missing other page. Unable to determine/verify prior year bonus
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to income due to missing documentation.
Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Federal Compliance - QM DTI: The DTI of 43.17542% exceeds the QM maximum
applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2017) of 43.00%
[2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR Business Days Prior to Consummation: Verification appraisal was
payment calculation methods under 1026.43(c)(5). delivered to borrower was not provided.
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Application / Processing - Missing Document: Missing Lender's Initial
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account 1003: Initial 1003 in loan file is missing borrowers signature and date.
statement was not provided to the borrower. Federal Compliance - TRID Initial Closing Disclosure Timing without
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Waiver: Closing Disclosure dated 04/XX/2017 was not provided to
Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to Borrower(s) at least three business days prior to closing 04/XX/2017.
closing. (Initial/04/XX/2017) Federal Compliance - TRID Zero Percent Tolerance Violation Without
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Sufficient Cure Provided: Appraisal Fee was last disclosed as $XXX on
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds LE but disclosed as $XXX on Final Closing Disclosure. File does not
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) contain a valid COC for this fee, nor evidence of cure in file. A copy
of refund check, proof of delivery, and a copy of the letter of
explanation sent to the borrower disclosing the changes made.
649209079 XXX XXX 1 XXX $XXX CA 5/XX/2018 5/XX/2018 Primary Purchase Safe Harbor 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: 2 B B B B [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In Application / Processing - Missing Document: Missing Lender's Initial -
QM Disclosure: E-Sign Consent Agreement File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at 1003: File is missing signed/dated initial application
least three (3) business days prior to closing, and appraisal was not provided at or before closing.
(Type:Primary/05/XX/2018)
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account
statement was not provided to the borrower.
649208795 XXX XXX 2 XXX $XXX WA 3/XX/2018 2/XX/2018 Investment Purchase N/A 2 B B B B [3] Income Documentation - Verification(s) of employment is not 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to -
within 10 business days of the Note.: Borrower: XXX // Employment Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to
Type: Employment / Income Type: Wages / Start Date: 02/XX/2016 applicant three (3) business days prior to consummation. (Type:Primary/02/XX/2018)
[3] Income Documentation - Verification(s) of employment is not
within 10 business days of the Note.: Borrower: XXX // Employment
Type: Employment / Income Type: Wages / Start Date: 05/XX/2005
649206910 XXX XXX 2 XXX $XXX CA 12/XX/2017 10/XX/2017 Primary Refinance Non QM 3 C C C C [3] Missing Document - E-sign Consent Agreement is missing.: E-sign Consent Agreement is missing in the file. 3 C C C C [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Federal Compliance - Check Loan Designation Match - QM: The Originator TILA ATR/QM
Cash-out - Disclosure: E-Sign Consent Agreement Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Loan Designation is Safe Harbor QM. However, the loan is missing self
Other [3] Federal Compliance - Self Employed Financial Strength: Qualified Mortgage (Dodd-Frank 2014): Financial employed income documentation which resulted in a Due Diligence Loan
strength of self-employed business reflects annual earnings that significantly decline over the analysis Designation of Non QM.
period. (XXX XXX/Schedule C) Federal Compliance - Self Employed Financial Strength: Letter of
[3] Federal Compliance - Sole Proprietorship Income Documentation Test: Qualified Mortgage (Dodd-Frank explanation in file addressing the decline from one year to the other;
2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C) however, it does not address why the YTD figure is down even more.
[3] Federal Compliance - Sole Proprietorship Income Documentation Test: Qualified Mortgage (Dodd-Frank Without additional information, the YTD average should have been
2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C) utilized for qualifying.
[2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program Federal Compliance - Sole Proprietorship Income Documentation Test:
disclosure not provided to the borrower. Self-employed documentation is insufficient due to missing signed and
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook dated tax returns for both borrower and co-borrower, and balance sheets.
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Federal Compliance - Sole Proprietorship Income Documentation Test:
[2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a Self-employed documentation is insufficient due to missing signed and
prepayment penalty was included in the pay-off which may impact high cost findings. dated tax returns for both borrower and co-borrower, and balance sheets.
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Federal Compliance - ARM Disclosure Status Test: Evidence of disclosure
Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations receipt is not in file.
to borrower. Federal Compliance - CHARM Booklet Disclosure Status: Evidence of
disclosure receipt is not in file.
Federal Compliance - Payoff Statement Missing: Mortgage payoff statement
is not in file.
Federal Compliance - RESPA Disclosure - List of Homeownership Counseling
Organizations Missing: Evidence of disclosure receipt is not in file.
649207979 XXX XXX 1 XXX $XXX CA 3/XX/2015 2/XX/2015 Primary Refinance Non QM 2 B B B B [3] Mortgage / Program Eligibility - Missing Document: Note - File is missing a copy of the 2nd mortgage note. 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet is -
Cash-out - Subordinate Lien not provided Evidence this lien was satisfied or paid was not on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. missing on file
Debt [2] Credit Eligibility - Public Record Issue:: Credit Report: provided. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
Consolidation Original // Public Record Type: Tax Liens / Balance: XXX Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Creditor did not provide a copy of
applicant three (3) business days prior to consummation. (Type:Primary/02/XX/2015) each valuation to applicant three (3) business days prior to
[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA consummation.
(2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru
for all other settlement charges. Date Less than 10 Days: GFE does not provide minimum ten (10) business
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Change Date day availability for estimate of charges and terms for all other
Inaccurate (ARM loan): Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" date on the Final settlement charges
TIL does not match the date on which the first regular periodic payment will be due and the earliest date Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum
on which that rate may apply. In First 5 Years Change Date Inaccurate (ARM loan): The final TIL
reflects the date as 03/XX/2015, however the calculated date is
04/XX/2015.
649208761 XXX XXX 2 XXX $XXX CA 3/XX/2020 3/XX/2020 Investment Refinance N/A 2 B B B B [3] Guideline Issue - Aged document: Primary Valuation is older than Per, guidelines the Appraisal cannot be (120) days 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 -
Rate/Term guidelines permit: Valuation Type: Appraisal / Valuation Report Date: prior to the Note date. The Valuation Report date Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Valuations were not provided to
10/XX/2019 is 10/XX/2019 the Note Date is 03/XX/2020. applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2019) borrower(s) (3) days prior to loan consummation.
[3] General - Final Title Policy Coverage is less than Original Loan The Final Title Policy Amount of $XXX is less than
Amount.: The Final Title Policy Amount of $XXX is less than the note the note amount of $XXX based on the Short Form in
amount of $XXX based on the Short Form in file. file. There is a variance of ($XXX)
[3] Income Documentation - Income Docs Missing:: Borrower: XXX Third Income documentation requirements were not met. Due
Party Verification to missing supporting income documentation of
[3] Income Documentation - Income documentation requirements not met. borrower(s) Interest/Dividends and Capital Gains
[3] Income Documentation - REO Documents are missing.: Address: XXX, Income.
CA Insurance Verification Income documentation requirements were not met. Due
to missing supporting income documentation of
borrower(s) Interest/Dividends and Capital Gains
Income.
Property XXX, is missing the real estate tax
verification and insurance policy.
649207686 XXX XXX 1 XXX $XXX CA 4/XX/2015 10/XX/2014 Investment Refinance N/A 2 B B B B [3] Missing Document - File does not contain documentation from 2 B B B B [2] Miscellaneous Compliance - ECOA Appraisal - Borrower Was Charged for Appraisal: ECOA Valuations Rule Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 -
Cash-out - lender/seller confirming the condo is warrantable.: Valuation Type: (Dodd-Frank 2014): Creditor improperly charged consumer for copy of appraisal. Business Days Prior to Consummation: Verification appraisal was
Other Appraisal / Valuation Report Date: 11/XX/2014 [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to delivered to borrower was not provided.
Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Application / Processing - Missing Document: Missing Lender's Initial
applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2014) 1003: The file was missing a copy of the Initial 1003.
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003
649208498 XXX XXX 1 XXX $XXX CA 5/XX/2016 3/XX/2016 Primary Purchase Safe Harbor 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 -
QM Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Evidence of Borrower's receipt of
applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2016) each valuation three (3) business days prior to consummation not
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003 provided.
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account Application / Processing - Missing Document: Missing Lender's Initial
statement was not provided to the borrower. 1003: An initial application signed and dated by the borrowers not
[2] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: provided.
TRID Final Closing Disclosure 05/XX/2016 on a first lien purchase transaction did not disclose any Seller Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees
paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/05/XX/2016) Primary Residence First Lien: No seller fees reported on seller CD or on
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Buyer's CD.
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of Federal Compliance - TRID Zero Percent Tolerance Violation Without
$XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75103) Sufficient Cure Provided: No valid cure or COC provided
649208206 XXX XXX 1 XXX $XXX CA 7/XX/2015 6/XX/2015 Primary Purchase Safe Harbor 2 B B B B [3] Missing Document - File does not contain documentation from 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - CHARM Booklet Disclosure Status: Consumer Handbook -
QM lender/seller confirming the condo is warrantable.: Valuation Type: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. on Adjustable Rate Mortgages, CHARM Booklet, not provided.
Appraisal / Valuation Report Date: 07/XX/2015 [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Federal Compliance - TILA NMLSR - Individual Originator NMLS information
[3] Application / Processing - Missing Document: HOA Questionnaire [2] Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match on documents does not match NMLS website: XXX #XXX Loan Originator is
not provided NMLS website: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information not located in NMLS data base
on loan documents does not match NMLSR. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet
[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Missing: HUD Settlement Cost Booklet not provided.
Creditor did not provide HUD Settlement Cost Booklet. Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Change Date In First 5 Years Change Date Inaccurate (ARM loan): The "Maximum First
Inaccurate (ARM loan): Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" date on the Final Five Years" date on the Final TIL does not match the date on which the
TIL does not match the date on which the first regular periodic payment will be due and the earliest date first regular periodic payment will be due and the earliest date on
on which that rate may apply. which that rate may apply.
649209097 XXX XXX 2 XXX $XXX CA 12/XX/2018 11/XX/2018 Primary Refinance Non QM 3 C C C C 3 C C C C [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Federal Compliance - Check Loan Designation Match - QM: Due to missing SELLER - GENERAL COMMENT (2023/XX/18): Missing GENERAL COMMENT (2023/XX/18): Missing lease document TILA ATR/QM
Cash-out - Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. income documentation and origination credit report the ability to repay lease document per finding above. per finding above.
Other [3] Federal Compliance - Rental Income Documentation - Schedule E Method Test: Qualified Mortgage (Dodd- is not supported, causing the loan to waterfall through the QM Testing. REVIEWER - GENERAL COMMENT (2023/XX/22): No
Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Return Federal Compliance - Rental Income Documentation - Schedule E Method additional documentation provided. Exception GENERAL COMMENT (2023/XX/18): Concur, unable to locate
not provided. (XXX/Schedule E) Test: QM requires a lease agreement, which is missing from the loan remains. lease for property which was a self-rental to the
[2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program file, causing the loan to waterfall through the QM Testing. REVIEWER - GENERAL COMMENT (2023/XX/22): borrower's 100% owned business and therefore the rent
disclosure not provided to the borrower. Federal Compliance - ARM Disclosure Status Test: ARM loan program EXCEPTION HISTORY - Exception Detail was updated is offset by a rental expense for the business.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook disclosure not provided to the borrower. on 08/XX/2023 PRIOR Exception Detail: Qualified
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Federal Compliance - CHARM Booklet Disclosure Status: Consumer Handbook Mortgage (Dodd-Frank 2014): Originator Loan
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to on Adjustable Rate Mortgages, CHARM Booklet, not provided to the Designation of Safe Harbor QM does not match Due
Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to borrower. Diligence Loan Designation of ATR Fail.
applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2018) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 SELLER - GENERAL COMMENT (2023/XX/18): Concur,
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Business Days Prior to Consummation: Nothing in the loan file to unable to locate lease for property which was a
Credit Score Disclosure. evidence delivery of the appraisal to the borrower. self-rental to the borrower's 100% owned
[2] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - Federal Compliance - FACTA Disclosure Missing: Creditor did not provide business and therefore the rent is offset by a
General Information: Final Closing Disclosure provided on 12/XX/2018 disclosed a Product that does not FACTA Credit Score Disclosure. rental expense for the business.
match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an Federal Compliance - TRID Final Closing Disclosure Product Testing: REVIEWER - GENERAL COMMENT (2023/XX/22): No
adjustable rate or adjustable payment with incorrect Product disclosure. (Final/12/XX/2018) General Information: Final Closing Disclosure provided on 12/XX/2018 additional documentation provided. Exception
[2] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan disclosed a Product that does not match the actual product for the loan. remains.
Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images Additional AIR/AP table failures could apply for loans with an REVIEWER - GENERAL COMMENT (2023/XX/30): Missing
to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was adjustable rate or adjustable payment with incorrect Product disclosure. CHARM Booklet provided within 3 days of
used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Federal Compliance - TILA-RESPA Integrated Disclosure: application date application.
Estimate, a fee tolerance cure of up to $XXX may be required. on or after 10/XX/2015, no Loan Estimates in the Loan File: Loan
Estimate not provided within loan images to evidence delivery to the
Borrower(s). The earliest Closing Disclosure provided in the loan file
was used as the estimated baseline for Tolerance Testing. Depending on
the actual values on the initial Loan Estimate, a fee tolerance cure of
up to $XXX may be required.
649208262 XXX XXX 1 XXX $XXX CA 9/XX/2017 5/XX/2017 Primary Refinance ATR Fail 3 C C C C 3 C C C C [3] Federal Compliance - Check Loan Designation Match - ATR: Ability to Repay (Dodd-Frank 2014): Originator Federal Compliance - Check Loan Designation Match - ATR: Originator Loan SELLER - GENERAL COMMENT (2023/XX/18): agree. GENERAL COMMENT (2023/XX/18): agree. 2015 & 2014 1040s TILA ATR/QM
Rate/Term Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. Designation of Non QM does not match Due Diligence Loan Designation of REVIEWER - GENERAL COMMENT (2023/XX/22): No new were provided, but business income was calculated using
[3] Federal Compliance - General Ability To Repay Provision Employment - K-1 Less 25%: Ability-to-Repay ATR Fail. information/documentation provided. Exception 2015 & 2016 K1s and business returns.
(Dodd-Frank 2014): Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable Federal Compliance - General Ability To Repay Provision Employment - K-1 remains.
third-party records. (XXX XXX/Schedule K-1 less than 25 Percent) Less 25%: The file is missing the most recent signed and dated 1040 tax SELLER - GENERAL COMMENT (2023/XX/25): Duplicate GENERAL COMMENT (2023/XX/18): agree. 2015 & 2014 1040s
[3] Federal Compliance - General Ability To Repay Provision Income and Assets - K-1 Less 25%: Ability to returns or most recent tax transcripts, causing the loan to waterfall and/or waterfall exception were provided, but business income was calculated using
Repay (Dodd-Frank 2014): Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable through the QM Testing. REVIEWER - GENERAL COMMENT (2023/XX/27): 2015 & 2016 K1s and business returns.
third-party records. (XXX XXX/Schedule K-1 less than 25 Percent) Federal Compliance - General Ability To Repay Provision Income and Reviewed trailing documentation. Documents
[3] Federal Compliance - General Ability To Repay Provision Income and Assets - Partnership: Ability to Assets - K-1 Less 25%: The file is missing the most recent signed and necessary to clear the conditions were not GENERAL COMMENT (2023/XX/18): agree. 2015 & 2014 1040s
Repay (Dodd-Frank 2014): Unable to verify Partnership income using reasonably reliable third-party records. dated 1040 tax returns or most recent tax transcripts, causing the loan provided. Exception remains. were provided, but business income was calculated using
(XXX XXX/Partnership) to waterfall through the QM Testing. SELLER - GENERAL COMMENT (2023/XX/18): agree. 2015 & 2016 K1s and business returns.
[3] Federal Compliance - General Ability To Repay Provision Income and Assets - S-Corp: Ability to Repay Federal Compliance - General Ability To Repay Provision Income and 2016 personal tax returns are on extension, as
(Dodd-Frank 2014): Unable to verify S-Corp income using reasonably reliable third-party records. (XXX Assets - Partnership: One of the following missing documents is required verified by extension in file (1040s document GENERAL COMMENT (2023/XX/18): agree. 2016 personal tax
XXX/S-Corp) for this income source: 1) Most recent tax transcripts; 2) Most recent uploaded 4/XX/2023 at 5:40pm). However, since returns are on extension, as verified by extension in
[2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program signed, dated 1040s; 3) Audited YTD P&L; 4) Most recent Business tax 2016 business returns and income were used to file (1040s document uploaded 4/XX/2023 at 5:40pm).
disclosure not provided to the borrower. transcripts; 5) Most recent signed, dated business returns. qualify, the 2016 1040s should have been However, since 2016 business returns and income were
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - General Ability To Repay Provision Income and obtained - or the 2014/2015 income should have used to qualify, the 2016 1040s should have been
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Assets - S-Corp: One of the following missing documents is required for been documented and used for qualifying. obtained - or the 2014/2015 income should have been
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to this income source: 1) Most recent tax transcripts; 2) Most recent REVIEWER - GENERAL COMMENT (2023/XX/22): No new documented and used for qualifying.
Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to signed, dated 1040s; 3) Audited YTD P&L; 4) Most recent Business tax information/documentation provided. Exception
applicant three (3) business days prior to consummation. (Type:Secondary/06/XX/2017) transcripts; 5) Most recent signed, dated 1120S returns for 2016. remains. GENERAL COMMENT (2023/XX/18): agree.
[2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Federal Compliance - ARM Disclosure Status Test: Missing completed SELLER - GENERAL COMMENT (2023/XX/25): Duplicate
Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application document with borrower signature to support in compliance and/or waterfall exception GENERAL COMMENT (2023/XX/25): Duplicate and/or
Date 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX Federal Compliance - CHARM Booklet Disclosure Status: Missing completed REVIEWER - GENERAL COMMENT (2023/XX/27): waterfall exception
XXX/Schedule C) document with borrower signature to support in compliance Reviewed trailing documentation. Documents
[2] Federal Compliance - TRID Final Closing Disclosure Payment Interest Only Until: TILA-RESPA Integrated Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 necessary to clear the conditions were not GENERAL COMMENT (2023/XX/25): Duplicate and/or
Disclosure - Loan Terms: Final Closing Disclosure provided on 09/XX/2017 with an increasing payment Business Days Prior to Consummation: Creditor did not provide a copy of provided. Exception remains. waterfall exception
disclosed the due date of the last payment of interest only that does not match the actual last payment for each valuation to applicant three (3) business days prior to SELLER - GENERAL COMMENT (2023/XX/18): agree.
the loan. (Final/09/XX/2017) consummation. (Type:Secondary/06/XX/2017) 2015 & 2014 1040s were provided, but business GENERAL COMMENT (2023/XX/25): Duplicate and/or
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Federal Compliance - Self-Employed Tax Return Recency - ATR: The file is income was calculated using 2015 & 2016 K1s and waterfall exception
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of missing returns for 2016. business returns.
$XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7520) Federal Compliance - TRID Final Closing Disclosure Payment Interest Only REVIEWER - GENERAL COMMENT (2023/XX/22): No new GENERAL COMMENT (2023/XX/25): Duplicate and/or
Until: Interest Only period for seven years. information/documentation provided. Exception waterfall exception
Federal Compliance - TRID Zero Percent Tolerance Violation With remains.
Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded SELLER - GENERAL COMMENT (2023/XX/25): Duplicate GENERAL COMMENT (2023/XX/25): Duplicate and/or
for Credit Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. and/or waterfall exception waterfall exception
Sufficient or excess cure was provided to the borrower at Closing. REVIEWER - GENERAL COMMENT (2023/XX/27):
(7520) Reviewed trailing documentation. Documents
necessary to clear the conditions were not
provided. Exception remains.
SELLER - GENERAL COMMENT (2023/XX/18): agree.
2015 & 2014 1040s were provided, but business
income was calculated using 2015 & 2016 K1s and
business returns.
REVIEWER - GENERAL COMMENT (2023/XX/22): No new
information/documentation provided. Exception
remains.
SELLER - GENERAL COMMENT (2023/XX/25): Duplicate
and/or waterfall exception
REVIEWER - GENERAL COMMENT (2023/XX/27):
Reviewed trailing documentation. Documents
necessary to clear the conditions were not
provided. Exception remains.
SELLER - GENERAL COMMENT (2023/XX/18): agree.
2015 & 2014 1040s were provided, but business
income was calculated using 2015 & 2016 K1s and
business returns.
REVIEWER - GENERAL COMMENT (2023/XX/22): No new
information/documentation provided. Exception
remains.
SELLER - GENERAL COMMENT (2023/XX/25): Duplicate
and/or waterfall exception
REVIEWER - GENERAL COMMENT (2023/XX/27):
Reviewed trailing documentation. Documents
necessary to clear the conditions were not
provided. Exception remains.
REVIEWER - CURED COMMENT (2023/XX/26):
Sufficient Cure Provided At Closing
649208012 XXX XXX 1 XXX $XXX CA 3/XX/2016 2/XX/2016 Primary Refinance Non QM 2 B B B B [3] Insurance Analysis - Insufficient Coverage: Hazard insurance Hazard Insurance Coverage is insufficient, please 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - CHARM Booklet Disclosure Status: Evidence the -
Cash-out - coverage amount is insufficient. provide evidence of a Replacement Cost Estimate. on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Borrower received the CHARM Booklet with three days of application date
Other [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to is missing from the loan file.
Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
applicant three (3) business days prior to consummation. (Type:Secondary/02/XX/2016) Business Days Prior to Consummation: The loan file does not contain
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to evidence the Appraisal report was provided to the Borrower at lease
Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to three days prior to closing.
applicant three (3) business days prior to consummation. (Type:Primary/02/XX/2016) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Business Days Prior to Consummation: The loan file does not contain
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated evidence the Appraisal report was provided to the Borrower at lease
Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to three days prior to closing.
closing. (Final/03/XX/2016) Application / Processing - Missing Document: Missing Lender's Initial
1003: The Initial signed and dated 1003 is missing from the loan file.
Federal Compliance - TRID Initial Closing Disclosure Timing without
Waiver: The Initial Closing Disclosure signed and dated at least three
days prior to closing is missing from the loan file.
649208362 XXX XXX 2 XXX $XXX CA 11/XX/2016 7/XX/2016 Primary Refinance ATR Fail 3 C C C C [3] Asset Documentation - Guideline Issue:Insufficient asset File is missing 2 consecutive months' statements REVIEWER - 3 C C C C [3] Federal Compliance - Check Loan Designation Match - ATR: Ability to Repay (Dodd-Frank 2014): Originator Federal Compliance - Check Loan Designation Match - ATR: Waterfall SELLER - GENERAL COMMENT (2023/XX/18): Agree GENERAL COMMENT (2023/XX/18): unable to locate TILA ATR/QM
Cash-out - documentation.: Financial Institution: XXX // Account Type: Stocks / dated within 90 days of Note date for accounts GENERAL COMMENT Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. exception due to missing the required income and asset documentation. REVIEWER - GENERAL COMMENT (2023/XX/22): Lender
Other Account Number: XXX, Financial Institution: XXX // Account Type: ending in XXX, XXX, XXX, XXX, XXX, XXX, XXX, XXX. (2023/XX/XX): [3] Federal Compliance - General Ability To Repay Provision Employment - S-Corp Test: Ability-to-Repay Federal Compliance - General Ability To Repay Provision Employment - S- is unable to clear condition. Exception remains GENERAL COMMENT (2023/XX/18): unable to locate
Individual Retirement Account (IRA) / Account Number: XXX, Financial File is missing the following income documentation Trailing docs did (Dodd-Frank 2014): Unable to verify current S-Corp status due to most recent Tax Return end date is older Corp Test: File is missing third party verification of this business, open.
Institution: XXX // Account Type: Individual Retirement Account (IRA) for the co-borrower's 2 S-corp businesses: 2014 not contain any than 120 days before Closing Date, and one of these docs is required yet missing: Audited/Third Party P&L, along with the 2 years' most recent 1120s, K-1s and YTD P&L statement. REVIEWER - GENERAL COMMENT (2023/XX/15): GENERAL COMMENT (2023/XX/18): unable to locate
/ Account Number: XXX, Financial Institution: XXX // Account Type: and 2015 1120s, 2014 and 2015 K-1s and YTD P&L for docs to clear CPA Letter, or other Third Party Verification. (XXX/S-Corp) Federal Compliance - General Ability To Repay Provision Employment - W- Reviewed all trailing documentation. Documents
Individual Retirement Account (IRA) / Account Number: XXX, Financial both businesses. this exception. [3] Federal Compliance - General Ability To Repay Provision Employment - W-2: Ability to Repay (Dodd-Frank 2: VOE for this employer was missing from the file. necessary to clear condition were not provided. GENERAL COMMENT (2023/XX/18): unable to locate
Institution: XXX // Account Type: Stocks / Account Number: XXX, Insurance verification document is missing in file SELLER - GENERAL 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. Federal Compliance - General Ability To Repay Provision Employment - W- SELLER - GENERAL COMMENT (2023/XX/25): Duplicate
Financial Institution: XXX // Account Type: Stocks / Account Number: for all 3 additional REOs owned by borrowers. COMMENT (XXX XXX/Wages) 2: File is missing verification of employment for borrower's XXX and/or waterfall exception GENERAL COMMENT (2023/XX/18): W2/Paystub in file and
XXX Missing verification of employment for borrower's (2023/XX/XX): [3] Federal Compliance - General Ability To Repay Provision Employment - W-2: Ability to Repay (Dodd-Frank positions. REVIEWER - GENERAL COMMENT (2023/XX/27): was used to calculate income
[3] Income Documentation - Income Docs Missing:: Borrower: XXX 1120S XXX positions. unable to locate 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. Federal Compliance - General Ability To Repay Provision Employment - W- Reviewed trailing documentation. Documents
(2014), 1120S (2015), K-1 (2014), K-1 (2015), P&L Statement Missing VVOE dated within 10 days of Note date for updated assets (XXX XXX/Wages) 2: File is missing verification of employment for borrower's XXX necessary to clear the conditions were not GENERAL COMMENT (2023/XX/18): unable to locate
[3] Income Documentation - REO Documents are missing.: Address: XXX, borrower's wage earner income used in income statements to [3] Federal Compliance - General Ability To Repay Provision Employment - W-2: Ability to Repay (Dodd-Frank positions. provided. Exception remains.
CA, Address: XXX, CA, Address: XXX, CA Insurance Verification qualification. clear finding 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. Federal Compliance - General Ability To Repay Provision Income and REVIEWER - GENERAL COMMENT (2023/XX/27): GENERAL COMMENT (2023/XX/18): note dated 11/XX/2016,
Insurance Verification Missing VVOE dated within 10 days of Note date for REVIEWER - (XXX XXX/Wages) Assets - Asset Depletion Income: Unable to verity asset depletion income Trailing docs did not contain any docs to clear VOE for XXX dated 11/XX/2016
Insurance Verification borrower's wage earner income used in income GENERAL COMMENT [3] Federal Compliance - General Ability To Repay Provision Income and Assets - Asset Depletion Income: due to, bank statements provided are all dated more than 90 days prior this exception.
[3] Income Documentation - The verification of employment is required qualification. (2023/XX/XX): Ability to Repay (Dodd-Frank 2014): Unable to verity asset depletion income due to, bank statement to to the Note date. Please provide two consecutive months' statements SELLER - GENERAL COMMENT (2023/XX/18): unable to GENERAL COMMENT (2023/XX/18): N/A; Duplicative
and was not found in file.: Borrower: XXX // Employment Type: Missing VVOE dated within 10 days of Note date for Lender is unable provided was dated more than 90 days prior to closing. (XXX/Asset Depletion) for all accounts used, dated within 90 days of Note date. locate Exception
Employment / Income Type: Wages / Start Date: 01/XX/2008 borrower's wage earner income used in income to clear [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program Federal Compliance - ARM Disclosure Status Test: ARM loan program REVIEWER - GENERAL COMMENT (2023/XX/22): Lender
[3] Income Documentation - The verification of employment is required qualification. condition. disclosure not provided to the borrower. disclosure provided is not signed or dated to determine it was delivered is unable to clear condition. Exception remains GENERAL COMMENT (2023/XX/18): N/A; Duplicative
and was not found in file.: Borrower: XXX // Employment Type: Exception remains [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook within 3 business days of application. open. Exception
Employment / Income Type: Wages / Start Date: 01/XX/2008 open. on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Federal Compliance - Self-Employed Tax Return Recency - ATR: Missing 2 REVIEWER - GENERAL COMMENT (2023/XX/15):
[3] Income Documentation - Verification(s) of employment is not REVIEWER - [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self years' most recent tax returns for co-borrower's S-corp. Reviewed all trailing documentation. Documents GENERAL COMMENT (2023/XX/18): unable to locate
within 10 calendar days of the Note.: Borrower: XXX // Employment GENERAL COMMENT Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Federal Compliance - Self-Employed Tax Return Recency - ATR: Missing 2 necessary to clear condition were not provided.
Type: Employment / Income Type: Wages / Start Date: 11/XX/2011 (2023/XX/XX): Date 07/XX/2016, Most Recent Tax Return End Date 12/XX/2014, Tax Return Due Date 03/XX/2016. (XXX XXX/S- years' most recent tax returns for co-borrower's S-corp. SELLER - GENERAL COMMENT (2023/XX/25): Agree GENERAL COMMENT (2023/XX/18): unable to locate
[3] Income Documentation - Verification(s) of employment is not Reviewed all Corp) Federal Compliance - TRID Zero Percent Tolerance Violation Without with error
within 10 calendar days of the Note.: Borrower: XXX // Employment trailing [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit REVIEWER - GENERAL COMMENT (2023/XX/25): No GENERAL COMMENT (2023/XX/18): Agree
Type: Employment / Income Type: Wages / Start Date: 01/XX/2008 documentation. Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient supporting trailing documentation was provided
[3] Income Documentation - Verification(s) of employment is not Documents Date 07/XX/2016, Most Recent Tax Return End Date 12/XX/2014, Tax Return Due Date 03/XX/2016. (XXX/S-Corp) or no cure was provided to the borrower. to clear this exception. Exception remains. GENERAL COMMENT (2023/XX/18): unable to locate
within 10 calendar days of the Note.: Borrower: XXX // Employment necessary to [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA REVIEWER - GENERAL COMMENT (2023/XX/27): insurance verification for the properites in question
Type: Employment / Income Type: Wages / Start Date: 01/XX/2008 clear condition Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX Trailing docs did not contain any docs to clear
were not exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) this exception. GENERAL COMMENT (2023/XX/18): unable to locate updated
provided. SELLER - GENERAL COMMENT (2023/XX/18): assets statements to clear finding
SELLER - GENERAL W2/Paystub in file and was used to calculate
COMMENT income GENERAL COMMENT (2023/XX/25): Agree with error
(2023/XX/XX): REVIEWER - GENERAL COMMENT (2023/XX/22): VVOE
Agree with error performed within ten days of the Note was not GENERAL COMMENT (2023/XX/25): Duplicate and/or
REVIEWER - provided. Exception remains open. waterfall exception
GENERAL COMMENT REVIEWER - GENERAL COMMENT (2023/XX/15):
(2023/XX/XX): No Reviewed all trailing documentation. Documents GENERAL COMMENT (2023/XX/25): Duplicate and/or
supporting necessary to clear condition were not provided. waterfall exception
trailing SELLER - GENERAL COMMENT (2023/XX/25): Duplicate
documentation was and/or waterfall exception GENERAL COMMENT (2023/XX/25): Agree with error
provided to clear REVIEWER - GENERAL COMMENT (2023/XX/27):
this exception. Reviewed trailing documentation. Documents GENERAL COMMENT (2023/XX/25): Duplicate and/or
Exception necessary to clear the conditions were not waterfall exception
remains. provided. Exception remains.
REVIEWER - REVIEWER - GENERAL COMMENT (2023/XX/27): GENERAL COMMENT (2023/XX/25): Agree with error
GENERAL COMMENT Trailing docs did not contain any docs to clear
(2023/XX/XX): this exception. GENERAL COMMENT (2023/XX/25): Provided VOE for XXX
Trailing docs did SELLER - GENERAL COMMENT (2023/XX/18): N/A; dated 11/XX/2016.
not contain any Duplicative Exception
docs to clear REVIEWER - GENERAL COMMENT (2023/XX/22): Lender GENERAL COMMENT (2023/XX/25): Duplicate and/or
this exception. is unable to clear condition. Exception remains waterfall exception
SELLER - GENERAL open.
COMMENT REVIEWER - GENERAL COMMENT (2023/XX/15): GENERAL COMMENT (2023/XX/25): Duplicate and/or
(2023/XX/XX): Reviewed all trailing documentation. Documents waterfall exception
unable to locate necessary to clear condition were not provided.
REVIEWER - SELLER - GENERAL COMMENT (2023/XX/25): Duplicate GENERAL COMMENT (2023/XX/25): Duplicate and/or
GENERAL COMMENT and/or waterfall exception waterfall exception
(2023/XX/XX): REVIEWER - GENERAL COMMENT (2023/XX/27):
Lender is unable Reviewed trailing documentation. Documents GENERAL COMMENT (2023/XX/25): Agree with error
to clear necessary to clear the conditions were not
condition. provided. Exception remains. GENERAL COMMENT (2023/XX/25): Duplicate and/or
Exception remains REVIEWER - GENERAL COMMENT (2023/XX/27): waterfall exception
open. Trailing docs did not contain any docs to clear
REVIEWER - this exception. GENERAL COMMENT (2023/XX/25): Agree with error
GENERAL COMMENT SELLER - GENERAL COMMENT (2023/XX/18): unable to
(2023/XX/XX): locate GENERAL COMMENT (2023/XX/25): Agree with error
Reviewed all REVIEWER - GENERAL COMMENT (2023/XX/22): Lender
trailing is unable to clear condition. Exception remains
documentation. open.
Documents REVIEWER - GENERAL COMMENT (2023/XX/15):
necessary to Reviewed all trailing documentation. Documents
clear condition necessary to clear condition were not provided.
were not SELLER - GENERAL COMMENT (2023/XX/25): Duplicate
provided. and/or waterfall exception
SELLER - GENERAL REVIEWER - GENERAL COMMENT (2023/XX/27):
COMMENT Reviewed trailing documentation. Documents
(2023/XX/XX): necessary to clear the conditions were not
Agree with error provided. Exception remains.
REVIEWER - BUYER - GENERAL COMMENT (2023/XX/12): ATR
GENERAL COMMENT related docs
(2023/XX/XX): No REVIEWER - GENERAL COMMENT (2023/XX/13):
supporting Reviewed all trailing documents. The documents
trailing to clear the ATR exceptions were not among them.
documentation was The ARM change notice was among the docs.
provided to clear REVIEWER - GENERAL COMMENT (2023/XX/27):
this exception. Trailing docs did not contain any docs to clear
Exception this exception.
remains. SELLER - GENERAL COMMENT (2023/XX/18): N/A;
REVIEWER - Duplicative Exception
GENERAL COMMENT REVIEWER - GENERAL COMMENT (2023/XX/22): Lender
(2023/XX/XX): is unable to clear condition. Exception remains
Trailing docs did open.
not contain any REVIEWER - GENERAL COMMENT (2023/XX/15):
docs to clear Reviewed all trailing documentation. Documents
this exception. necessary to clear condition were not provided.
SELLER - GENERAL SELLER - GENERAL COMMENT (2023/XX/25): Duplicate
COMMENT and/or waterfall exception
(2023/XX/XX): REVIEWER - GENERAL COMMENT (2023/XX/27):
unable to locate Reviewed trailing documentation. Documents
insurance necessary to clear the conditions were not
verification for provided. Exception remains.
the properites in REVIEWER - GENERAL COMMENT (2023/XX/27):
question Trailing docs did not contain any docs to clear
REVIEWER - this exception.
GENERAL COMMENT REVIEWER - GENERAL COMMENT (2023/XX/15):
(2023/XX/XX): Reviewed all trailing documentation. Documents
Lender is unable necessary to clear condition were not provided.
to clear REVIEWER - GENERAL COMMENT (2023/XX/27):
condition. Trailing docs did not contain any docs to clear
Exception remains this exception.
open. REVIEWER - GENERAL COMMENT (2023/XX/15):
REVIEWER - Reviewed all trailing documentation. Documents
GENERAL COMMENT necessary to clear condition were not provided.
(2023/XX/XX):
Reviewed all
trailing
documentation.
Documents
necessary to
clear condition
were not
provided.
SELLER - GENERAL
COMMENT
(2023/XX/XX):
Agree with error
REVIEWER -
GENERAL COMMENT
(2023/XX/XX): No
supporting
trailing
documentation was
provided to clear
this exception.
Exception
remains.
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Trailing docs did
not contain any
docs to clear
this exception.
SELLER - GENERAL
COMMENT
(2023/XX/XX):
unable to locate
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Lender is unable
to clear
condition.
Exception remains
open.
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Reviewed all
trailing
documentation.
Documents
necessary to
clear condition
were not
provided.
SELLER - GENERAL
COMMENT
(2023/XX/XX):
Agree with error
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Reviewed trailing
documentation.
Documents
necessary to
clear the
conditions were
not provided.
Exception
remains.
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Trailing docs did
not contain any
docs to clear
this exception.
SELLER - GENERAL
COMMENT
(2023/XX/XX):
note dated
11/XX/2016, VOE
for XXX dated
11/XX/2016
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Additional
information for
this employer was
not provided.
Exception remains
open.
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Reviewed all
trailing
documentation.
Documents
necessary to
clear condition
were not
provided.
SELLER - GENERAL
COMMENT
(2023/XX/XX):
Provided VOE for
XXX dated
11/XX/2016.
REVIEWER -
GENERAL COMMENT
(2023/XX/XX): No
supporting
trailing
documentation was
provided to clear
this exception.
Exception
remains.
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Trailing docs did
not contain any
docs to clear
this exception.
SELLER - GENERAL
COMMENT
(2023/XX/18):
unable to locate
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Lender is unable
to clear
condition.
Exception remains
open.
REVIEWER -
GENERAL COMMENT
(2023/XX/X):
Reviewed all
trailing
documentation.
Documents
necessary to
clear condition
were not
provided.
SELLER - GENERAL
COMMENT
(2023/XX/XX):
Duplicate and/or
waterfall
exception
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Reviewed trailing
documentation.
Documents
necessary to
clear the
conditions were
not provided.
Exception
remains.
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Trailing docs did
not contain any
docs to clear
this exception.
SELLER - GENERAL
COMMENT
(2023/XX/XX):
unable to locate
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Lender is unable
to clear
condition.
Exception remains
open.
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Reviewed all
trailing
documentation.
Documents
necessary to
clear condition
were not
provided.
SELLER - GENERAL
COMMENT
(2023/XX/XX):
Duplicate and/or
waterfall
exception
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Reviewed trailing
documentation.
Documents
necessary to
clear the
conditions were
not provided.
Exception
remains.
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Trailing docs did
not contain any
docs to clear
this exception.
SELLER - GENERAL
COMMENT
(2023/XX/XX):
unable to locate
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Lender is unable
to clear
condition.
Exception remains
open.
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Reviewed all
trailing
documentation.
Documents
necessary to
clear condition
were not
provided.
SELLER - GENERAL
COMMENT
(2023/XX/XX):
Agree with error
REVIEWER -
GENERAL COMMENT
(2023/XX/XX): No
supporting
trailing
documentation was
provided to clear
this exception.
Exception
remains.
649208663 XXX XXX 1 XXX $XXX CA 4/XX/2018 3/XX/2018 Primary Refinance Non QM 2 B B B B 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet, not -
Cash-out - on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. provided to the borrower.
Other [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Creditor did not provide a copy of
applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2018) each valuation to applicant three business days prior to consummation.
[2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Federal Compliance - General Ability To Repay Provision Investor
Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR Qualification Method not Matching ATR: Updated Qualification Method of
payment calculation methods under 1026.43(c)(5). Greater of the fully indexed rate at the fully amortized payment or the
[2] Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA-RESPA Integrated note rate at fully amortized payment.
Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 04/XX/2018 disclosed a Maximum Federal Compliance - TRID Final Closing Disclosure AP Table Maximum
Payment amount and period that does not match the actual terms for the loan. (Final/04/XX/2018) Payment: Final Closing Disclosure provided on 04/XX/2018 disclosed a
[2] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: TILA-RESPA Integrated Maximum Payment amount and period that does not match the actual terms
Disclosure - Loan Terms: Final Closing Disclosure provided on 04/XX/2018 with an increasing payment for the
disclosed the earliest date of the maximum possible amount of principal and interest that does not match Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In
the actual earliest date for the loan. (Final/04/XX/2018) Year: Final Closing Disclosure provided on 04/XX/2018 with an increasing
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA payment disclosed the earliest date of the maximum possible amount of
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount principal and interest that does not match the actual earliest date for
of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75197) the loan.
Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: No Cure found in file.
649207248 XXX XXX 1 XXX $XXX CA 11/XX/2017 9/XX/2017 Primary Refinance Non QM 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: E-Sign Consent Agreement is not provided. 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 -
Cash-out - Disclosure: E-Sign Consent Agreement disclosure not provided to the borrower. Business Days Prior to Consummation: Documentations acknowledging
Other [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook receipt of appraisal within 3 business days from closing not provided.
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Organizations Not Provided Within 3 Business Days of Application:
Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Acknowledgment date was 9/XX/2017 which is more than 3 days from Initial
applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2017) application date.
[2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR:
Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR
payment calculation methods under 1026.43(c)(5).
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided
Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership
Counseling Organizations not provided to applicant within three (3) business days of application.
649207128 XXX XXX 1 XXX $XXX CA 6/XX/2018 5/XX/2018 Primary Refinance Non QM 2 B B B B [3] Insurance Analysis - Insufficient Coverage: Hazard insurance Hazard Policy in file reflects Dwelling Coverage of 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program Federal Compliance - ARM Disclosure Timing Test: ARM loan program -
Cash-out - coverage amount is insufficient. $XXX plus 100% Replacement Cost Coverage $XXX (used disclosure not provided to the borrower within three (3) days of application. disclosure was not provided to the borrower within three (3) days of
Other 80% of the appraised value) leaving a Shortfall of [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook application, need proof when disclosure was mailed to borrower.
$XXX. on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of Federal Compliance - CHARM Booklet Disclosure Timing: CHARM Booklet is
application. not provided to the borrower within three (3) days of application, need
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to proof when disclosure was mailed to borrower.
Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
applicant three (3) business days prior to consummation. (Type:Primary/06/XX/2018) Business Days Prior to Consummation: Missing evidence the borrower was
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated provided a copy of the appraisal within three (3) business days prior to
Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to consummation.
closing. (Initial/06/XX/2018) Federal Compliance - TRID Initial Closing Disclosure Timing without
Waiver: Closing Disclosure in file dated 06/XX/2018 is not signed, dated
by borrowers and file is missing evidence when the borrowers received a
copy of the closing disclosure. Therefore a received date is being
calculated to 06/XX/2018.
649207710 XXX XXX 2 XXX $XXX CA 8/XX/2019 7/XX/2019 Primary Refinance ATR Risk 3 C C C C [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Calculated DTI of 52.48% exceeds guideline limit of SELLER - GENERAL 3 C C C C [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Federal Compliance - Check Loan Designation Match - ATR Risk: Originator SELLER - GENERAL COMMENT (2023/XX/18): Although GENERAL COMMENT (2023/XX/18): Already addressed above. Borrower has TILA ATR/QM
Rate/Term Investor qualifying total debt ratio discrepancy.: Calculated DTI 45%. COMMENT Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. Loan Designation of Non QM does not match Due Diligence Loan Designation HOA dues were errorneously excluded from debt Justifications for DTI exception- Per final 1008; Low owned the
investor qualifying total debt ratio of XXX% exceeds Guideline total (2023/XX/XX): [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd- due to DTI Discrepancy. service which causes excessived DTI, ATR is LTV XXX% and Liquidity, post close reserves equal to subject
debt ratio of 45.00000%. N/A; Duplicative Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Federal Compliance - General Ability To Repay Provision Investor still met as borrowers residual income is $XXX 150 months PITI property for at
Exception [3] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines: Loan has ATR failure due to DTI discrepancy. per mos least 5 years.
REVIEWER - Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Federal Compliance - General ATR Provision Investor and Non QM DTIs REVIEWER - GENERAL COMMENT (2023/XX/22): The GENERAL COMMENT (2023/XX/18): N/A; Duplicative
GENERAL COMMENT Guidelines and 1026.43(c)(5) of 52.60415% significantly exceeds the guideline maximum of 45.00%. (DTI match and both significantly exceed Guidelines: Calculated DTI of 52.48% guidelines require the subject payment to use Exception Borrower has
(2023/XX/XX): The Exception requires compelling compensating factors to consider regrading to EV2-B.) exceeds guideline limit of DTI 45%. the greater of the Note rate or the fully- verified
guidelines [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Federal Compliance - TRID Initial Closing Disclosure Timing without indexed rate amortized over the remaining 23 GENERAL COMMENT (2023/XX/18): Already addressed above. disposable
require the Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to Waiver: Closing Disclosure not provided to Borrower(s) at least three years, resulting in a qualifying DTI ratio of Justifications for DTI exception- Per final 1008; Low income of at
subject payment closing. (Initial/08/XX/2019) (3) business days prior to closing. 52%. The DTI exceeds the maximum allowed by LTV XXX% and Liquidity, post close reserves equal to least $XXX.
to use the [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without more than 5% and is not eligible to be waived 150 months PITI
greater of the Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit regraded. Borrower's
Note rate or the exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. SELLER - GENERAL COMMENT (2023/XX/25): Agree GENERAL COMMENT (2023/XX/18): Although HOA dues were monthly
fully-indexed [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without with error, but don't agree with ATR impact errorneously excluded from debt service which causes mortgage
rate amortized Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for based on overall file risk & quality. excessived DTI, ATR is still met as borrowers residual payment has
over the tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. REVIEWER - GENERAL COMMENT (2023/XX/26): No income is $XXX per mos decreased by at
remaining 23 supporting trailing documentation was provided least 20%.
years, resulting to clear this exception. Exception remains. GENERAL COMMENT (2023/XX/25): Agree with error, but
in a qualifying SELLER - GENERAL COMMENT (2023/XX/18): Already don't agree with ATR impact based on overall file risk Borrower's
DTI ratio of 52%. addressed above. Justifications for DTI & quality. monthly
The DTI exceeds exception- Per final 1008; Low LTV XXX% and reserves have
the maximum Liquidity, post close reserves equal to 150 GENERAL COMMENT (2023/XX/25): Agree with error, but been verified
allowed by more months PITI don't agree with ATR impact based on overall file risk and exceed the
than 5% and is REVIEWER - GENERAL COMMENT (2023/XX/22): The & quality. amount required
not eligible to guidelines require the subject payment to use based on the
be waived the greater of the Note rate or the fully- GENERAL COMMENT (2023/XX/25): Agree with error, but guidelines by
regraded. indexed rate amortized over the remaining 23 don't agree with ATR impact based on overall file risk at least 4
SELLER - GENERAL years, resulting in a qualifying DTI ratio of & quality. months.
COMMENT 52%. The DTI exceeds the maximum allowed by
(2023/XX/XX): more than 5% and is not eligible to be waived GENERAL COMMENT (2023/XX/25): Agree with error, but The Loan to
Agree with error, regraded. don't agree with ATR impact based on overall file risk Value (LTV) on
but don't agree SELLER - GENERAL COMMENT (2023/XX/25): Agree & quality. the loan is
with ATR impact with error, but don't agree with ATR impact less than the
based on overall based on overall file risk & quality. guideline
file risk & REVIEWER - GENERAL COMMENT (2023/XX/26): No maximum by at
quality. supporting trailing documentation was provided least 10%.
REVIEWER - to clear this exception. Exception remains.
GENERAL COMMENT SELLER - GENERAL COMMENT (2023/XX/18): Already The refinance
(2023/XX/XX): No addressed above. Justifications for DTI has decreased
supporting exception- Per final 1008; Low LTV XXX% and the borrower's
trailing Liquidity, post close reserves equal to 150 monthly debt
documentation was months PITI payments by 20%
provided to clear REVIEWER - GENERAL COMMENT (2023/XX/22): The or more.
this exception. guidelines require the subject payment to use
Exception the greater of the Note rate or the fully- The
remains. indexed rate amortized over the remaining 23 representative
years, resulting in a qualifying DTI ratio of FICO score
52%. The DTI exceeds the maximum allowed by exceeds the
more than 5% and is not eligible to be waived guideline
regraded. minimum by at
SELLER - GENERAL COMMENT (2023/XX/25): Agree least 40
with error, but don't agree with ATR impact points.
based on overall file risk & quality.
REVIEWER - GENERAL COMMENT (2023/XX/26): No
supporting trailing documentation was provided
to clear this exception. Exception remains.
649208811 XXX XXX 2 XXX $XXX CA 3/XX/2018 1/XX/2018 Primary Refinance Non QM 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: Initial 03/XX/2018 CD was electronically provided REVIEWER - 2 B B B B [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without GENERAL COMMENT (2023/XX/18): Disagree. 4506-T in file -
Cash-out - Disclosure: E-Sign Consent Agreement to the borrower per the Conversation Log but proof GENERAL COMMENT Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $XXX Sufficient Cure Provided: Fee increased with the 03//XX/2018 CD without covering 2017 & 2016. Okay to use 4506-T for these
Other [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: of receipt was not found (2023/XX/XX): exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7507) a valid CIC or cure at close years based on file date in 2018, 4506-C was not
Combined loan to value discrepancy.: Calculated combined loan to Subject mortgage $XXX plus 2nd mortgage $XXX = EXCEPTION HISTORY required for 3rd party IRS transcript requests until
value percentage of XXX% exceeds Guideline combined loan to value $XXX. Appraisal missing, LTV calculated with $XXX - Exception May 1 2021.
percentage of 80.00000%. value = XXX%. Explanation was
[3] Income Documentation - Income Docs Missing:: Borrower: XXX 4506-T The file is missing a copy of the 4506-C (2016), updated on
(2017) 4506-T (2017). 06/XX/2023 PRIOR
Exception
Explanation:
4506-C (2016),
4506-C (2017),
4506-T (2016),
4506-T (2017)
SELLER - GENERAL
COMMENT
(2023/XX/XX):
Disagree. 4506-T
in file covering
2017 & 2016. Okay
to use 4506-T for
these years based
on file date in
2018, 4506-C was
not required for
3rd party IRS
transcript
requests until
May 1 2021.
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
EXCEPTION HISTORY
- Exception
Explanation was
updated on
08/XX/2023 PRIOR
Exception
Explanation:
4506-C (2016),
4506-C (2017),
4506-T (2017)
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
None of the 4506-
T document cover
the year 2017.
649209242 XXX XXX 2 XXX $XXX CA 11/XX/2018 10/XX/2018 Primary Refinance Non QM 3 D D D D [3] Insurance Analysis - Insufficient Coverage: Hazard insurance HOI coverage is insufficient by $XXX. Provide [3] Appraisal 3 D D D D [3] Closing / Title - Missing Document: Note - Subject Lien not provided Federal Compliance - ARM Disclosure Timing Test: ARM Disclosure in the Yes TR Note
Cash-out - coverage amount is insufficient. updated policy reflecting minimum coverage of $XXX Documentation [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided file does not contain a date provided. Deficiency
Other OR Provide copy of insurer's replacement cost - Missing within three (3) days of application due to missing information. Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: Evidence
estimate supporting current coverage amount. Document: [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook of borrower's earlier receipt of the disclosure was not provided.
Appraisal was on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Application / Processing - Missing Document: Missing Lender's Initial
made "subject [2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the 1003: File is missing a fully executed initial application
to" and Form consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the Federal Compliance - RESPA Disclosure - List of Homeownership Counseling
1004D/442 was loan application date. Organizations Not Provided Within 3 Business Days of Application: The
not provided.: [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Fraud Report reflects an application date of 10/XX/2018, disclosure not
Valuation [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided provided within 3 business days of application.
Type: Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Federal Compliance - TRID Final Closing Disclosure AIR Table Minimum
Appraisal / Counseling Organizations not provided to applicant within three (3) business days of application. Interest Rate: Page 4 shows minimum rate of XXX%, loan rate is XXX%.
Valuation [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account Federal Compliance - TRID Final Closing Disclosure Projected P&I Min
Report Date: statement was not provided to the borrower. Payment Adjustable Rate Subsequent Payments: Page 1 shows minimum
10/XX/2018 [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Minimum Interest Rate: TILA-RESPA payment of $XXX and calculated payment is $XXX.
Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 11/XX/2018 Federal Compliance - TRID Final Closing Disclosure Projected P&I Min
disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. Payment Adjustable Rate Subsequent Payments: Page 1 shows minimum
(Final/11/XX/2018) payment of $XXX and calculated payment is $XXX.
[2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Federal Compliance - TRID Loan Estimate Timing: The Fraud Report
Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on reflects an application date of 10/XX/2018, disclosure not provided
11/XX/2018 disclosed a periodic principal and interest payment for payment stream 4 that does not match the within 3 business days of application.
actual payment for the loan. (ProjSeq:4/2211342)
[2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent
Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on
11/XX/2018 disclosed a periodic principal and interest payment for payment stream 3 that does not match the
actual payment for the loan. (ProjSeq:3/2211341)
[2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not
delivered or placed in the mail to Borrower(s) within three (3) business days of application.
(Initial/10/XX/2018)
649207099 XXX XXX 2 XXX $XXX CA 9/XX/2014 8/XX/2014 Investment Refinance N/A 2 B B B B [3] Missing Document - File does not contain documentation from Condo Warranty is missing in file 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 REVIEWER - GENERAL COMMENT (2023/XX/29): Missing -
Rate/Term lender/seller confirming the condo is warrantable.: Valuation Type: Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Creditor did not provide a copy of Initial signed/dated 1003.
Appraisal / Valuation Report Date: 09/XX/2014 applicant three (3) business days prior to consummation. (Type:Primary/XX/20/2014) each valuation to applicant three (3) business days prior to REVIEWER - GENERAL COMMENT (2023/XX/30): Missing
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003 consummation. Signed/dated Initial 1003.
Application / Processing - Missing Document: Missing Lender's Initial
1003: File is missing a signed and dated Initial 1003 loan application.
649208860 XXX XXX 2 XXX $XXX CA 11/XX/2018 9/XX/2018 Investment Refinance N/A 2 B B B B [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline File is missing credit report, appraisal and income 2 B B B B [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Application / Processing - Missing Document: Missing Lender's Initial REVIEWER - GENERAL COMMENT (2023/XX/29): Missing -
Rate/Term Findings: All conditions were not met documentation. [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided 1003: Lenders Initial 1003 missing. Initial signed/dated 1003.
[3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Calculated investor qualifying total debt ratio of Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal REVIEWER - GENERAL COMMENT (2023/XX/30): Missing
Investor qualifying total debt ratio discrepancy.: Calculated XXX% exceeds Guideline total debt ratio of XXX%. appraisal disclosure to applicant within three (3) business days of application or determination of first Disclosure Not Provided Timely: Creditor did not provide a copy of each Signed/dated Initial 1003.
investor qualifying total debt ratio of XXX% exceeds Guideline total Capital losses must be deducted from qualifying lien status. valuation to applicant three (3) business days prior to consummation.
debt ratio of 45.00000%. income.
[3] Income Documentation - Income Docs Missing:: Borrower: XXX Award Failure due to missing income documentation.
Letter / Continuance Letter, Balance Sheet, P&L Statement, Third Final 1003 missing.
Party Verification
[3] Income Documentation - Income documentation requirements not met.
[3] Appraisal Documentation - Missing Document: Appraisal not
provided
[3] Credit Documentation - Missing Document: Credit Report not
provided
[3] Application / Processing - Missing Document: Flood Certificate
not provided
[3] Application / Processing - Missing Document: Missing Final 1003
[3] Credit Documentation - Missing Document: Occupancy Certificate
not provided
649208714 XXX XXX 2 XXX $XXX CA 10/XX/2016 8/XX/2016 Primary Refinance ATR Risk 3 C C C C [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: The DTI exceeds the maximum allowable of 44%. SELLER - GENERAL 3 C C C C [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Federal Compliance - Check Loan Designation Match - ATR Risk: The DTI SELLER - GENERAL COMMENT (2023/XX/18): N/A; GENERAL COMMENT (2023/XX/18): N/A; Duplicative TILA ATR/QM
Cash-out - Investor qualifying total debt ratio discrepancy.: Calculated COMMENT Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. exceeds the maximum allowable of 44% which resulted in a calculated Due Duplicative Exception Exception
Other investor qualifying total debt ratio of XXX% exceeds Guideline total (2023/XX/XX): [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd- Diligence Loan Designation of ATR Risk. REVIEWER - GENERAL COMMENT (2023/XX/21): Based
debt ratio of 44.00000%. N/A; Duplicative Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Federal Compliance - General Ability To Repay Provision Investor on lender guides, the qualifying method is 10/1 GENERAL COMMENT (2023/XX/18): N/A; Duplicative
[3] Mortgage / Program Eligibility - Missing Document: Note - Exception [3] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines: The DTI exceeds the maximum allowable of 44%. IO ARM - The qualifying rate is the greater of Exception
Subordinate Lien not provided REVIEWER - Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Federal Compliance - General ATR Provision Investor and Non QM DTIs the note rate plus 2% or the fully-indexed rate.
GENERAL COMMENT Guidelines and 1026.43(c)(5) of 49.87821% significantly exceeds the guideline maximum of 44.00%. (DTI match and both significantly exceed Guidelines: The DTI exceeds the The qualifying payment is the payment based on GENERAL COMMENT (2023/XX/18): 1008 dated 10/XX/16
(2023/XX/XX): Exception requires compelling compensating factors to consider regrading to EV2-B.) maximum allowable of 44%. the qualifying rate amortized over 30 years (the indicates a counter was accepted lowering 2nd TD and
Based on lender [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program Federal Compliance - ARM Disclosure Status Test: ARM disclosure is not number of years remaining after the interest- final DTI under 44%. 1008 DTI 43.141% using income of
guides, the disclosure not provided to the borrower. contains the document date. only period ends). This calculation is causing $XXX PITIA of $XXX and other debts of $XXX
qualifying method [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet, not the DTI discrepancy. In addition, the 2nd
is 10/1 IO ARM - on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. provided to the borrower. mortgage documentation is missing. The 1008 GENERAL COMMENT (2023/XX/18): N/A; Duplicative
The qualifying [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage reflects the 2nd mortgage was closed at $XXX. Exception
rate is the Established): Federal Higher-Priced Mortgage Loan (2013): Mandatory escrow account not established on 1st Loan (1st Lien, Escrow Not Established): Mandatory escrow account not REVIEWER - GENERAL COMMENT (2023/XX/15): No
greater of the lien mortgage loan. established on 1st lien mortgage loan. documentation was provided in trailing docs to GENERAL COMMENT (2023/XX/18): Compliance Eagle uploaded
note rate plus 2% [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on Federal Compliance - Federal HPML 2014 Non Compliant: APR on subject clear this condition. 4/XX/23 at 8:14am under Misc reflects a passing High
or the fully- subject loan of XXX % or Final Disclosure APR of XXX % is equal to or greater than the threshold of APOR loan of XXX % or Final Disclosure APR of XXX % is equal to or greater SELLER - GENERAL COMMENT (2023/XX/25): Duplicate Cost test (dated 10-18 at 9:44 am). All closing docs
indexed rate. The XXX % + XXX %, or XXX %. Non-Compliant Higher Priced Mortgage Loan. than the threshold of APOR XXX % + XXX %, or XXX %. Non-Compliant Higher and/or waterfall exception reference final APR XXX%
qualifying [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Priced Mortgage Loan with a change of circumstance in file. REVIEWER - GENERAL COMMENT (2023/XX/27):
payment is the [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed: TILA-RESPA Integrated Disclosure - Application / Processing - Missing Document: Missing Lender's Initial Reviewed trailing documentation. Documents GENERAL COMMENT (2023/XX/18): Fed HPML Provision was
payment based on Loan Calculations: Final Closing Disclosure provided on 10/XX/2016 disclosed an Amount Financed that was 1003: Lender's Initial 1003 is not provided in the file. necessary to clear the conditions were not effective Feb 2021, loan closed prior
the qualifying not within tolerance of the actual amount financed for the loan. (Final/10/XX/2016) Federal Compliance - TRID Final Closing Disclosure Amount Financed: Loan provided. Exception remains.
rate amortized [2] Federal Compliance - TRID Final Closing Disclosure APR Irregular Transaction: TILA-RESPA Integrated Calculations: Final Closing Disclosure provided on 10/XX/2016 disclosed SELLER - GENERAL COMMENT (2023/XX/18): N/A; GENERAL COMMENT (2023/XX/25): Duplicate and/or
over 30 years Disclosure - Loan Calculations: APR of XXX % on Final Closing Disclosure provided on 10/XX/2016 is under- an Amount Financed that was not within tolerance of the actual amount Duplicative Exception waterfall exception
(the number of disclosed from the calculated APR of XXX % outside of XXX % tolerance. (Final/10/XX/2016) financed for the loan. REVIEWER - GENERAL COMMENT (2023/XX/21): Based
years remaining [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Federal Compliance - TRID Final Closing Disclosure APR Irregular on lender guides, the qualifying method is 10/1 GENERAL COMMENT (2023/XX/25): Duplicate and/or
after the Loan Calculations: Final Closing Disclosure provided on 10/XX/2016 disclosed an inaccurate Finance Charge Transaction: Loan Calculations: APR of XXX% on Final Closing Disclosure IO ARM - The qualifying rate is the greater of waterfall exception
interest-only on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance provided on 10/XX/2016 is under-disclosed from the calculated APR of XXX the note rate plus 2% or the fully-indexed rate.
period ends). Charge calculation are based on Closing Disclosure dated 10/XX/2016). (Final/10/XX/2016) % outside of XXX % tolerance. The qualifying payment is the payment based on GENERAL COMMENT (2023/XX/25): Duplicate and/or
This calculation [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure Federal Compliance - TRID Final Closing Disclosure Finance Charge: Loan the qualifying rate amortized over 30 years (the waterfall exception
is causing the - Loan Calculations: Final Closing Disclosure provided on 10/XX/2016 disclosed an inaccurate Total of Calculations: Final Closing Disclosure provided on 10/XX/2016 disclosed number of years remaining after the interest-
DTI discrepancy. Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in an inaccurate Finance Charge on page 5 that does not match the actual only period ends). This calculation is causing GENERAL COMMENT (2023/XX/25): Duplicate and/or
REVIEWER - TOP calculation are based on Closing Disclosure dated 10/XX/2016). The disclosed Total of Payments in the Finance Charge for the loan (fee amounts included in Finance Charge the DTI discrepancy. waterfall exception
GENERAL COMMENT amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which calculation are based on Closing Disclosure dated 10/XX/2016). REVIEWER - GENERAL COMMENT (2023/XX/15): No
(2023/XX/XX): No exceeds the $XXX per month threshold. (Final/10/XX/2016) Federal Compliance - TRID Final Closing Disclosure Total Of Payments: documentation was provided in trailing docs to GENERAL COMMENT (2023/XX/25): Provided Compliance Eagle
documentation was [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: Loan Calculations: Final Closing Disclosure provided on 10/XX/2016 clear this condition. report to support passing High Cost test. Closing docs
provided in TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds disclosed an inaccurate Total of Payments on page 5 that does not match SELLER - GENERAL COMMENT (2023/XX/25): Duplicate support final APR XXX%
trailing docs to tolerance of $XXX plus 10% or $XXX. Sufficient or excess cure was provided to the borrower. (0) the actual total of payments for the loan (fee amounts included in TOP and/or waterfall exception
clear this calculation are based on Closing Disclosure dated 10/XX/2016). The REVIEWER - GENERAL COMMENT (2023/XX/27): GENERAL COMMENT (2023/XX/25): Agree with error
condition. disclosed Total of Payments in the amount of $XXX is under disclosed by Reviewed trailing documentation. Documents
SELLER - GENERAL $XXX compared to the calculated total of payments of $XXX which exceeds necessary to clear the conditions were not
COMMENT the $XXX per month threshold. provided. Exception remains.
(2023/XX/XX): Federal Compliance - TRID Ten Percent Tolerance Violation With SELLER - GENERAL COMMENT (2023/XX/18): 1008
Duplicate and/or Sufficient Cure - 1026.19(f)(2) Cure: Ten Percent Fee Tolerance dated 10/XX/16 indicates a counter was accepted
waterfall exceeded. Total amount of $XXX exceeds tolerance of $XXX plus 10% or lowering 2nd TD and final DTI under 44%. 1008
exception $XXX. Sufficient or excess cure was provided to the borrower. DTI 43.141% using income of $XXX PITIA of $XXX
REVIEWER - and other debts of $XXX
GENERAL COMMENT REVIEWER - GENERAL COMMENT (2023/XX/21): Based
(2023/XX/XX): on lender guides, the qualifying method is 10/1
Reviewed trailing IO ARM - The qualifying rate is the greater of
documentation. the note rate plus 2% or the fully-indexed rate.
Documents The qualifying payment is the payment based on
necessary to the qualifying rate amortized over 30 years (the
clear the number of years remaining after the interest-
conditions were only period ends). This calculation is causing
not provided. the DTI discrepancy.
Exception REVIEWER - GENERAL COMMENT (2023/XX/15): No
remains. documentation was provided in trailing docs to
clear this condition.
SELLER - GENERAL COMMENT (2023/XX/25): Duplicate
and/or waterfall exception
REVIEWER - GENERAL COMMENT (2023/XX/27):
Reviewed trailing documentation. Documents
necessary to clear the conditions were not
provided. Exception remains.
SELLER - GENERAL COMMENT (2023/XX/18): Fed HPML
Provision was effective Feb 2021, loan closed
prior
REVIEWER - GENERAL COMMENT (2023/XX/21): HPML
requirements were added under Section 35 of TILA
and applicable to closed-end loans secured by
principal dwelliong for applications taken on or
after October 1, 2009. Loan was originations
after this date and exception is valid. The
requirement for establishment of escrow account
was a requirements of the implementation of the
HPML regulation.
REVIEWER - GENERAL COMMENT (2023/XX/15): No
documentation was provided in trailing docs to
clear this condition.
SELLER - GENERAL COMMENT (2023/XX/25): Agree
with error
REVIEWER - GENERAL COMMENT (2023/XX/25): No
supporting trailing documentation was provided
to clear this exception. Exception remains.
SELLER - GENERAL COMMENT (2023/XX/18):
Compliance Eagle uploaded 4/XX/23 at 8:14am
under Misc reflects a passing High Cost test
(dated 10-18 at 9:44 am). All closing docs
reference final APR XXX%
REVIEWER - GENERAL COMMENT (2023/XX/21): File
contains no compliance report to determine
lenders APR calculations. Condition remains.
SELLER - GENERAL COMMENT (2023/XX/25): Provided
Compliance Eagle report to support passing High
Cost test. Closing docs support final APR XXX%
REVIEWER - GENERAL COMMENT (2023/XX/27):
Reviewed trailing documentation. Documents
necessary to clear the conditions were not
provided. Exception remains.
REVIEWER - CURED COMMENT (2023/XX/23):
Sufficient Cure Provided within 60 Days of
Closing
649207868 XXX XXX 1 XXX $XXX CA 3/XX/2017 2/XX/2017 Primary Refinance Non QM 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 -
Rate/Term Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Creditor did not provide a copy of
applicant three (3) business days prior to consummation. (Type:Primary/02/XX/2017) each valuation to applicant three (3) business days prior to
consummation.
649208356 XXX XXX 1 XXX $XXX CA 7/XX/2014 5/XX/2014 Investment Refinance N/A 2 B B B B [3] Income Documentation - Income documentation requirements not met. VVOE provided for Borrower 2's wage income is dated 2 B B B B [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Application / Processing - Missing Document: Missing Lender's Initial -
Rate/Term [3] Insurance Analysis - Insufficient Coverage: Hazard insurance more than 10 business days prior to the Note date. 1003: Signed and Dated Lender's Initial 1003 is missing.
coverage amount is insufficient. HOI coverage provided is short $XXX. Increased
[3] Income Documentation - Verification(s) of employment is not coverage or Replacement Cost Estimator is required.
within 10 business days of the Note.: Borrower: XXX // Employment VVOE provided for Borrower 2's wage income is dated
Type: Employment / Income Type: Wages / Start Date: 09/XX/1989 more than 10 business days prior to the Note date.
649208045 XXX XXX 1 XXX $XXX CA 11/XX/2017 10/XX/2017 Primary Refinance Non QM 2 B B B B [3] Missing Document - File does not contain documentation from File does not contain documentation from Lender 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided Federal Compliance - ARM Disclosure Timing Test: ARM Disclosire does not REVIEWER - GENERAL COMMENT (2023/XX/30): The -
Cash-out - lender/seller confirming the condo is warrantable.: Valuation Type: confirming the condo is warrantable. within three (3) days of application due to missing information. disclose a provide date or received date. loan terms indicate maximum interest rate and
Debt Appraisal / Valuation Report Date: 11/XX/2017 [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - TRID Final Closing Disclosure AP Table Maximum payment amount can be reached in year 13,
Consolidation on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Payment: Adjustable Payment Table: Final Closing Disclosure provided on however page one indicates payment would not
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to 11/XX/2017 disclosed a Maximum Payment amount and period that does not reach maximum until year 14. Cure is required.
Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to match the actual terms for the loan hence please provide revised cd PCCD, LOE, reopening of rescission and proof of
applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2017) Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In delivery.
[2] Federal Compliance - TRID Final Closing Disclosure AP Table Maximum Payment: TILA-RESPA Integrated Year: Final Closing Disclosure provided on 11/XX/2017 with an increasing REVIEWER - GENERAL COMMENT (2023/XX/30): The
Disclosure - Adjustable Payment Table: Final Closing Disclosure provided on 11/XX/2017 disclosed a Maximum payment disclosed the earliest date of the maximum possible amount of loan terms indicate maximum interest rate and
Payment amount and period that does not match the actual terms for the loan. (Final/11/XX/2017) principal and interest that does not match the actual earliest date for payment amount can be reached in year 13,
[2] Federal Compliance - TRID Final Closing Disclosure Payment Max Amount In Year: TILA-RESPA Integrated the loan hence please provide valid change of circumstance or revised however page one indicates payment would not
Disclosure - Loan Terms: Final Closing Disclosure provided on 11/XX/2017 with an increasing payment document to cure this issue reach maximum until year 14. Cure is required.
disclosed the earliest date of the maximum possible amount of principal and interest that does not match Federal Compliance - TRID Revised Loan Estimate Issue and Received Date PCCD, LOE, reopening of rescission and proof of
the actual earliest date for the loan. (Final/11/XX/2017) > Closing Disclosure Issue and Received Date: Initial Loan Estimate delivery.
[2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and dated 10/XX/2017 signed by Borrower(s) on 10/XX/2017 after Initial
Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure dated 7/XX/2017.
Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Federal Compliance - TRID Revised Loan Estimate Issue and Received Date
Disclosure.) (Initial/10/XX/2017) > Closing Disclosure Issue and Received Date: Revised Loan Estimate
[2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and dated 11/XX/2017 (#1) provided to Borrower(s) on 11/XX/2017 after
Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Initial Closing Disclosure dated 7/XX/2017. Revised Loan Estimate is not
Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing signed by Borrower.
Disclosure.) (Interim/11/XX/2017) Federal Compliance - TRID Revised Loan Estimate Issue and Received Date
[2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and > Closing Disclosure Issue and Received Date: Revised Loan Estimate
Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the dated 11/XX/2017 (#1) provided to Borrower(s) on 11/XX/2017 after
Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Initial Closing Disclosure dated 7/XX/2017. Revised Loan Estimate is not
Disclosure.) (Interim/11/XX/2017) signed by Borrower.
[2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Federal Compliance - TRID Revised Loan Estimate Issue and Received Date
Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the > Closing Disclosure Issue and Received Date: Revised Loan Estimate
Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing dated 11/XX/2017 (#2) provided to Borrower(s) on 11/XX/2017 after
Disclosure.) (Interim/11/XX/2017) Initial Closing Disclosure dated 7/XX/2017. Revised Loan Estimate is not
[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA signed by Borrower.
Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX Federal Compliance - TRID Ten Percent Tolerance Violation Without
plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) Sufficient Cure Provided: Missing valid Change of Circumstance for
increased fee(s). Final Closing Disclosure does not disclose a Lender
cure credit sufficient to cure $XXX tolerance amount.
649209036 XXX XXX 2 XXX $XXX CA 1/XX/2016 12/XX/2015 Investment Purchase N/A 2 B B B B [3] General - Initial Rate Lock rate date is not documented in file. Initial Rate Lock rate document is missing. 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 -
Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Creditor did not provide a copy of
applicant three (3) business days prior to consummation. (Type:Primary/01/XX/2016) each valuation to applicant three (3) business days prior to
consummation.
649208209 XXX XXX 1 XXX $XXX CA 3/XX/2019 2/XX/2019 Primary Refinance Non QM 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: E-Sign Consent Agreement missing in file. 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program Federal Compliance - RESPA Disclosure - List of Homeownership Counseling -
Cash-out - Disclosure: E-Sign Consent Agreement disclosure not provided to the borrower within three (3) days of application. Organizations Missing: Missing List of Homeownership Counseling
Home [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook Organizations.
Improvement on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of Federal Compliance - RESPA - Initial Escrow Account Statement Missing:
application. Missing Initial escrow account statement.
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Federal Compliance - TRID Initial Closing Disclosure Timing without
Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations Waiver: Final Closing Disclosure not provided to Borrower(s) at least
to borrower. three (3) business days prior to closing.
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account Federal Compliance - TRID Zero Percent Tolerance Violation Without
statement was not provided to the borrower. Sufficient Cure Provided: Credit Report Fee was last disclosed as $XXX
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated on LE, but disclosed as $XXX on Final Closing Disclosure. File does not
Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to contain a valid COC for this fee, nor evidence of cure in file.
closing. (Final/03/XX/2019)
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Re-Issue Fee. Fee Amount of
$XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75117)
649207112 XXX XXX 1 XXX $XXX WA 7/XX/2015 6/XX/2015 Primary Purchase Non QM 2 B B B B [3] Insurance Analysis - Insufficient Coverage: Hazard insurance 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet -
coverage amount is insufficient. on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. missing on file
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Application / Processing - Missing Document: Missing Lender's Initial
[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: 1003: Initial 1003 not signed and dated.
Creditor did not provide HUD Settlement Cost Booklet. Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account Missing: HUD Settlement Cost Booklet missing on file
statement was not provided to the borrower. Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Change Date In First 5 Years Change Date Inaccurate (ARM loan): The note indicates
Inaccurate (ARM loan): Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" date on the Final the first payment is due 09/XX/2015. The final TIL indicates the first
TIL does not match the date on which the first regular periodic payment will be due and the earliest date payment is due 07/XX/2015.
on which that rate may apply. Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Taxes and Insurance Adjustment Taxes and Insurance Inaccurate: The TIL has an estimated
Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" amount of taxes and insurance, escrow payment of $XXX. The actual estimated escrow payment is $XXX.
including any mortgage insurance, on the Final TIL does not match the escrow payment that may apply during Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First
the first rate adjustment of the loan. Adjustment Total Payment (PITI) Inaccurate: The TIL has an estimated
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Total Payment (PITI) escrow payment of $XXX. The actual estimated escrow payment is $XXX. The
Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" total payment amount (PITI) on the amount is $XXX difference.
Final TIL does not match the total payment amount that may apply during the first rate adjustment of the
loan.
649208489 XXX XXX 1 XXX $XXX CA 2/XX/2019 1/XX/2019 Primary Refinance 3 D D D D 3 D D D D [3] Loan File - (Missing Doc) Incomplete loan images/file Loan File - (Missing Doc) Incomplete loan images/file: File is missing SELLER - GENERAL COMMENT (2023/XX/18): Disagree; GENERAL COMMENT (2023/XX/18): Disagree; DocVelocity UTD Indeterminable
Rate/Term the following items: Initial/Final fully executed applications, Loan DocVelocity shows 286 documents retained for shows 286 documents retained for this loan file.
Estimates, Closing Disclosures, Note for subject Lien, appraisal, this loan file.
2017/2016 K1's being used for income, 2017/2016 signed/dated personal REVIEWER - GENERAL COMMENT (2023/XX/22): File
tax returns and transcripts, 2017/2016 signed/dated business returns on remains substantially incomplete with most
any income being used, leases for all properties, Expense documentation significant items missing being 2 yrs 1040s
for all real estate owned. including all schedules, appraisal, HOI, all
documents related to the expenses for the REO
properties (leases, tax stmts, HOI stmts and
mortgage stmts), all Loan Estimates and Closing
Disclosures. This list is not all inclusive,
but includes some of the most significant pieces
still missing. Finding remains open.
649208610 XXX XXX 1 XXX $XXX CA 3/XX/2023 2/XX/2023 Primary Purchase HUD Safe 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 -
Harbor QM Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: No evidence in the file that the
applicant three (3) business days prior to consummation. (Type:Primary/02/XX/2023) borrower received a copy of the appraisal.
[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Ten Percent Tolerance Violation Without
Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total
plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA or no cure was provided to the borrower.
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Federal Compliance - TRID Zero Percent Tolerance Violation Without
Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7531) Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Flood
Certification (Initial Fee). Fee Amount of $XXX exceeds tolerance of
$XXX. Insufficient or no cure was provided to the borrower.
649207802 XXX XXX 2 XXX $XXX IL 3/XX/2022 3/XX/2022 Primary Purchase Safe Harbor 2 B B B B 2 B B B B [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Federal Compliance - TRID Initial Closing Disclosure Timing without -
QM (APOR) Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to Waiver: Closing Disclosure not provided to Borrower within three
closing. (Initial/03/XX/2022) business days prior to closing.
649207701 XXX XXX 1 XXX $XXX FL 10/XX/2022 7/XX/2022 Primary Purchase Safe Harbor 2 B B B B 2 B B B B [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Borrower has -
QM (APOR) not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine Organizations Missing: Creditor did not provide List of Homeownership been employed
rate used for testing. Counseling Organizations to borrower. in the same
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without industry for
Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for more than 5
to borrower. Appraisal Re-Inspection Fee. Fee Amount of $XXX exceeds tolerance of years.
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA $XXX. No valid changed circumstance was provided. No cure was provided
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of to the Borrower. Borrower has
$XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75103) Federal Compliance - TRID Zero Percent Tolerance Violation Without verified
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Loan disposable
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. No valid income of at
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) changed circumstance was provided. No cure was provided to the Borrower. least $XXX.
Borrower has
worked in the
same position
for more than 3
years.
Borrowers made
a down payment
from their own
funds on this
purchase
transaction of
at least 5% and
$XXX.
The
representative
FICO score is
above 680.
649209175 XXX XXX 2 XXX $XXX NY 5/XX/2023 12/XX/2022 Primary Purchase Safe Harbor 2 B B B B [3] Appraisal The initial 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - TRID Zero Percent Tolerance Violation Without -
QM (APOR) Data Integrity appraisal was Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Sufficient Cure Provided: No valid COC provided, nor evidence of cure in
- Appraiser's completed applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2023) file.
license or prior to the [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - TRID Zero Percent Tolerance Violation Without
certification license Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Sufficient Cure Provided: No valid COC provided, nor evidence of cure in
was not active expiration applicant three (3) business days prior to consummation. (Client:5048/01/XX/2023) file.
at the time of date. There [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Federal Compliance - TRID Zero Percent Tolerance Violation Without
the was no change [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Sufficient Cure Provided: No valid COC provided, nor evidence of cure in
appraisal.: in value from Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX file.
Valuation the initial to exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520)
Type: the final [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA
Appraisal / appraisal. Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds
Valuation tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7308)
Report Date: [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA
04/XX/2023 Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200)
649209250 XXX XXX 2 XXX $XXX CA 5/XX/2023 4/XX/2023 Primary Refinance Safe Harbor 2 B B B B 2 B B B B [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without -
Cash-out - QM (APOR) Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds Sufficient Cure Provided: Appraisal Fee was last disclosed as $XXX on
Other tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) Loan Estimate but disclosed as $XXX on Final Closing Disclosure. File
does not contain a valid Change of circumstance for this fee, nor
evidence of cure in file.
649208903 XXX XXX 1 XXX $XXX FL 1/XX/2023 12/XX/2022 Primary Refinance Safe Harbor 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Federal Compliance - TRID Zero Percent Tolerance Violation Without -
Cash-out - QM (APOR) Credit Score Disclosure. Sufficient Cure Provided: Appraisal Fee was last disclosed as $XXX on LE
Other [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA but disclosed as $XXX on Final Closing Disclosure. File does not contain
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds a valid COC for this fee, nor evidence of cure in file. Provide a
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7308) post-close CD disclosing the tolerance cure to include $XXX a copy of
refund check, proof of delivery, and a copy of the letter of explanation
sent to the borrower disclosing the changes made.
649208250 XXX XXX 1 XXX $XXX TX 12/XX/2022 10/XX/2022 Primary Refinance Safe Harbor 2 B B B B [2] General - Evidence of Taxpayer Consent is Missing, and Taxpayer Evidence of Taxpayer Consent is Missing 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Federal Compliance - FACTA Disclosure Missing: Creditor did not provide -
Cash-out - QM (APOR) documentation is present. Credit Score Disclosure. FACTA Credit Score Disclosure
Other [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7308) Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX.
Insufficient or no cure was provided to the borrower.
649207411 XXX XXX 2 XXX $XXX OH 9/XX/2022 2/XX/2022 Primary Purchase HUD Safe 2 B B B B [3] Government Documentation - FHA - Final HUD Addendum to the Loan FHA - Final HUD Addendum to the Loan Application 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 -
Harbor QM Application 92900-A is not compliant.: Disclosure: FHA - Final HUD 92900-A (Government Documents): FHA - Final HUD Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Creditor did not provide a copy of
Addendum to the Loan Application 92900-A (Government Documents) Addendum to the Loan Application 92900-A is not applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2022) each valuation to applicant three business days prior to consummation. A
[3] General - FHA - Informed Consumer Choice Disclosure was not compliant. To be compliant, borrower(s) [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan signed and dated appraisal delivery waiver was not provided.
provided to borrower within 3 business days of the loan application.: signature(s) MUST be on both Part IV and Part V of Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of
Disclosure: FHA - Informed Consumer Choice Disclosure (Government Page 2, along with a signature on Page 4. The DE of Home Mortgage Loan Information Document not retained by lender. Receipt of Home Mortgage Loan Information Document Not Retained by
Documents) Signature and CHUMS ID is required for a Manual [2] State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided): Ohio Lender): Acknowledgement of Receipt of Home Mortgage Loan Information
[3] Government Documentation - Important Notice to Homebuyer (92900- Underwrite. The lender MUST sign page 1 and 4. Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure. Document not retained by lender.
B) is missing.: Disclosure: FHA - Important Notice to Homebuyer FHA - Informed Consumer Choice Disclosure not [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close
(92900-B) (Government Documents) provided to borrower within 3 business days of the Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX Disclosure Not Provided): Right Not To Close Disclosure was not
[3] Application / Processing - Missing Document: Purchase Agreement / loan application. Document was signed on plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) provided.
Sales Contract not provided 03/XX/2022. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Ten Percent Tolerance Violation Without
[3] Application / Processing - Missing Document: Verification of Loan was originated as FHA. A required Verification Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total
Identification not provided of Identification document was not provided. $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7591) amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. No valid
[2] Government Documentation - FHA - Initial HUD Addendum to the Loan FHA - Real Estate Certification is not provided in [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA changed circumstance was provided.
Application 92900-A was not provided within three days of the the file Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of Insufficient cure provided for all closing costs above the legal limit.
application date.: Disclosure: FHA - Initial HUD Addendum to the Loan $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75103) Federal Compliance - TRID Zero Percent Tolerance Violation Without
Application 92900-A (Government Documents) Sufficient Cure Provided: Mortgage Insurance Premium. Fee Amount of $XXX
[2] Government Documentation - FHA - Real Estate Certification was exceeds tolerance of $XXX.No valid changed circumstance was provided.
provided at or after closing.: Disclosure: FHA - Real Estate Insufficient cure provided for all closing costs above the legal limit.
Certification (Government Documents) Provided Date: 06/XX/2024; Federal Compliance - TRID Zero Percent Tolerance Violation Without
Consummation Date: 09/XX/2022 Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for
[2] General - Loan has been identified as FHA/VA/USDA: Mortgage Type: Appraisal Re-Inspection Fee. Fee Amount of $XXX exceeds tolerance of
FHA $XXX. No valid changed circumstance was provided. Insufficient cure
provided for all closing costs above the legal limit.
649208246 XXX XXX 1 XXX $XXX CO 11/XX/2021 10/XX/2021 Investment Refinance N/A 1 A A A A [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline The most recent AUS required an appraisal. 1 A A A A -
Rate/Term Findings: All conditions were not met However, the appraisal provided is dated two months
[3] Insurance Analysis - Insufficient Coverage: Hazard insurance after closing and pages are cutoff at the bottom.
coverage amount is insufficient. The value is not shown on the appraisal.
[3] Appraisal Documentation - Missing Document: Appraisal not HOI coverage is insufficient by $XXX. Provide
provided updated policy reflecting minimum coverage of $XXX
[3] Application / Processing - Missing Valuation:: Valuation Type: OR provide copy of insurer's replacement cost
Appraisal / Valuation Report Date: <empty> Appraisal is missing estimate supporting current coverage amount.
The AUS required an appraisal. The appraisal
provided is dated two months post closing and the
value is not legible on the document.
649208781 XXX XXX 1 XXX $XXX GA 9/XX/2021 8/XX/2021 Primary Purchase Safe Harbor 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA -
QM (APOR) Credit Score Disclosure.
649207224 XXX XXX 2 XXX $XXX PA 9/XX/2021 8/XX/2021 Primary Purchase Safe Harbor 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 REVIEWER - CURED COMMENT (2024/XX/23): -
QM (APOR) Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: No proof in file that the appraisal Sufficient Cure Provided At Closing
applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2021) was provided to the borrower
[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date Federal Compliance - (Missing Data) Last Rate Set Date: Rate lock
not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine agreement not provided
rate used for testing. Federal Compliance - TRID Zero Percent Tolerance Violation With
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of for Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX.
$XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) Sufficient or excess cure was provided to the borrower at Closing
649207894 XXX XXX 1 XXX $XXX CA 10/XX/2021 9/XX/2021 Second Refinance Safe Harbor 1 A A A A 1 A A A A -
Home Cash-out - QM (APOR)
Other
649208441 XXX XXX 1 XXX $XXX UT 12/XX/2021 11/XX/2021 Primary Purchase Safe Harbor 1 A A A A [3] Insurance Analysis - Insufficient Coverage: Hazard insurance Hazard insurance coverage is short $XXX provide 1 A A A A [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Federal Compliance - TRID Zero Percent Tolerance Violation With REVIEWER - CURED COMMENT (2024/XX/23): -
QM (APOR) coverage amount is insufficient. policy reflecting sufficient coverage or TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of Sufficient Cure Provided At Closing: Appraisal Fee. Fee Amount of $XXX Sufficient Cure Provided At Closing
replacement cost estimator. $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) exceeds tolerance of $XXX. Sufficient or excess cure was provided to the
borrower at Closing.
649208144 XXX XXX 2 XXX $XXX IL 8/XX/2021 3/XX/2021 Primary Refinance Temporary 2 B B B B [3] Income Documentation - REO Documents are missing.: Address: XXX, 2 B B B B [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Federal Compliance - TRID Lender Credit Tolerance Violation Without -
Rate/Term SHQM IL HOA Verification [2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA- Sufficient Cure Provided: No valid COC provided, nor evidence of cure in
(GSE/Agency RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of file.
Eligible) -$XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300)
649206783 XXX XXX 1 XXX $XXX GA 10/XX/2021 8/XX/2021 Primary Refinance Non QM 2 B B B B 2 B B B B [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay Federal Compliance - Check Restated Loan Designation Match - General -
Cash-out - (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Ability to Repay: Designation has been restated.
Other Designation of Non QM matches the Due Diligence Loan Designation of Non QM. Federal Compliance - FACTA Disclosure Missing: Creditor did not provide
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA FACTA Credit Score Disclosure.
Credit Score Disclosure.
649207247 XXX XXX 2 XXX $XXX CA 11/XX/2021 10/XX/2021 Primary Refinance Safe Harbor 2 B B B B [3] Document Error - Un-audited P&L Statement provided. Average 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA -
Rate/Term QM (APOR) monthly deposits on the business Account statements do not support Credit Score Disclosure.
the average monthly income on the YTD P&L Statement. (GSE COVID-19):
Borrower: XXX // Employment Type: Employment / Income Type: S-Corp
(>= 25%) / Start Date: 06/XX/2018
649207532 XXX XXX 1 XXX $XXX IN 9/XX/2021 7/XX/2021 Primary Refinance HUD Safe 2 B B B B [2] General - Loan has been identified as FHA/VA/USDA: Mortgage Type: 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Federal Compliance - TRID Lender Credit Tolerance Violation Without -
Cash-out - Harbor QM FHA Credit Score Disclosure. Sufficient Cure Provided: Valid Change Circumstance not provided
Other [2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-
RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of
-$XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300)
649207156 XXX XXX 1 XXX $XXX IN 10/XX/2021 9/XX/2021 Primary Refinance Safe Harbor 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Federal Compliance - FACTA Disclosure Missing: FACTAdisclosure is -
Cash-out - QM (APOR) Credit Score Disclosure. missing.
Other
649207872 XXX XXX 1 XXX $XXX GA 2/XX/2024 1/XX/2024 Primary Purchase Safe Harbor 2 B B B B [3] Title / Lien Defect - Final Title Policy is missing. No evidence Title Evidence is Missing. 2 B B B B [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Application / Processing - Missing Document: Missing Lender's Initial REVIEWER - CURED COMMENT (2024/XX/23): -
QM (APOR) of title in file. HO-6 or Walls-In insurance was captured on the [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA 1003: 1003 Initial - Lender's is missing. Sufficient Cure Provided At Closing
[3] Insurance Documentation - Hazard Insurance Error: Missing HO-6 final CD, but was not provided in file. Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations Federal Compliance - RESPA Disclosure - List of Homeownership Counseling REVIEWER - CURED COMMENT (2024/XX/23):
policy, blanket hazard insurance policy provided does not contain Flood Certificate is missing. to borrower. Organizations Missing: Creditor did not provide List of Homeownership Sufficient Cure Provided At Closing
unit interior coverage. Mortgage Insurance Certificate (MIC) is missing. [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed: TILA-RESPA Counseling Organizations to borrower.
[3] Application / Processing - Missing Document: Flood Certificate Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2024 disclosed an Federal Compliance - TRID Final Closing Disclosure Estimated Escrow
not provided escrow payment for payment stream 2 that does not match the actual payment for the loan. Payment Over Disclosed: Projected Payments: Final Closing Disclosure
[3] Insurance Documentation - Missing Document: Mortgage Insurance (ProjSeq:2/2545312) provided on 02/XX/2024 disclosed an escrow payment for payment stream 2
Certificate (MIC) not provided [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA- that does not match the actual payment for the loan.
RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 02/XX/2024 disclosed Federal Compliance - TRID Final Closing Disclosure Estimated Escrow
an escrow payment for payment stream 1 that does not match the actual payment for the loan. Payment Over Disclosed Test: Projected Payments: Final Closing
(ProjSeq:1/2545311) Disclosure provided on 02/XX/2024 disclosed an escrow payment for
payment stream 1 that does not match the actual payment for the loan.
649206921 XXX XXX 1 XXX $XXX CA 2/XX/2020 1/XX/2020 Primary Purchase Safe Harbor 1 A A A A [3] Income Documentation - REO Documents are missing.: Address: XXX, Tax Verification is missing for investment 1 A A A A -
QM NY Tax Verification property.
649206950 XXX XXX 2 XXX $XXX CA 12/XX/2020 12/XX/2020 Primary Purchase Safe Harbor 1 A A A A [3] Document Error - Borrower(s) is not a U.S. Citizen, and the Employment Authorization, Resident Alien Card, 1 A A A A -
QM guideline required documentation was not provided.: Borrower: XXX, Passport and VISA missing in loan file.
Borrower: XXX Employment Authorization, Resident Alien Card,
[3] General - Missing Document: Verification of Non-US Citizen Status Passport and VISA missing in loan file.
not provided
649207658 XXX XXX 2 XXX $XXX NY 11/XX/2019 7/XX/2019 Primary Refinance Temporary 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date REVIEWER - CURED COMMENT (2024/XX/24): -
Rate/Term SHQM (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Performed: The file is missing documentation verifying the borrowers Sufficient Cure Provided At Closing
(GSE/Agency Unable to determine compliance with appraisal timing requirements. (Type:Primary/10/XX/2019) received a copy of the appraisal within 3 business days of closing.
Eligible) [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Federal Compliance - TRID Revised Loan Estimate Timing Before Closing:
Disclosure: Revised Loan Estimate provided on 11/XX/2019 not received by borrower at least four (4) Revised Loan Estimate provided on 11/XX/2019 not received by borrower
business days prior to closing. (Interim/11/XX/2019) within timeframe of 4 days. It was signed on 11/XX/2019.
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Federal Compliance - TRID Zero Percent Tolerance Violation With
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded
$XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7349) Loan Discount Points. Fee Amount of $XXX exceeds previously disclosed
amount of $XXX. A valid COC, nor a cure tolerance were provided.
649208368 XXX XXX 2 XXX $XXX MA 6/XX/2021 5/XX/2021 Primary Purchase Temporary 2 B B B B [3] Insurance Analysis - Insufficient Coverage: Hazard insurance Situs AMC uses Fannie Mae's definition of 2 B B B B [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or -
SHQM coverage amount is insufficient. acceptable coverage. Fannie Mae requires coverage File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at Before Closing (3-Day Waiver In File): Borrowers signed Waiver on
(GSE/Agency [3] Guideline Issue - This loan closed during the COVID-19 affected equal to the lesser of the following: least three (3) business days prior to closing, and appraisal was not provided at or before closing. 05/XX/2021.
Eligible) timeframe. Asset Account date is more than 60 days prior to the Note 100% of the insurable value of the improvements, as (Type:Primary/06/XX/2021) Federal Compliance - (Missing Data) Last Rate Set Date: Rate Set Date is
date or notary date.: Financial Institution: XXX // Account Type: established by the property insurer; or the unpaid [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date missing.
Savings / Account Number: XXX Note Date: 06/XX/2021; Notary Date: principal balance of the mortgage, as long as it at not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine Federal Compliance - TRID Zero Percent Tolerance Violation Without
06/XX/2021 least equals the minimum amount-80% of the rate used for testing. Sufficient Cure Provided: Home Inspection Fee increased from $XXX to
insurable value of the improvements-required to [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA $XXX, an increase of $XXX, without a valid Changed Circumstance form in
compensate for damage or loss on a replacement cost Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee. Fee Amount of $XXX file. No cure provided.
basis. If it does not, then coverage that does exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7708)
provide the minimum required amount must be
obtained. There is a shortfall of $XXX.
Bank Statements are within 60 days prior to the
Note Date of 06/XX/2021.
649208140 XXX XXX 1 XXX $XXX NY 1/XX/2020 11/XX/2019 Primary Refinance Temporary 2 B B B B [3] Insurance Analysis - Insufficient Coverage: Hazard insurance Hazard Insurance Coverage Amount is insufficient by 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 REVIEWER - CURED COMMENT (2024/XX/26): -
Rate/Term SHQM coverage amount is insufficient. $XXX. Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Creditor did not provide a copy of Sufficient Cure Provided At Closing
(GSE/Agency applicant three (3) business days prior to consummation. (Type:Primary/12/XX/2019) each valuation to applicant three business days prior to consummation.
Eligible) [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Disclosure Not Provided Within 3 Business Days of Application: Creditor
Arrangement Disclosure to applicant within three (3) business days of application. did not provide Affiliated Business Arrangement Disclosure to applicant
[2] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October within three business days of application.
2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year
Final Closing Disclosure provided on 01/XX/2020 are underdisclosed. (Final/01/XX/2020) 1 Underdisclosed - October 2018: Loan Disclosures: Non Escrowed Property
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Costs over Year 1 of on Final Closing Disclosure provided on 01/XX/2020
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Management Company are underdisclosed.
(Service Fee). Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to Federal Compliance - TRID Zero Percent Tolerance Violation With
the borrower at Closing. (75246) Sufficient Cure Provided At Closing: Sufficient cure was provided at
closing.
649206819 XXX XXX 1 XXX $XXX FL 2/XX/2020 2/XX/2020 Primary Purchase Temporary 1 A A A A [3] Application / Processing - Missing Document: Fraud Report not 1 A A A A -
SHQM provided
(GSE/Agency
Eligible)
649207574 XXX XXX 1 XXX $XXX WA 9/XX/2019 8/XX/2019 Primary Refinance Temporary 2 B B B B 2 B B B B [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Federal Compliance - TRID Initial Closing Disclosure Timing without -
Cash-out - SHQM Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to Waiver: Closing Disclosure not provided to Borrower(s) at least three
Other (GSE/Agency closing. (Final/09/XX/2019) (3) business days prior to closing. (Final/09/XX/2019)
Eligible)
649209086 XXX XXX 2 XXX $XXX NY 4/XX/2019 12/XX/2018 Primary Refinance Temporary 2 B B B B [3] Mortgage / Program Eligibility - Missing Document: Note - 2 B B B B [2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: -
Rate/Term SHQM Subordinate Lien not provided Closing Disclosure estimated to be provided on 04/XX/2019 did not disclose the actual Date Issued. Unable Date issued not completed on Closing Disclosure.
(GSE/Agency to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID Federal Compliance - TRID Closing Disclosure Issue Date Not Provided:
Eligible) timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to Date issued not completed on Closing Disclosure.
missing Issue Date. Tested using an estimated Date Issued based on best information available. Federal Compliance - TRID Final Closing Disclosure Amount Financed Test:
(Initial/04/XX/2019) Finance Charge disclosed is $XXX. Calculated finance charge is $XXX
[2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Variance of $XXX.
Closing Disclosure estimated to be provided on 04/XX/2019 did not disclose the actual Date Issued. Unable Federal Compliance - TRID Final Closing Disclosure Finance Charge:
to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID Finance Charge disclosed is $XXX. Calculated finance charge is $XXX
timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to Variance of $XXX.
missing Issue Date. Tested using an estimated Date Issued based on best information available. Federal Compliance - TRID Initial Closing Disclosure Timing without
(Interim/04/XX/2019) Waiver: Proof of earlier delivery not found in file.
[2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Federal Compliance - TRID Interim Closing Disclosure Timing Test: Proof
Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2019 disclosed an Amount of delivery not found in file.
Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is Federal Compliance - TRID Lender Credit Tolerance Violation Without
over disclosed by $XXX compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge Sufficient Cure Provided: Lender Credit was last disclosed as -$XXX on
is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts LE but disclosed as- $XXX on Final Closing Disclosure. File does not
included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated contain a valid Change of Circumstance for this fee, nor evidence of
04/XX/2019). (Final/04/XX/2019) cure in file.
[2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Federal Compliance - TRID Revised Loan Estimate Issue and Received Date
Loan Calculations: Final Closing Disclosure provided on 04/XX/2019 disclosed an inaccurate Finance Charge > Closing Disclosure Issue and Received Date: Loan Estimate provided
on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the after the date of Closing Disclousre.
amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds Federal Compliance - TRID Revised Loan Estimate Timing Before Closing:
the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure Proof of receipt not in file.
dated 04/XX/2019). (Final/04/XX/2019) Federal Compliance - TRID Zero Percent Tolerance Violation Without
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Sufficient Cure Provided: Service Charge Fee was not disclosed on Loan
Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to Estimate. File does not contain a valid Change of Circumstance for this
closing. (Initial/04/XX/2019) fee, nor evidence of cure.
[2] Federal Compliance - TRID Interim Closing Disclosure Timing Test: TILA-RESPA Integrated Disclosure -
Corrected Closing Disclosure provided on or after 04/XX/2019 contains a change in APR and was not received
by borrower at least three (3) business days prior to consummation
[2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-
RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of
-$XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300)
[2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and
Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the
Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing
Disclosure.) (Interim/04/XX/2019)
[2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated
Disclosure: Revised Loan Estimate provided on 04/XX/2019 not received by borrower at least four (4)
business days prior to closing. (Interim/04/XX/2019)
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Service Charges. Fee Amount of $XXX exceeds
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7527)
649207422 XXX XXX 1 XXX $XXX TX 12/XX/2023 11/XX/2023 Primary Purchase Safe Harbor 1 A A A A 1 A A A A -
QM (APOR)
649207614 XXX XXX 2 XXX $XXX OH 11/XX/2023 10/XX/2023 Primary Purchase Safe Harbor 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date -
QM (APOR) (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Performed: Delivery of appraisal not provided to the borrower within 3
Unable to determine compliance with appraisal timing requirements. (Type:Primary/10/XX/2023) days prior to closing.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Federal Compliance - FACTA Disclosure Missing: Creditor did not provide
Credit Score Disclosure. FACTA Credit Score Disclosure.
[2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of
Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt Receipt of Home Mortgage Loan Information Document Not Retained by
of Home Mortgage Loan Information Document not retained by lender. Lender): Acknowledgement of Receipt of Home Mortgage Loan Information
[2] State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided): Ohio Document not retained by lender.
Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure. State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close
Disclosure Not Provided): Right not to close disclosure not provided to
borrower.
649207402 XXX XXX 1 XXX $XXX CA 8/XX/2013 6/XX/2013 Investment Refinance 1 A A A A 1 A A A A -
Cash-out -
Other
649206773 XXX XXX 1 XXX $XXX CA 3/XX/2013 1/XX/2013 Primary Refinance 2 B B B B [3] General - Initial Rate Lock rate date is not documented in file. 2 B B B B [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL -
Cash-out - not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine itemization only disclosed the prepaid interest fee of $XXX as prepaid
Debt rate used for testing. finance charges.
Consolidation [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA
(2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms
for all other settlement charges.
[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Truth in Lending Act
(NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination activities.
[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Truth in Lending Act
(NMLSR Dodd- Frank 2014): Loan Originator Organization not licensed to conduct loan origination activities.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649208102 XXX XXX 1 XXX $XXX CA 9/XX/2013 8/XX/2013 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
Cash-out - Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement determine under disclosure due to missing itemization of amount
Debt Disclosure. financed. Under disclosure appears to be fee related.
Consolidation [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
[2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance
(Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the
proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have
been used.
649207362 XXX XXX 1 XXX $XXX CA 3/XX/2011 2/XX/2011 Investment Refinance 3 D D D D 3 D D D D [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing Material: Missing Final No TNR Testing
Cash-out - HUD-1: Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. Not Required
Debt
Consolidation
649206779 XXX XXX 2 XXX $XXX CA 12/XX/2013 10/XX/2013 Investment Refinance 1 A A A A 1 A A A A -
Rate/Term
649208404 XXX XXX 2 XXX $XXX CA 3/XX/2013 1/XX/2013 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - RESPA (2010) - GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) - GFE -
Rate/Term column on page 3 of Final HUD-1 does not match most recently disclosed GFE.
[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on
Final GFE does not match Note.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business
Arrangement Disclosure to applicant within three (3) business days of application.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3
Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing
Disclosure Statement to applicant within three (3) business days of application.
649207863 XXX XXX 2 XXX $XXX CA 5/XX/2000 4/XX/2000 Investment Purchase 1 A A A A 1 A A A A -
649207210 XXX XXX 1 XXX $XXX CA 2/XX/2013 1/XX/2013 Investment Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA -
Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 01/XX/2013 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
649209169 XXX XXX 1 XXX $XXX CA 9/XX/2013 8/XX/2013 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided -
Cash-out - within three (3) days of application due to missing information.
Debt [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing
Consolidation requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - Federal LO Compensation Dual Compensation Pre-Dodd Frank Test: Loan Originator
Compensation: Dual compensation received from both a consumer and person other than consumer.
[2] Federal Compliance - Possible Federal Loan Originator Compensation - Anti-Steering Disclosure Not
Provided: Unable to determine Anti-Steering compliance/Safe Harbor: Loan Originator Compensation: Anti-
Steering - Unable to determine Safe Harbor due to Anti-Steering Disclosure not provided to borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 08/XX/2013 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3
Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO
company NMLS license due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test
Individual Loan Originator license status due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan
Originator license due to missing information.
[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company
status due to missing information.
[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair
Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due
to missing evidence of initial loan application date.
[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable
to determine compliance with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate:
Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest
date on which the maximum rate may apply.
649207962 XXX XXX 2 XXX $XXX CA 5/XX/2013 4/XX/2013 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided -
Cash-out - within three (3) days of application due to missing information.
Debt [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing
Consolidation requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 04/XX/2013 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA
(2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms
for all other settlement charges.
[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated
Business Arrangement Disclosure to applicant within three (3) business days of application due to missing
information.
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account
statement was not provided to the borrower.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3
Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO
company NMLS license due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test
Individual Loan Originator license status due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan
Originator license due to missing information.
[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company
status due to missing information.
[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair
Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due
to missing evidence of initial loan application date.
[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable
to determine compliance with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate:
Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest
date on which the maximum rate may apply.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Change Date
Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" date on the Final TIL does not match
the first adjustment date for the loan.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Taxes and Insurance
Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" amount of taxes and insurance,
including any mortgage insurance, on the Final TIL does not match the escrow payment that may apply during
the first rate adjustment of the loan.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Total Payment (PITI)
Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" total payment amount (PITI) on the
Final TIL does not match the total payment amount that may apply during the first rate adjustment of the
loan.
649208943 XXX XXX 2 XXX $XXX CA 6/XX/2013 5/XX/2013 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA -
Rate/Term Credit Score Disclosure.
[2] Federal Compliance - Federal LO Compensation Dual Compensation Pre-Dodd Frank Test: Loan Originator
Compensation: Dual compensation received from both a consumer and person other than consumer.
[2] Federal Compliance - Possible Federal Loan Originator Compensation - Anti-Steering Disclosure Not
Provided: Unable to determine Anti-Steering compliance/Safe Harbor: Loan Originator Compensation: Anti-
Steering - Unable to determine Safe Harbor due to Anti-Steering Disclosure not provided to borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 05/XX/2013 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account
statement was not provided to the borrower.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3
Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO
company NMLS license due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test
Individual Loan Originator license status due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan
Originator license due to missing information.
[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company
status due to missing information.
[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair
Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due
to missing evidence of initial loan application date.
[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable
to determine compliance with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA
2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not
match the amount of taxes and insurance, including any mortgage insurance, for the loan.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI)
Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match
the total payment amount for the loan.
649207865 XXX XXX 1 XXX $XXX CA 6/XX/2013 5/XX/2013 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided -
Cash-out - within three (3) days of application due to missing information.
Debt [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing
Consolidation requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 05/XX/2013 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3
Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO
company NMLS license due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test
Individual Loan Originator license status due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan
Originator license due to missing information.
[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company
status due to missing information.
[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair
Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due
to missing evidence of initial loan application date.
[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable
to determine compliance with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate:
Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest
date on which the maximum rate may apply.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Change Date
Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" date on the Final TIL does not match
the first adjustment date for the loan.
649207150 XXX XXX 1 XXX $XXX CA 6/XX/2007 5/XX/2007 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program -
disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing
requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
649208134 XXX XXX 2 XXX $XXX CA 5/XX/1999 4/XX/1999 Primary Purchase 3 D D D D 3 D D D D [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final Federal Compliance - Missing Final HUD-1: No Document Used For Fee SELLER - GENERAL COMMENT (2023/XX/18): Full GENERAL COMMENT (2023/XX/18): Full breakdown of final No TNR Testing
HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is Testing Material: Received only page 1 and a HUD addendum, need page 2 breakdown of final HUD can be found in the Title HUD can be found in the Title Insurance Document pages Not Required
unreliable. of HUD to complete testing. Insurance Document pages 45-48 45-48
[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement REVIEWER - GENERAL COMMENT (2023/XX/18): Unclear
date not found in file. Security Instrument Notary Date of 05/XX/1999 used as disbursement date for what specific document the seller is referring
compliance testing. to, however SAMC does not accept escrow
[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located instructions or other similar documentation in
in file. Compliance tests were run using an application date of 04/XX/1999 which is 1 months prior to lieu of a complete, fully executed HUD-1.
consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing Exception remains.
Disclosure, no fees were used in testing.
649207445 XXX XXX 1 XXX $XXX CA 6/XX/2008 5/XX/2008 UTD UTD UTD 3 D D D D [3] Title / Lien Defect - Final Title Policy is missing. No evidence Appraisal not provided. 3 D D D D [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing Material: Missing Final UTD Indeterminable
of title in file. HUD-1. No document containing fees provided. Any applicable Federal, State or Local compliance testing is
[3] General - Initial Rate Lock rate date is not documented in file. unreliable.
[3] Application / Processing - Missing Document: Missing Final 1003 [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement
[3] Application / Processing - Missing Valuation: date not found in file. Security Instrument Notary Date of 06/XX/2008 used as disbursement date for
compliance testing.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located
in file. Compliance tests were run using an application date of 05/XX/2008 which is 1 months prior to
consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing
Disclosure, no fees were used in testing.
[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is
other than single family residence, state and federal testing may be impacted.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel
was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a
defaulted value of Primary.
649207633 XXX XXX 2 XXX $XXX CA 2/XX/2014 12/XX/2013 Investment Refinance 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Compliance Determined Application Date: No -
Cash-out - evidence of application date located in file. Compliance tests were run using an application date of
Other 12/XX/2013. The source for this date is Initial disclosures.
649207055 XXX XXX 1 XXX $XXX OR 6/XX/2013 5/XX/2013 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program -
Rate/Term disclosure does not match terms of loan.
[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided
within three (3) days of application due to missing information.
[2] Federal Compliance - CHARM Booklet Disclosure Status: Unable to determine if loan file contains CHARM
Booklet due to missing information.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
Credit Score Disclosure.
[2] Federal Compliance - Possible Federal Loan Originator Compensation - Anti-Steering Disclosure Not
Provided: Unable to determine Anti-Steering compliance/Safe Harbor: Loan Originator Compensation: Anti-
Steering - Unable to determine Safe Harbor due to Anti-Steering Disclosure not provided to borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 05/XX/2013 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
[2] State Compliance - Oregon Prepayment Penalty Max Prepay: Oregon Prepayment Penalty: Loan agreement or
Note does not clearly state the maximum prepayment penalty applicable to each year of the loan.
[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3
Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO
company NMLS license due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test
Individual Loan Originator license status due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan
Originator license due to missing information.
[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company
status due to missing information.
[2] Federal Compliance - Safe Act NMLS - Missing Evidence of Initial Loan Application Date: Secure and Fair
Enforcement for Mortgage Licensing Act: Unable to determine compliance with NMLSR timing requirements due
to missing evidence of initial loan application date.
[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable
to determine compliance with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate:
Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest
date on which the maximum rate may apply.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Change Date
Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" date on the Final TIL does not match
the first adjustment date for the loan.
649206772 XXX XXX 2 XXX $XXX CA 11/XX/2013 7/XX/2013 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program -
Rate/Term disclosure does not match terms of loan.
[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided
within three (3) days of application due to missing information.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Secure and Fair
Enforcement for Mortgage Licensing Act: Individual Loan Originator not in approved license status to
conduct loan origination activities.
[2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance
(Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the
proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have
been used.
[2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate:
Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest
date on which the maximum rate may apply.
649209233 XXX XXX 1 XXX $XXX CA 11/XX/1996 10/XX/1996 Primary Refinance 2 B B B B [3] General - Initial Rate Lock rate date is not documented in file. 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program -
Cash-out - disclosure not provided to the borrower.
Other [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
649207214 XXX XXX 2 XXX $XXX CA 5/XX/2016 2/XX/2016 Primary Refinance Non QM 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program Federal Compliance - ARM Disclosure Status Test: File contains ARM -
Rate/Term disclosure not provided to the borrower. program disclosure; however, it is not dated to determine it was
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook provided within 3 business days of application.
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Federal Compliance - CHARM Booklet Disclosure Status: Consumer Handbook
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to on Adjustable Rate Mortgages, CHARM Booklet document not provided
Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2016) Business Days Prior to Consummation: Creditor did not provide a copy of
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA each valuation to applicant three (3) business days prior to
Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations consummation.
to borrower. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling
[2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - Pre October Organizations Missing: File is missing List of Homeownership Counseling
2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 Organizations.
of $XXX on Final Closing Disclosure provided on 05/XX/2016 are underdisclosed. (Final/05/XX/2016) Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Underdisclosed - Pre October 2018: Loan Disclosures: Page 1 of final CD
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds shows monthly Estimated Taxes, Insurance & Assessments of $XXX
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) translating to an annual payment of $XXX. Page 4 of final CD reflects
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Amount of Estimated Property Costs over Year 1 of $XXX on Final Closing
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX Disclosure. File does not contain a valid COC for this fee, nor evidence
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) of cure in file.
649206888 XXX XXX 2 XXX $XXX CA 4/XX/2019 3/XX/2019 Primary Refinance Non QM 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program Federal Compliance - ARM Disclosure Timing Test: ARM disclosure provided REVIEWER - GENERAL COMMENT (2023/XX/13): -
Rate/Term Disclosure: E-Sign Consent Agreement disclosure not provided to the borrower within three (3) days of application. 3/XX/2019, which was not within 3 days of application. Document provided cannot be used to clear this
[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook Federal Compliance - CHARM Booklet Disclosure Timing: CHARM disclosure condition. Please provide the list of at least
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of provided 3/XX/2019, which was not within 3 days of application. 10 counseling agencies, along with date list was
application. obtained.
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA
Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations
to borrower.
649208520 XXX XXX 1 XXX $XXX CA 7/XX/2014 5/XX/2014 Primary Refinance Non QM 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 -
Rate/Term Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Creditor did not provide a copy of
applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2014) each valuation to applicant three (3) business days prior to
[2] Miscellaneous Compliance - (Doc Error) GFE Error: Changed Circumstance not provided.: GFE Date: consummation.
07/XX/2014 Changed Circumstance not provided for GFE dated 07/XX/2014 from GFE dated 06/XX/2014 Miscellaneous Compliance - (Doc Error) GFE Error: Changed Circumstance
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003 not provided.: Changed of Circumstance is not present in file.
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Application / Processing - Missing Document: Missing Lender's Initial
Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations 1003: Provide signed and dated initial 1003.
to borrower. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling
Organizations Missing: List of Homeownership Counseling Organizations
disclosure is missing in file.
649207790 XXX XXX 2 XXX $XXX CA 12/XX/2015 11/XX/2015 Primary Refinance ATR Risk 3 C C C C [3] Missing Document - File does not contain documentation from File does not contain documentation from 3 C C C C [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Federal Compliance - Check Loan Designation Match - ATR Risk: The SELLER - GENERAL COMMENT (2023/XX/25): Disagree; GENERAL COMMENT (2023/XX/25): Disagree; Portfolio TILA ATR/QM
Rate/Term lender/seller confirming the condo is warrantable.: Valuation Type: lender/seller confirming the condo is warrantable. Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. maximum DTI is 38% per Portfolio Express guides. Loan approved at Portfolio Express loans do not have their own Express loans do not have their own specific max DTI
Appraisal / Valuation Report Date: 11/XX/2015 Per Portfolio Express and expanded DTI guides, 43% [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd- 40.433% specific max DTI requirements. RLU-NA 502-2 LOAN requirements. RLU-NA 502-2 LOAN PARAMETERS /
[3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: DTI is allowed with a 720 fico and 12 months Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Federal Compliance - General Ability To Repay Provision Investor PARAMETERS / UNDERWRITING GUIDELINES section UNDERWRITING GUIDELINES section states: Debt ratios
PITIA reserves months discrepancy.: Calculated PITIA months reserves reserves. Insufficient assets were listed on the [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Guidelines: The maximum DTI is 38% per Portfolio Express guides. Loan states: Debt ratios apply according to the apply according to the program selected. Max DTI
of XXX is less than Guideline PITIA months reserves of XXX. application to cover 12 months reserves. on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. approved at 40.433% program selected. Max DTI allowed is 43%. allowed is 43%.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Federal Compliance - CHARM Booklet Disclosure Status: No evidence in REVIEWER - GENERAL COMMENT (2023/XX/27): Failure
Credit Score Disclosure. file the CHARM booklet was provided to the borrower. remains due to insufficient assets to cover the GENERAL COMMENT (2023/XX/25): Disagree; Portfolio
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account Federal Compliance - FACTA Disclosure Missing: FACTA disclosure missing increase reserves. Per the Portfolio Express and Express loans do not have their own specific max DTI
statement was not provided to the borrower. from loan file. Expanded DTI guides, 43% is allowed with a 720 requirements. RLU-NA 502-2 LOAN PARAMETERS /
[2] Federal Compliance - TRID Final Closing Disclosure Other Includes Insurance Costs: TILA-RESPA Federal Compliance - RESPA - Initial Escrow Account Statement Missing: fico and 12 months reserves. UNDERWRITING GUIDELINES section states: Debt ratios
Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 12/XX/2015 disclosed Initial Escrow Account Statement is missing from the loan file. SELLER - GENERAL COMMENT (2023/XX/25): Disagree; apply according to the program selected. Max DTI
whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to Federal Compliance - TRID Zero Percent Tolerance Violation Without Portfolio Express loans do not have their own allowed is 43%.
consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Sufficient Cure Provided: Fee Amount of $XXX was added on the 11/XX/15 specific max DTI requirements. RLU-NA 502-2 LOAN
Projected Payments table. Disclosure requirement met, non-material exception for incorrect Closing Disclosure. File did not contain a valid Change of Circumstance PARAMETERS / UNDERWRITING GUIDELINES section
format/placement. (Final/12/XX/2015) or evidence of a tolerance cure. states: Debt ratios apply according to the
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without program selected. Max DTI allowed is 43%.
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXX Sufficient Cure Provided: Fee Amount of $XXX was added on the 11/XX/15 REVIEWER - GENERAL COMMENT (2023/XX/27): Failure
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7564) Closing Disclosure. File did not contain a valid Change of Circumstance remains due to insufficient assets to cover the
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA or evidence of a tolerance cure. increase reserves. Per the Portfolio Express and
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount Expanded DTI guides, 43% is allowed with a 720
of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75197) fico and 12 months reserves.
649207043 XXX XXX 1 XXX $XXX CA 1/XX/2021 11/XX/2020 Primary Refinance Safe Harbor 2 B B B B [3] Income Documentation - Verification(s) of employment is not Loan file is missing borrower's Verification of 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date -
Cash-out - QM within 10 business days of the Note.: Borrower: XXX // Employment employment dated within 10 business days of the disclosure not provided to the borrower within three (3) days of application. Performed: Due to missing self-employed income documentation, the
Debt Type: Employment / Income Type: Wages / Start Date: 08/XX/2013 Note. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook subject loan designation is QM (APOR) Fail.
Consolidation [2] General - Loans with an application date after 10/XX/2020 using a on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
LIBOR Index are not Agency Salable.: Index: LIBOR - 1 Year (Daily); [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule
Note Date: 01/XX/2021 (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.
Unable to determine compliance with appraisal timing requirements. (Type:Primary/12/XX/2020)
649208237 XXX XXX 2 XXX $XXX CA 2/XX/2021 1/XX/2021 Primary Purchase Safe Harbor 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: E-sign Consent Agreement not provided. 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program Federal Compliance - ARM Disclosure Timing Test: ARM loan program REVIEWER - GENERAL COMMENT (2023/XX/30): Missing -
QM Disclosure: E-Sign Consent Agreement disclosure not provided to the borrower within three (3) days of application. disclosure not provided to the borrower within three (3) days of CHARM Booklet provided within 3 days of
[2] General - Loans with an application date after 10/XX/2020 using a [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook application. application.
LIBOR Index are not Agency Salable.: Index: LIBOR - 1 Year (Daily); on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of Federal Compliance - CHARM Booklet Disclosure Timing: Consumer Handbook
Note Date: 02/XX/2021 application. on Adjustable Rate Mortgages, CHARM Booklet, not provided to the
[2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In borrower within three (3) days of application.
File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or
least three (3) business days prior to closing, and appraisal was not provided at or before closing. Before Closing (3-Day Waiver In File): Verification of appraisal was
(Type:Primary/01/XX/2021) delivered to borrower was not provided
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Sufficient Cure Provided: Flood Certification Fee was not disclosed on
Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7531) Loan Estimate but was disclosed as $XXX on the final CD. File does not a
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA valid COC for this fee cure provided at closing.
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX Federal Compliance - TRID Zero Percent Tolerance Violation Without
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) Sufficient Cure Provided: Credit Repot Fee was last disclosed $XXX on LE
but disclosed as$XXX on Final CD. File does not contain COC for this
file Cure provided at closing
649207506 XXX XXX 1 XXX $XXX CA 1/XX/2021 12/XX/2020 Primary Purchase Safe Harbor 2 B B B B [3] Income Documentation - REO Documents are missing.: Address: XXX, The documents provided within the loan file for the 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program Federal Compliance - ARM Disclosure Timing Test: The ARM Disclosure was REVIEWER - GENERAL COMMENT (2023/XX/30): Missing -
QM CA Other REO do not total the amount listed for expenses on disclosure not provided to the borrower within three (3) days of application. dated 12/XX/2020, more than three days from Applicaiton date of CHARM Booklet provided within 3 days of
[2] General - Loans with an application date after 10/XX/2020 using a the final signed 1003. Short $XXX. [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook 12/XX/2020. application.
LIBOR Index are not Agency Salable.: Index: LIBOR - 1 Year (Daily); Libor 1 Year Daily was reflected on the Note. Loans on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of Federal Compliance - CHARM Booklet Disclosure Timing: The CHARM Booklet
Note Date: 01/XX/2021 with an application date on or after 10/XX/2020 application. was dated 12/XX/2020, more than three days from Applicaiton date of
using a LIBOR Index are not Agency Salable. 12/XX/2020.
649208879 XXX XXX 2 XXX $XXX CA 8/XX/2020 7/XX/2020 Primary Purchase Non QM 2 B B B B [3] Asset Calculation / Analysis - Available for Closing is Borrower is short assets for closing and reserves. 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 REVIEWER - GENERAL COMMENT (2023/XX/30): Missing -
insufficient to cover Cash From Borrower.: Documented qualifying Borrower has insufficient assets to cover funds to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Creditor did not provide a copy of Signed/dated Initial 1003.
Assets for Closing of $XXX is less than Cash From Borrower $XXX. close and reserves. applicant three (3) business days prior to consummation. (Type:Primary/08/XX/2020) each valuation to applicant three (3) business days prior to
[3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Purchase Agreement missing in file. [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 consummation.
PITIA reserves months discrepancy.: Calculated PITIA months reserves [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account Application / Processing - Missing Document: Missing Lender's Initial
of XXX is less than Guideline PITIA months reserves of XXX. statement was not provided to the borrower. 1003: File is missing a fully executed initial 1003.
[3] Application / Processing - Missing Document: Purchase Agreement / [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Federal Compliance - RESPA - Initial Escrow Account Statement Missing:
Sales Contract not provided Loan Calculations: Final Closing Disclosure provided on 08/XX/2020 disclosed an inaccurate Finance Charge Initial Escrow Account Disclosure Missing in file.
on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Federal Compliance - TRID Final Closing Disclosure Finance Charge:
Charge calculation are based on Closing Disclosure dated 09/XX/2020). (Final/08/XX/2020) Disclosure reflects Finance Charge of $XXX but calculated Finance Charge
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated of $XXX. Variance = $XXX. Lender to provide corrected CD and copy of
Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to letter sent to borrower explaining changes.
closing. (Initial/08/XX/2020) Federal Compliance - TRID Initial Closing Disclosure Timing without
[2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Waiver: Closing Disclosure not provided to Borrower(s) at least three
Disclosure: Revised Loan Estimate provided on 08/XX/2020 not received by borrower at least four (4) (3) business days prior to closing
business days prior to closing. (Interim/08/XX/2020) Federal Compliance - TRID Revised Loan Estimate Timing Before Closing:
Revised Loan Estimate provided on 08/XX/2020 not received by borrower at
least four (4) business days prior to closing.
649207314 XXX XXX 2 XXX $XXX CA 3/XX/2015 2/XX/2015 Primary Refinance Temporary 2 B B B B 2 B B B B [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence -
Cash-out - SHQM locked prior to closing that the interest rate was locked prior to closing: The only Good Faith
Other (GSE/Agency [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within Estimate in file reflects the interest rate as not locked.
Eligible) 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement
Arrangement Disclosure to applicant within three (3) business days of application. Disclosure Not Provided Within 3 Business Days of Application: The
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Affiliated Business Arrangement Disclosure in file is dated 03/XX/2015
Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing which is more than 3 business days after the application date of
Disclosure Statement to applicant within three (3) business days of application. 02/XX/2015.
[2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure
Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure Statement Not Provided Within 3 Business Days of Application: The RESPA
to consumer. Servicing Disclosure in file is dated 03/XX/2015 which is more than 3
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance business days after the application date of 02/XX/2015.
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal
Disclosure Missing: Borrower was not provided with Right to Receive
Appraisal Disclosure.
Federal Compliance - Final TIL Finance Charge Under Disclosed:
Disclosure reflects Finance Charge of $XXX but calculated Finance Charge
of $XXX. Variance is $XXX. Lender to provide corrected TIL and copy of
letter sent to borrower explaining changes.
649207879 XXX XXX 1 XXX $XXX WA 9/XX/2015 6/XX/2015 Primary Refinance Safe Harbor 3 C C B B [3] Application / Processing - Missing Document: AUS not provided Missing AUS used at origination. 3 C C B B [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Federal Compliance - Check Loan Designation Match - QM: Failure due to TILA ATR/QM
Cash-out - QM [3] Credit Documentation - Missing Document: Occupancy Certificate Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan missing AUS used at origination.
Other not provided Designation of Safe Harbor QM. Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or
[2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In Before Closing (3-Day Waiver In File): Verification appraisal was
File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at delivered to borrower was not provided.
least three (3) business days prior to closing, and appraisal was not provided at or before closing. Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate:
(Type:Primary/06/XX/2015) Interest rate on the final GFE reflects XXX%, however the note rate is
[2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on XXX%.
GFE does not match Note. Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate:
[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment Payment on GFE reflects $XXX however the payment on the note is $XXX.
on GFE does not match actual payment on loan. Federal Compliance - Final TIL Finance Charge Under Disclosed: Finance
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance charge is under disclosed by $XXX. It appears the lender is not
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. including the Title premium sales tax fee in the prepaid finance
charges.
649207290 XXX XXX 1 XXX $XXX CA 6/XX/2016 4/XX/2016 Primary Refinance Temporary 1 A A A A [3] Guideline Issue - Employment was not verified within 10 days of Replacement Cost Estimator required. 1 A A A A -
Rate/Term SHQM the note date.: Borrower: XXX // Employment Type: Employment / Income
(GSE/Agency Type: Wages / Start Date: 11/XX/2013
Eligible) [3] Insurance Analysis - Insufficient Coverage: Hazard insurance
coverage amount is insufficient.
649206926 XXX XXX 1 XXX $XXX CA 5/XX/2015 3/XX/2015 Primary Refinance Temporary 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 -
Cash-out - SHQM Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: There is no evidence in file which
Other (GSE/Agency applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2015) shows that borrower received the valuation report prior 3 days of loan
Eligible) funding.
649208717 XXX XXX 1 XXX $XXX CA 10/XX/2015 9/XX/2015 Investment Purchase N/A 2 B B B B [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline The AUS used at origination is missing. 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 REVIEWER - GENERAL COMMENT (2023/XX/30): Missing -
Findings: All conditions were not met File does not contain documentation from Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Creditor did not provide a copy of Signed/dated Initial 1003.
[3] Missing Document - File does not contain documentation from lender/seller confirming the condo is warrantable. applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2015) each valuation to applicant three (3) business days prior to
lender/seller confirming the condo is warrantable.: Valuation Type: [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 consummation.
Appraisal / Valuation Report Date: 09/XX/2015 Application / Processing - Missing Document: Missing Lender's Initial
[3] Credit Documentation - Missing Document: Occupancy Certificate 1003: Initial signed & dated 1003 was not present in file.
not provided
649208365 XXX XXX 1 XXX $XXX CA 8/XX/2014 6/XX/2014 Primary Refinance Temporary 2 B B B B [3] Application / Processing - Missing Document: Fraud Report not Fraud report is required. 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 -
Rate/Term SHQM provided Fraud report is required. Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Evidence of borrower's receipt of
(GSE/Agency [3] Credit Documentation - No evidence of fraud report in file: applicant three (3) business days prior to consummation. (Type:Primary/06/XX/2014) the appraisal was not provided.
Eligible) Credit Report: Original // Borrower: XXX, Credit Report: Original // [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Application / Processing - Missing Document: Missing Lender's Initial
Borrower: XXX, Credit Report: Original // Borrower: XXX [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance 1003: File is missing signed/dated initial 1003
violation for 1203 fee without evidence of sufficient cure provided. Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without
Cure: Valid change of circumstance or sufficient cure is required.
649209053 XXX XXX 2 XXX $XXX CA 12/XX/2016 10/XX/2016 Primary Purchase Safe Harbor 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: E-Sign Consent Agreement is not provided. REVIEWER - 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - TRID Zero Percent Tolerance Violation Without -
QM Disclosure: E-Sign Consent Agreement File does not contain documentation from GENERAL COMMENT on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Sufficient Cure Provided: File does not contain a valid COC for this
[3] Missing Document - File does not contain documentation from lender/seller to verify it is confirming condo is (2023/XX/02): [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA fee, cure not provided at closing.
lender/seller confirming the condo is warrantable.: Valuation Type: warrantable or not. Trailing docs did Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of
Appraisal / Valuation Report Date: 11/XX/2016 DTI exceeds guidelines and borrower credit score is not contain any $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75103)
[3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: not high enough to qualify for the expanded DTI docs to clear
Investor qualifying total debt ratio discrepancy.: Calculated guidelines. this exception.
investor qualifying total debt ratio of XXX% exceeds Guideline total LTV exceeds guidelines and file does not meet REVIEWER -
debt ratio of 38.00000%. required credit score for increased LTV to XXX%. GENERAL COMMENT
[3] Mortgage / Program Eligibility - Guideline Requirement: Loan to Hazard insurance is missing for REO XXX, CA. (2023/XX/02):
value discrepancy.: Calculated loan to value percentage of XXX% File is missing a VVOE within 10 days for this Trailing docs did
exceeds Guideline loan to value percentage of 75.00000%. employment not contain any
[3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: docs to clear
PITIA reserves months discrepancy.: Calculated PITIA months reserves this exception.
of XXX is less than Guideline PITIA months reserves of XXX. REVIEWER -
[3] Income Documentation - REO Documents are missing.: Address: XXX, GENERAL COMMENT
CA Insurance Verification (2023/XX/02):
[3] Income Documentation - Verification(s) of employment is not Trailing docs did
within 10 business days of the Note.: Borrower: XXX // Employment not contain any
Type: Employment / Income Type: Wages / Start Date: 09/XX/2014 docs to clear
this exception.
649208621 XXX XXX 1 XXX $XXX CA 4/XX/2016 2/XX/2016 Primary Purchase Non QM 3 C C C C [3] Guideline Issue - Borrower has been on current job less than 2 File is missing a complete 2 year verified 3 C C C C [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Federal Compliance - Check Loan Designation Match - QM: Loan Designation TILA ATR/QM
years, and prior employment history was not documented as required.: employment history for the co-borrower. Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. determined to be Non QM due to missing employment verification for co-
Borrower: XXX // Employment Type: Employment / Income Type: Wages / HOI coverage is insufficient by $XXX. Provide [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history borrower as well as signed and dated business returns for the borrower.
Start Date: 11/XX/2014 updated policy reflecting minimum coverage of $XXX requirement not met. (XXX XXX/12402404) Federal Compliance - QM Employment History: Co-borrower previous
[3] Insurance Analysis - Insufficient Coverage: Hazard insurance OR provide copy of insurer's replacement cost [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated employment was not verified to confirm employment dates as required by
coverage amount is insufficient. estimate supporting current coverage amount. Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to Appendix Q.
closing. (Final/04/XX/2016) Federal Compliance - TRID Initial Closing Disclosure Timing without
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Waiver: Closing Disclosure not provided to Borrower(s) at least three
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Warehousing Fee. Fee Amount of $XXX exceeds (3) business days prior to closing.
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75209) Federal Compliance - TRID Zero Percent Tolerance Violation Without
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Sufficient Cure Provided: Warehousing fee was not disclosed on Loan
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Estimate. Title fee added on CD and disclosed in Sec B and paid to a
Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7563) different company than title fees disclosed in Sec C making them subject
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA to 0% tolerance testing. File does not contain a valid COC for this fee,
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. nor evidence of cure. Provide a post-close CD disclosing the tolerance
Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. cure to include $XXX, a copy of refund check, proof of delivery, and a
(75206) copy of the letter of explanation sent to the borrower disclosing the
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA changes made.
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX Federal Compliance - TRID Zero Percent Tolerance Violation Without
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) Sufficient Cure Provided: Title- Document Prep Fee was not disclosed on
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Loan Estimate. Title fee added on CD and disclosed in Sec B and paid to
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Loan Tie-In Fee. Fee Amount of $XXX a different company than title fees disclosed in Sec C making them
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75190) subject to 0% tolerance testing. File does not contain a valid COC for
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA this fee, nor evidence of cure. Provide a post-close CD disclosing the
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Electronic Document Delivery Fee. tolerance cure to include $XXX a copy of refund check, proof of
Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. delivery, and a copy of the letter of explanation sent to the borrower
(75188) disclosing the changes made.
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Sufficient Cure Provided: Title- Wire was not disclosed on Loan
Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. Estimate. Title fee added on CD and disclosed in Sec B and paid to a
(75187) different company than title fees disclosed in Sec C making them subject
to 0% tolerance testing. File does not contain a valid COC for this fee,
nor evidence of cure. Provide a post-close CD disclosing the tolerance
cure to include $XXX a copy of refund check, proof of delivery, and a
copy of the letter of explanation sent to the borrower disclosing the
changes made.
Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit
Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX.No cure was
provided to the borrower.
Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: Title- Loan Tie-In was not disclosed on Loan
Estimate. Title fee added on CD and disclosed in Sec B and paid to a
different company than title fees disclosed in Sec C making them subject
to 0% tolerance testing. File does not contain a valid COC for this fee,
nor evidence of cure. Provide a post-close CD disclosing the tolerance
cure to include $XXX a copy of refund check, proof of delivery, and a
copy of the letter of explanation sent to the borrower disclosing the
changes made.
Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: Title- Electronic Delivery was not disclosed
on Loan Estimate. Title fee added on CD and disclosed in Sec B and paid
to a different company than title fees disclosed in Sec C making them
subject to 0% tolerance testing. File does not contain a valid COC for
this fee, nor evidence of cure. Provide a post-close CD disclosing the
tolerance cure to include $XXX a copy of refund check, proof of
delivery, and a copy of the letter of explanation sent to the borrower
disclosing the changes made.
Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: Title- Courier Fee was not disclosed on Loan
Estimate. Title fee added on CD and disclosed in Sec B and paid to a
different company than title fees disclosed in Sec C making them subject
to 0% tolerance testing. File does not contain a valid COC for this fee,
nor evidence of cure. Provide a post-close CD disclosing the tolerance
cure to include $XXX a copy of refund check, proof of delivery, and a
copy of the letter of explanation sent to the borrower disclosing the
changes made.
649207610 XXX XXX 2 XXX $XXX CA 6/XX/2017 5/XX/2017 Primary Refinance Non QM 2 B B B B [3] Insurance Analysis - Insufficient Coverage: Hazard insurance 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided Federal Compliance - ARM Disclosure Timing Test: Unable to determine if -
Cash-out - coverage amount is insufficient. within three (3) days of application due to missing information. ARM disclosure was provided within three (3) days of application due to
Other [3] Income Documentation - REO Documents are missing.: Address: XXX, [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook missing information.
CA, Address: XXX, CA, Address: XXX, CA Insurance Verification, Tax on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Federal Compliance - CHARM Booklet Disclosure Status: Consumer Handbook
Verification [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to on Adjustable Rate Mortgages, CHARM Booklet, not provided to the
Statement Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to borrower.
Lease Agreement, Statement applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2017) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
[2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Business Days Prior to Consummation: Creditor did not provide a copy of
Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application each valuation to applicant three (3) business days prior to
Date 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 03/XX/2017. (XXX XXX/S- consummation. (Type:Primary/05/XX/2017)
Corp) Federal Compliance - Self-Employed Tax Return Recency - ATR: Self
[2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are
Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application not the most recent. Application Date 05/XX/2017, Most Recent Tax Return
Date 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX End Date 12/XX/2015, Tax Return Due Date 03/XX/2017. (XXX XXX/S-Corp)
XXX/Schedule C) Federal Compliance - Self-Employed Tax Return Recency - ATR: Self
Employed Tax Returns - The business or personal tax returns provided are
not the most recent. Application Date 05/XX/2017, Most Recent Tax Return
End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX XXX/Schedule
C)
649207928 XXX XXX 2 XXX $XXX CA 9/XX/2017 8/XX/2017 Primary Purchase Non QM 2 B B B B [3] Income Documentation - Income Docs Missing:: Borrower: XXX Per lender guides, a year to date Balance Sheet 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided Federal Compliance - ARM Disclosure Timing Test: Date of disclosure or -
Balance Sheet through the most recent quarter prior to the note within three (3) days of application due to missing information. evidence of when borrower received the disclosure is missing.
[3] General - Missing Document: HELOC Agreement not provided date is required however is missing. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - CHARM Booklet Disclosure Status: Consumer Handbook
[3] Mortgage / Program Eligibility - Missing Document: Note - The Heloc agreement for the 2nd lien is missing on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. on Adjustable-Rate Mortgages, CHARM Booklet, not provided to the
Subordinate Lien not provided from the file. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to borrower.
Second mortgage Note is mssing. Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
applicant three (3) business days prior to consummation. (Type:Primary/08/XX/2017) Business Days Prior to Consummation: Evidence of borrowers receipt of
[2] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA-RESPA the appraisal prior to closing was not provided.
Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 09/XX/2017 incorrectly Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow
disclosed whether the loan will have an escrow account. (Final/09/XX/2017) - Reason: Violation was cured on the PCCD dated 03/XX/2018, however for
a full remediation cure, a copy of the letter to the borrower explaining
the error is required, however is missing from the file.
649206993 XXX XXX 2 XXX $XXX CA 6/XX/2016 5/XX/2016 Primary Purchase Safe Harbor 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: E-sign Consent Agreement is missing in the file. 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program Federal Compliance - ARM Disclosure Timing Test: The file was missing a -
QM Disclosure: E-Sign Consent Agreement disclosure not provided to the borrower within three (3) days of application. copy of the executed ARM Disclosure or proof of the borrower's receipt
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook within 3 days of originator application date.
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Federal Compliance - CHARM Booklet Disclosure Status: The file was
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to missing a copy of the executed ARM Disclosure or proof of the borrower's
Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to receipt within 3 days of originator application date.
applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2016) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
[2] Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: TILA-RESPA Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank
Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 06/XX/2016 2014): Creditor did not provide a copy of each valuation to applicant
disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the three (3) business days prior to consummation.
loan. (Final/06/XX/2016) Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent
[2] Federal Compliance - TRID Final Closing Disclosure Contact Information - Lender: TILA-RESPA Integrated Change Frequency: Adjustable Interest Rate Table: Final Closing
Disclosure - Contact Information: Final Closing Disclosure provided on 06/XX/2016 did not disclose the Disclosure provided on 06/XX/2016 disclosed a Subsequent Changes
required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). frequency that does not match the actual subsequent change frequency for
(Final/06/XX/2016) the loan.
[2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every: TILA-RESPA Integrated Federal Compliance - TRID Final Closing Disclosure Contact Information -
Disclosure - Loan Terms: Final Closing Disclosure provided on 06/XX/2016 with an increasing payment did not Lender: The Contact Information section of the final CD did not disclose
disclose the frequency of adjustments. (Final/06/XX/2016) the Lender's Contact.
[2] Federal Compliance - TRID Final Closing Disclosure Product Testing: TILA-RESPA Integrated Disclosure - Federal Compliance - TRID Final Closing Disclosure Payment Adjusts
General Information: Final Closing Disclosure provided on 06/XX/2016 disclosed a Product that does not Every: Final Closing Disclosure provided on 06/XX/2016 with an
match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an increasing payment did not disclose the frequency of adjustments
adjustable rate or adjustable payment with incorrect Product disclosure. (Final/06/XX/2016) Federal Compliance - TRID Final Closing Disclosure Product Testing:
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Final Closing Disclosure provided on 06/XX/2016 disclosed a Product that
Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to does not match the actual product for the loan
closing. (Initial/06/XX/2016) Federal Compliance - TRID Initial Closing Disclosure Timing without
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Waiver: Closing Disclosure not provided to Borrower(s) at least three
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds (3) business days prior to closing.
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: Integrated Disclosure: Zero Percent Fee
Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX Insufficient
or no cure was provided.
649208626 XXX XXX 1 XXX $XXX CA 6/XX/2015 4/XX/2015 Primary Refinance Non QM 3 C C C C [3] Appraisal As Per 3 C C C C [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Federal Compliance - Check Loan Designation Match - QM: Average Monthly TILA ATR/QM
Cash-out - Data Integrity Appraiser's Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Income YTD not provided in file.
Other - Appraiser's license [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds Federal Compliance - QM DTI: DTI meets the 42% when the bonus is
license or Certificate 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the calculated at two years. Because there is no bonus income for the
certification Effective date appropriate agency. current year it needed to be calculated at two years plus year to date.
was not active is 05/XX/2015. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
at the time of Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Creditor did not provide a copy of
the applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2015) each valuation to applicant three (3) business days prior to
appraisal.: consummation.
Valuation
Type:
Appraisal /
Valuation
Report Date:
05/XX/2015
649207164 XXX XXX 2 XXX $XXX CA 4/XX/2016 3/XX/2016 Primary Purchase Safe Harbor 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent Most Recent Valuation Inspection Date: XX/XX/XXXX BUYER - GENERAL 2 B B B B [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account Federal Compliance - RESPA - Initial Escrow Account Statement Missing: -
QM valuation inspection is dated prior to the most recent FEMA Disaster End Date: XX/XX/XXXX COMMENT statement was not provided to the borrower. Initial escrow account statement was not provided to the borrower
disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX Disaster Name: XXX (2023/XX/XX): [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure missing in file
Disaster End Date: XX/XX/XXXX Disaster Declaration Date: XX/XX/XXXX Utilized updated - Loan Calculations: Final Closing Disclosure provided on 04/XX/2016 disclosed an inaccurate Total of Federal Compliance - TRID Final Closing Disclosure Total Of Payments:
Disaster Name: XXX BPO to access no Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in Post closing CD cured the violation, however for a full remediation, a
Disaster Declaration Date: XX/XX/XXXX damage at TOP calculation are based on Closing Disclosure dated 04/XX/2016). The disclosed Total of Payments in the copy of the letter to the borrower explaining the error would be
property amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which required.
REVIEWER - exceeds the $XXX per month threshold. (Final/04/XX/2016)
GENERAL COMMENT
(2023/XX/01): BPO
inspector unable
to access
property to
determine
condition.
Finding remains
open.
649207305 XXX XXX 1 XXX $XXX CA 11/XX/2019 10/XX/2019 Primary Purchase Safe Harbor 2 B B B B [3] Asset Eligibility - Asset Verification Level is less than 4.: Copy of note, or heloc agreement of secondary 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program Federal Compliance - ARM Disclosure Timing Test: ARM Disclosure not -
QM Borrower: XXX, Borrower: XXX Asset Verification Level: Level 2- financing is not in file. disclosure not provided to the borrower within three (3) days of application. provided within three (3) days of application
Stated/Not Verified condo warrantable document is missing [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet
Asset Verification Level: Level 2-Stated/Not Verified on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Disclosure Status is missing
[3] Missing Document - File does not contain documentation from [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
lender/seller confirming the condo is warrantable.: Valuation Type: Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Evidence of appraisal delivery
Appraisal / Valuation Report Date: 10/XX/2019 applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2019) within 3 days of closing is not in file.
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Application / Processing - Missing Document: Missing Lender's Initial
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA 1003: Initial Loan application is missing from file.
Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations Federal Compliance - RESPA Disclosure - List of Homeownership Counseling
to borrower. Organizations Missing: List of Homeownership Counseling Organizations to
borrower is missing
649207683 XXX XXX 1 XXX $XXX CA 4/XX/2015 12/XX/2014 Primary Purchase Safe Harbor 2 B B B B [3] Asset Calculation / Analysis - Available for Closing is The $XXX gift was deposited into borrower's bank REVIEWER - 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet is -
QM insufficient to cover Cash From Borrower.: Documented qualifying account in 2014 and the EMD is unsourced. GENERAL COMMENT disclosure not provided to the borrower within three (3) days of application. missing in the file.
Assets for Closing of $XXX is less than Cash From Borrower $XXX. Condo Warranty Document is required. (2023/XX/02): [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Application / Processing - Missing Document: Missing Lender's Initial
[3] Missing Document - File does not contain documentation from The calculated dti exceeds max allowable dti of Trailing docs did on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. 1003: Initial 1003 is missing in the file.
lender/seller confirming the condo is warrantable.: Valuation Type: 38%. not contain any [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without
Appraisal / Valuation Report Date: 03/XX/2015 Work Number Employment is post note dated and Work docs to clear Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Cure: GFE states fee as $XXX and HUD states fee as $XXX Variance is of
[3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Number Income is more than 10 days of Note. this exception. applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2015) $XXX & 0.00505%.
Investor qualifying total debt ratio discrepancy.: Calculated REVIEWER - [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal
investor qualifying total debt ratio of XXX% exceeds Guideline total GENERAL COMMENT [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance Disclosure Missing: Creditor did not provide "Right to Receive a Copy"
debt ratio of 38.00000%. (2023/XX/02): violation for 1203 fee without evidence of sufficient cure provided. appraisal disclosure to consumer.
[3] Income Documentation - Verification(s) of employment is not Trailing docs did [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum
within 10 business days of the Note.: Borrower: XXX // Employment not contain any Creditor did not provide HUD Settlement Cost Booklet. Ever Change Date Inaccurate: The "Maximum Ever" date on the Final TIL is
Type: Employment / Income Type: Wages / Start Date: 01/XX/2009 docs to clear [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing: ECOA 06/XX/2024.
this exception. Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure
REVIEWER - to consumer.
GENERAL COMMENT [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate:
(2023/XX/02): Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest
Trailing docs did date on which the maximum rate may apply.
not contain any
docs to clear
this exception.
649208141 XXX XXX 2 XXX $XXX CA 1/XX/2019 11/XX/2018 Primary Refinance ATR Risk 3 C C C C [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: DTI exceeds maximum due to qualification method. 3 C C C C [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Federal Compliance - Check Loan Designation Match - ATR Risk: Client REVIEWER - GENERAL COMMENT (2023/XX/30): Missing TILA ATR/QM
Cash-out - Investor qualifying total debt ratio discrepancy.: Calculated Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. elects to restate loan designation to Non QM. CHARM Booklet provided within 3 days of
Debt investor qualifying total debt ratio of XXX% exceeds Guideline total [3] Federal Compliance - General ATR Provision Investor and Non QM DTIs match and both moderately exceed Federal Compliance - CHARM Booklet Disclosure Status: Consumer Handbook application.
Consolidation debt ratio of 43.00000%. Guidelines: Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders on Adjustable Rate Mortgages, CHARM Booklet, not provided to the
Guidelines and 1026.43(c)(5) of 44.47497% moderately exceeds the guideline maximum of 43.00%. (DTI borrower
Exception is eligible to be regraded with compensating factors.) Federal Compliance - FACTA Disclosure Missing: FACTA disclosure document
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook not provided
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Federal Compliance - Federal Loan Originator Compensation - Individual
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA LO Not NMLS Licensed at Time of Application: Individual Loan Originator
Credit Score Disclosure. not NMLS licensed or registered at time of application.
[2] Federal Compliance - Federal Loan Originator Compensation - Individual LO Not NMLS Licensed at Time of Federal Compliance - TRID Final Closing Disclosure Payment Adjusts
Application: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not NMLS licensed or Every: Final Closing Disclosure provided on 01/XX/2019 with an
registered at time of application. increasing payment disclosed the frequency of adjustments that does not
[2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every: TILA-RESPA Integrated match the actual adjustment period for the loan
Disclosure - Loan Terms: Final Closing Disclosure provided on 01/XX/2019 with an increasing payment Federal Compliance - TRID Loan Estimate Timing: Loan Estimate not
disclosed the frequency of adjustments that does not match the actual adjustment period for the loan. delivered or placed in the mail to Borrower(s) within three (3) business
(Final/01/XX/2019) days of application
[2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not Federal Compliance - TRID Zero Percent Tolerance Violation Without
delivered or placed in the mail to Borrower(s) within three (3) business days of application. Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Title
(Initial/11/XX/2018) - Endorsement Fee. Fee Amount of $XXX exceeds tolerance of $XXX
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXX Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Title
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7564) - Recording Service Fee. Fee Amount of $XXX exceeds tolerance of $XXX
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Loan
of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75197) Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200)
649206892 XXX XXX 2 XXX $XXX CA 9/XX/2020 9/XX/2020 Primary Purchase Safe Harbor 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: E-sign Consent Agreement is missing in this loan [3] Appraisal 2 B B B B [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or -
QM Disclosure: E-Sign Consent Agreement file. Documentation File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at Before Closing (3-Day Waiver In File): Borrower waived right to receive
[3] Asset Documentation - Guideline Issue:Insufficient asset Two months required per guidelines. - Missing least three (3) business days prior to closing, and appraisal was not provided at or before closing. a copy of the appraisal at least three (3) business days prior to
documentation.: Financial Institution: XXX // Account Type: Savings / Document: (Type:Primary/09/XX/2020) closing, and appraisal was not provided at or before closing.
Account Number: XXX Appraisal was [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Federal Compliance - RESPA Disclosure - List of Homeownership Counseling
made "subject Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations Organizations Missing: Creditor did not provide List of Homeownership
to" and Form to borrower. Counseling Organizations to borrower.
1004D/442 was [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Federal Compliance - TRID Initial Closing Disclosure Timing without
not provided.: Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to Waiver: Closing Disclosure not provided to Borrower(s) at least three
Valuation closing. (Initial/09/XX/2020) (3) business days prior to closing.
Type: [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without
Appraisal / Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for
Valuation tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX.
Report Date: Insufficient or no cure was provided to the borrower.
09/XX/2020
649209146 XXX XXX 1 XXX $XXX CA 12/XX/2018 11/XX/2018 Primary Refinance Non QM 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: Verbal Verification of Employment & Paystubs for REVIEWER - 2 B B B B [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay Federal Compliance - Check Restated Loan Designation Match - General GENERAL COMMENT (2023/XX/18): VVOE for intel not -
Cash-out - Disclosure: E-Sign Consent Agreement XXX, Award Letter and Third Party Verification for GENERAL COMMENT (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Ability to Repay: Loan was re designated to non qm required as this is pension income, not wages. Business
Debt [3] Income Documentation - Income Docs Missing:: Borrower: XXX, XXX with Year 2017 Signed and Dated 1040- Schedule (2023/XX/XX): Designation of Non QM matches the Due Diligence Loan Designation of Non QM. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 license for Scorp in file. All 1040s/1120S's were
Consolidation Borrower: XXX Third Party Verification C are missing in the file. EXCEPTION HISTORY [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Business Days Prior to Consummation: Verification appraisal was signed as part of the closing package.
Paystubs, VVOE - Employment Only - Exception Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to delivered to borrower was not provided.
Explanation was applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2018) Federal Compliance - TRID Initial Closing Disclosure Timing without GENERAL COMMENT (2023/XX/25): Agree with error
updated on [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Waiver: Closing Disclosure Sign and Date Captured as 12/XX/2018 from
06/XX/2023 PRIOR Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to Page 5.
Exception closing. (Initial/12/XX/2018) Federal Compliance - TRID Zero Percent Tolerance Violation Without
Explanation: 1040 [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Sufficient Cure Provided: Loan Discount Points Fee was not disclosed on
- Schedule C Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX LE but disclosed as $XXX on Final Closing Disclosure. File does not
(2017), K-1 exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) contain a valid COC for this fee, nor evidence of cure in file.
(2016), Third
Party
Verification, W-2
(2017)
VVOE - Employment
Only
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Missing P&L and
balance sheets
for Sch C income,
third party
verification for
S-Corp, and pay
stubs and vvoe
for wage income.
SELLER - GENERAL
COMMENT
(2023/XX/XX):
VVOE for intel
not required as
this is pension
income, not
wages. Business
license for Scorp
in file. All
1040s/1120S's
were signed as
part of the
closing package.
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Trailing docs did
not contain any
docs to clear
this exception.
SELLER - GENERAL
COMMENT
(2023/XX/XX):
Agree with error
REVIEWER -
GENERAL COMMENT
(2023/XX/XX): No
supporting
trailing
documentation was
provided to clear
this exception.
Exception
remains.
649206831 XXX XXX 2 XXX $XXX CA 7/XX/2014 6/XX/2014 Investment Refinance N/A 2 B B B B [3] Guideline Issue - Aged document: Asset Account date is more than File is missing an updated consecutive bank 2 B B B B [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Application / Processing - Missing Document: Missing Lender's Initial -
Rate/Term 90 days prior to Closing.: Financial Institution: XXX // Account statement for this account. Account is required to [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided 1003: File is missing signed/dated initial application
Type: Savings / Account Number: XXX cover reserves. Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal
[3] Missing Document - File does not contain documentation from Hazard coverage of $XXX is insufficient to cover appraisal disclosure to applicant within three (3) business days of application or determination of first Disclosure Not Provided Timely: File is missing a signed/dated initial
lender/seller confirming the condo is warrantable.: Valuation Type: the loan amount of $XXX. lien status. appraisal disclosure dated within 3 business days of the application
Appraisal / Valuation Report Date: 07/XX/2014 File is missing current mortgage statements for
[3] Insurance Analysis - Insufficient Coverage: Hazard insurance these 2 properties.
coverage amount is insufficient.
[3] Income Documentation - REO Documents are missing.: Address: XXX,
CA, Address: XXX, CA Statement
Statement
649207022 XXX XXX 2 XXX $XXX CA 6/XX/2017 5/XX/2017 Primary Purchase Safe Harbor 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program Federal Compliance - ARM Disclosure Status Test: ARM Disclosure is REVIEWER - GENERAL COMMENT (2023/XX/30): Missing -
QM disclosure not provided to the borrower. missing. CHARM Booklet provided within 3 days of
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet application.
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Disclosure is missing.
[2] Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the Federal Compliance - ECOA Appraisal Disclosure - ECOA Timing:
consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the Verification of appraisal delivery to borrower was not provided.
loan application date. Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Business Days Prior to Consummation: The updated appraisal was received
Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to on the day of closing and no waiver for timing receipt in file.
applicant three (3) business days prior to consummation. (Type:Primary/06/XX/2017) Federal Compliance - RESPA Disclosure - List of Homeownership Counseling
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Organizations Not Provided Within 3 Business Days of Application: List
Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership of Homeownership Counseling disclosure was not provided within three
Counseling Organizations not provided to applicant within three (3) business days of application. days of application.
[2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not Federal Compliance - TRID Loan Estimate Timing: Initial application date
delivered or placed in the mail to Borrower(s) within three (3) business days of application. 5/XX/2017, Loan estimate is 5/XX/2017 which not placed within three days
(Initial/05/XX/2017) of application.
[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Ten Percent Tolerance Violation Without
Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX Sufficient Cure Provided: 10% tolerance was exceeded by $XXX due to
plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) increase of recording fee. No valid COC provided, nor evidence of cure
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA in file. Provide a post-close CD disclosing the tolerance cure to
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX include $XXX, a copy of refund check, proof of delivery, and a copy of
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) the letter of explanation sent to the borrower disclosing the changes
made.
Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit
Report Fee.
649207003 XXX XXX 1 XXX $XXX CA 9/XX/2017 7/XX/2017 Primary Refinance Non QM 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Application / Processing - Missing Document: Missing Lender's Initial REVIEWER - GENERAL COMMENT (2023/XX/25): Missing -
Cash-out - Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to 1003: Lender's Initial signed/dated 1003 is missing in the file. signed and dated initial application.
Other applicant three (3) business days prior to consummation. (Type:Primary/08/XX/2017) Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Closing Disclosure provided on 09/XX/2017 disclosed Finance Charge as
[2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - $XXX However Calculated Finance Charge is $XXX Variance is of -$XXX.
Loan Calculations: Final Closing Disclosure provided on 09/XX/2017 disclosed an inaccurate Finance Charge Unable to determine cause for under disclosure due to missing the final
on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance itemization of amount financed.
Charge calculation are based on Closing Disclosure dated 09/XX/2017). (Final/09/XX/2017)
649208650 XXX XXX 2 XXX $XXX CA 12/XX/2016 11/XX/2016 Primary Refinance Safe Harbor 2 B B B B [3] Miscellaneous - Credit Exception: Provide corrected 1003 removing co-borrower's 2 B B B B [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or -
Cash-out - QM [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: income not being used to qualify. File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at Before Closing (3-Day Waiver In File): Borrower waived right to receive
Home Combined loan to value discrepancy.: Calculated combined loan to The calculated LTV/CLTV exceeds guideline max of least three (3) business days prior to closing, and appraisal was not provided at or before closing. a copy of the appraisal at least three (3) business days prior to
Improvement value percentage of XXX% exceeds Guideline combined loan to value 80/80. (Type:Primary/12/XX/2016) closing, and appraisal was not provided at or before closing.
percentage of 80.00000%. The calculated LTV/CLTV exceeds guideline max of [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Federal Compliance - QM Employment History - Current and/or Previous
[3] Mortgage / Program Eligibility - Guideline Requirement: Loan to 80/80. Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment Employment Documentation lacks Date Info: Missing Employment Dates to
value discrepancy.: Calculated loan to value percentage of XXX% HOI coverage is insufficient by $XXX. Provide history for current and/or prior employment. (XXX/12402117) verify two years employment history for current and/or prior employment.
exceeds Guideline loan to value percentage of 80.00000%. updated policy reflecting minimum coverage of $XXX
[3] Insurance Analysis - Insufficient Coverage: Hazard insurance OR provide copy of insurer's replacement cost
coverage amount is insufficient. estimate supporting current coverage amount.
[3] Application / Processing - Missing Document: Flood Certificate Missing Document: Flood Certificate not provided in
not provided loan file
649207300 XXX XXX 2 XXX $XXX CA 4/XX/2019 2/XX/2019 Primary Refinance Safe Harbor 2 B B B B [3] Insurance Analysis - Insufficient Coverage: Hazard insurance HOI coverage is insufficient by $XXX. Coverage 2 B B B B [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or -
Cash-out - QM coverage amount is insufficient. must be at least the lessor of the Cost new from File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at Before Closing (3-Day Waiver In File): Verification appraisal was
Other [3] Application / Processing - Missing Document: Fraud Report not the appraisal or the loan amount. Provide least three (3) business days prior to closing, and appraisal was not provided at or before closing. delivered to borrower was not provided.
provided verification of policy with sufficient coverage OR (Type:Primary/03/XX/2019) Federal Compliance - TRID Zero Percent Tolerance Violation Without
[3] Credit Documentation - No evidence of fraud report in file: provide copy of insurer's replacement cost estimate [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Tax
Credit Report: Original // Borrower: XXX supporting current coverage amount. Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount Service Fee (Life Of Loan). Fee Amount of $XXX exceeds tolerance of
[3] Credit Documentation - No evidence of fraud report in file: Fraud Report is missing for both borrowers. of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7580) $XXX. Insufficient or no cure was provided to the borrower.
Credit Report: Original // Borrower: XXX Fraud Report is missing for both borrowers.
Credit report missing for both borrowers.
649206907 XXX XXX 1 XXX $XXX CA 8/XX/2017 7/XX/2017 Primary Purchase Non QM 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: 0.82 months reserves is less than 6 months required 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided Federal Compliance - ARM Disclosure Timing Test: SRM Disclosure does not -
Disclosure: E-Sign Consent Agreement within three (3) days of application due to missing information. indicate a document date or date received.
[3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - TRID Initial Closing Disclosure Timing without
PITIA reserves months discrepancy.: Calculated PITIA months reserves on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Waiver: Initial Closing Disclosure dated 8/XX/2017 received by Borrower
of XXX is less than Guideline PITIA months reserves of XXX. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to on 8/XX/2017 past 8/XX/2017 (8/XX/2017 closing date less 3). Closing
Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Disclosure is not signed by Borrower.
applicant three (3) business days prior to consummation. (Type:Primary/08/XX/2017)
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account
statement was not provided to the borrower.
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated
Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to
closing. (Initial/08/XX/2017)
649207531 XXX XXX 1 XXX $XXX CA 6/XX/2017 5/XX/2017 Primary Purchase Safe Harbor 2 B B B B [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline The borrower is a first time home buyer and the 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - CHARM Booklet Disclosure Status: The file was REVIEWER - GENERAL COMMENT (2023/XX/30): Missing -
QM Findings: All conditions were not met guidelines require a 12 month rental payment on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. missing evidence the CHARM Booklet was provided to borrower within 3 CHARM Booklet provided within 3 days of
[3] Credit Documentation - The Verification of Rent (VOR) / history, which is missing from the loan file. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to days of initial application. application.
Verification of Mortgage (VOM) is required and was not found in file. The borrower is a first time home buyer and the Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
guidelines require a 12 month rental payment applicant three (3) business days prior to consummation. (Type:Primary/06/XX/2017) Business Days Prior to Consummation: Verification appraisal was
history, which is missing from the loan file. [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated delivered to borrower three days prior to closing was not provided.
Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to Federal Compliance - TRID Initial Closing Disclosure Timing without
closing. (Initial/06/XX/2017) Waiver: Evidence of earlier borrower receipt was not found in file.
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX Sufficient Cure Provided: Loan Discount Points was last disclosed as
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File does
not contain a valid COC for this fee, nor evidence of cure in file.
Provide a post-close CD disclosing the tolerance cure to include $XXX, a
copy of refund check, proof of delivery, and a copy of the letter of
explanation sent to the borrower disclosing the changes made.
649207271 XXX XXX 2 XXX $XXX CA 7/XX/2017 6/XX/2017 Primary Purchase Non QM 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: Require E-Sign Consent Agreement. 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 REVIEWER - GENERAL COMMENT (2023/XX/15): The EV2 -
Disclosure: E-Sign Consent Agreement Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: No proof of appraisal being sent to exception is for informational purposes. The
applicant three (3) business days prior to consummation. (Type:Primary/06/XX/2017) borrower 3 days prior to closing. reason for the exception is due to the recency
[2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Federal Compliance - Self-Employed Tax Return Recency - ATR: 2016 tax of the tax returns provided.
Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application return with all Schedules not provided. Only tax return extension was REVIEWER - GENERAL COMMENT (2023/XX/15): The EV2
Date 06/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX provided, causing the loan to waterfall through the QM Testing. exception is for informational purposes. The
XXX/Schedule K-1 less than 25 Percent) Federal Compliance - Self-Employed Tax Return Recency - ATR: 2016 tax reason for the exception is due to the recency
[2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self return with all Schedules not provided. Only tax return extension was of the tax returns provided.
Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application provided, causing the loan to waterfall through the QM Testing. REVIEWER - GENERAL COMMENT (2023/XX/15): The EV2
Date 06/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX Federal Compliance - Self-Employed Tax Return Recency - ATR: 2016 tax exception is for informational purposes. The
XXX/Schedule K-1 less than 25 Percent) return with all Schedules not provided. Only tax return extension was reason for the exception is due to the recency
[2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self provided, causing the loan to waterfall through the QM Testing. of the tax returns provided.
Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Federal Compliance - TRID Initial Closing Disclosure Timing without
Date 06/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX Waiver: The Initial Closing Disclosure provided on 07/XX/2017 was not
XXX/Schedule K-1 less than 25 Percent) provided at least 3 days prior to closing date of 07/XX/2017.
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated
Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to
closing. (Initial/07/XX/2017)
649207549 XXX XXX 2 XXX $XXX CA 7/XX/2017 5/XX/2017 Primary Purchase ATR Risk 3 C C C C [3] Guideline Issue - Aged document: Asset Account date is more than An updated consecutive (04/2017) statement for both BUYER - GENERAL 3 C C C C [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Federal Compliance - Check Loan Designation Match - ATR Risk: Failure SELLER - GENERAL COMMENT (2023/XX/18): Assets GENERAL COMMENT (2023/XX/18): Assets used in qualifying TILA ATR/QM
90 days prior to Closing.: Financial Institution: XXX // Account accounts would be required to meet reserve COMMENT Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. due to age of document for asset documentation. used in qualifying are all updated and dated are all updated and dated May-June with Note date
Type: Stocks / Account Number: XXX, Financial Institution: XXX // requirements and lender guides. (2023/XX/XX): ATR [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd- Federal Compliance - General Ability To Repay Provision Investor May-June with Note date 7/XX/2017 meeting age of 7/XX/2017 meeting age of document requirements
Account Type: 401(k)/403(b) Account / Account Number: XXX 2 of the accounts required and used by lender Related Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Guidelines: Failure due to age of docs for assets. Required to cover document requirements
[3] Asset Documentation - Asset documentation requirements not met. exceeds the 90 day age of document per lender REVIEWER - [3] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank reserve requirements. REVIEWER - GENERAL COMMENT (2023/XX/22): GENERAL COMMENT (2023/XX/18): Unable to locate the
[3] Missing Document - E-sign Consent Agreement is missing.: guides. GENERAL COMMENT 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Trailing Activity printout dated 07/XX/20217 source of the $XXX deposit
Disclosure: E-Sign Consent Agreement The source of the large deposit into the Keypoint (2023/XX/XX): No in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating Asset accounts used by lender and required to meet reserves exceeds the provided. Print out does not reflect XXX,
[3] Income Documentation - Large deposits were not sourced and/or account in the amount of 20,054.79 was not provided new documentation factors.) 90 day age of documentation requirement per lender guides. Borrower's Name, Account Number and/or Start and GENERAL COMMENT (2023/XX/18): Assets used in qualifying
letter of explanation was not provided. in the loan file. provided, [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - TRID Zero Percent Tolerance Violation Without End Date. Most recent XXX Employee Stock Plan are all updated and dated May-June with Note date
exception on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Sufficient Cure Provided: Missing a valid Change of Circumstance. Final Account provided for periods 01/XX/2017 - 7/XX/2017 meeting age of document requirements
remains. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Closing Disclosure does not disclose a Lender cure credit. 03/XX/2017. Exception remains.
REVIEWER - Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $XXX REVIEWER - GENERAL COMMENT (2023/XX/15): Updated GENERAL COMMENT (2023/XX/18): Assets used in qualifying
GENERAL COMMENT exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7564) statement was not provided in the trailing docs. are all updated and dated May-June with Note date
(2023/XX/XX): condition remains. 7/XX/2017 meeting age of document requirements
Only current SELLER - GENERAL COMMENT (2023/XX/25): Agree
statement was with error. GENERAL COMMENT (2023/XX/18): Assets used in qualifying
provided for XXX. REVIEWER - GENERAL COMMENT (2023/XX/27): are all updated and dated May-June with Note date
Condition Reviewed trailing documentation. Documents 7/XX/2017 meeting age of document requirements
remains. necessary to clear the conditions were not
REVIEWER - provided. Exception remains. GENERAL COMMENT (2023/XX/25): Agree with error.
GENERAL COMMENT SELLER - GENERAL COMMENT (2023/XX/18): Assets
(2023/XX/XX): used in qualifying are all updated and dated GENERAL COMMENT (2023/XX/25): Agree with error.
Trailing Activity May-June with Note date 7/XX/2017 meeting age of
printout dated document requirements GENERAL COMMENT (2023/XX/25): Agree with error.
07/XX/20217 REVIEWER - GENERAL COMMENT (2023/XX/22):
provided. Print Trailing Activity printout dated 07/XX/20217 GENERAL COMMENT (2023/XX/25): Agree with error.
out does not provided. Print out does not reflect XXX,
reflect XXX, Borrower's Name, Account Number and/or Start and GENERAL COMMENT (2023/XX/25): Agree with error.
Borrower's Name, End Date. Most recent XXX Employee Stock Plan
Account Number Account provided for periods 01/XX/2017 -
and/or Start and 03/XX/2017. Exception remains.
End Date. Most REVIEWER - GENERAL COMMENT (2023/XX/15): Updated
recent XXX statement was not provided in the trailing docs.
Employee Stock condition remains.
Plan Account SELLER - GENERAL COMMENT (2023/XX/25): Agree
provided for with error.
periods REVIEWER - GENERAL COMMENT (2023/XX/27):
01/XX/2017 - Reviewed trailing documentation. Documents
03/XX/2017. necessary to clear the conditions were not
Exception provided. Exception remains.
remains. SELLER - GENERAL COMMENT (2023/XX/18): Assets
REVIEWER - used in qualifying are all updated and dated
GENERAL COMMENT May-June with Note date 7/XX/2017 meeting age of
(2023/XX/XX): document requirements
Updated statement REVIEWER - GENERAL COMMENT (2023/XX/22):
was not provided Trailing Activity printout dated 07/XX/20217
in the trailing provided. Print out does not reflect XXX,
docs. condition Borrower's Name, Account Number and/or Start and
remains. End Date. Most recent XXX Employee Stock Plan
SELLER - GENERAL Account provided for periods 01/XX/2017 -
COMMENT 03/XX/2017. Exception remains.
(2023/XX/XX): REVIEWER - GENERAL COMMENT (2023/XX/15): Updated
Assets used in statement was not provided in the trailing docs.
qualifying are condition remains.
all updated and SELLER - GENERAL COMMENT (2023/XX/25): Agree
dated May-June with error.
with Note date REVIEWER - GENERAL COMMENT (2023/XX/27):
7/XX/2017 meeting Reviewed trailing documentation. Documents
age of document necessary to clear the conditions were not
requirements provided. Exception remains.
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Trailing Activity
printout dated
07/XX/20217
provided. Print
out does not
reflect XXX,
Borrower's Name,
Account Number
and/or Start and
End Date. Most
recent XXX
Employee Stock
Plan Account
provided for
periods
01/XX/2017 -
03/XX/2017.
Exception
remains.
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Updated statement
was not provided
in the trailing
docs. condition
remains.
SELLER - GENERAL
COMMENT
(2023/XX/XX):
Agree with error.
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Reviewed trailing
documentation.
Documents
necessary to
clear the
conditions were
not provided.
Exception
remains.
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Trailing docs did
not contain any
docs to clear
this exception.
SELLER - GENERAL
COMMENT
(2023/XX/XX):
Unable to locate
the source of the
$XXX deposit
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Provide Source of
Funds/Deposit
into XXX account
ending XXX for
$XXX dated
06/XX/2017.
Exception
remains.
SELLER - GENERAL
COMMENT
(2023/XX/XX):
Agree with error.
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Reviewed trailing
documentation.
Documents
necessary to
clear the
conditions were
not provided.
Exception
remains.
649207339 XXX XXX 1 XXX $XXX CA 3/XX/2018 2/XX/2018 Primary Purchase Non QM 3 C C C C [3] Application / Processing - Missing Document: Flood Certificate Missing fraud report. 3 C C C C [3] Federal Compliance - Appendix Q Liabilities - Invalid Exclusion Basis: Qualified Mortgage (Dodd-Frank Federal Compliance - Appendix Q Liabilities - Invalid Exclusion Basis: TILA ATR/QM
not provided 2014): One or more liabilities have been excluded from DTI calculation for a prohibited reason. Borrowers employer pays the monthly car payment per the statement on
[3] Application / Processing - Missing Document: Fraud Report not [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): XXX.
provided Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Federal Compliance - Check Loan Designation Match - QM: Missing vvoe
[3] Credit Documentation - No evidence of fraud report in file: [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In from previous employer to verify complete two year employment history
Credit Report: Original // Borrower: XXX XXX File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at resulting in a loan designation of Non-QM.
least three (3) business days prior to closing, and appraisal was not provided at or before closing. Federal Compliance - QM Employment History - Current and/or Previous
(Type:Primary/03/XX/2018) Employment Documentation lacks Date Info: Missing vvoe from previous
[2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks employer to verify complete two year employment history.
Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment Federal Compliance - TRID Initial Closing Disclosure Timing without
history for current and/or prior employment. (XXX XXX/12402147) Waiver: Closing Disclosure not provided to Borrower(s) at least three
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account (3) business days prior to closing.
statement was not provided to the borrower. Federal Compliance - TRID Revised Loan Estimate Timing Before Closing:
[2] Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test: TILA- Revised Loan Estimate provided on 03/XX/2018 not received by borrower at
RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2018 least four (4) business days prior to closing.
incorrectly disclosed whether Homeowners Insurance is included in escrow. (Final/03/XX/2018)
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated
Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to
closing. (Initial/03/XX/2018)
[2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated
Disclosure: Revised Loan Estimate provided on 03/XX/2018 not received by borrower at least four (4)
business days prior to closing. (Interim/03/XX/2018)
649209111 XXX XXX 1 XXX $XXX CA 10/XX/2017 9/XX/2017 Primary Refinance Non QM 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: E-sign Consent Agreement is missing in loan file . 2 B B B B [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without -
Rate/Term Disclosure: E-Sign Consent Agreement File does not contain documentation from Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee. Fee Amount of $XXX Sufficient Cure Provided: Mortgage Broker Fee is incased on final
[3] Missing Document - File does not contain documentation from lender/seller confirming the condo is warrantable exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75138) closing disclosure by $XXX hence please provide valid changed
lender/seller confirming the condo is warrantable.: Valuation Type: hence please provide document . circumstance
Appraisal / Valuation Report Date: 09/XX/2017
649207810 XXX XXX 1 XXX $XXX CA 11/XX/2016 7/XX/2016 Investment Refinance N/A 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The subject The subject property is located in a FEMA Disaster BUYER - GENERAL 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Borrower has -
Rate/Term property is located in a FEMA disaster that does not have a declared area post-close. A post-disaster inspection COMMENT Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Verification appraisal was owned the
end date.: Disaster Name: XXX verifying there was no damage to the subject (2023/XX/31): applicant three (3) business days prior to consummation. (Type:Primary/08/XX/2016) delivered to borrower was not provided. subject
Disaster Declaration Date: XX/XX/XXXX property is required. Utilized updated property for at
[3] Mortgage / Program Eligibility - Guideline Requirement: Loan to Per lender guides, the maximum LTV is XXX%. BPO to access no least 5 years.
value discrepancy.: Calculated loan to value percentage of XXX% HOI coverage is insufficient by $XXX. Provide damage at
exceeds Guideline loan to value percentage of 70.00000%. updated policy reflecting minimum coverage of $XXX property Borrower has
[3] Insurance Analysis - Insufficient Coverage: Hazard insurance OR provide copy of insurer's replacement cost REVIEWER - RE- verified
coverage amount is insufficient. estimate supporting current coverage amount. GRADED COMMENT disposable
(2023/XX/01): BPO income of at
provided prior to least $XXX.
disaster end date
does not reflect Borrower's
damage monthly
reserves have
been verified
and exceed the
amount required
based on the
guidelines by
at least 4
months.
Property
inspected post
disaster but
pre-FEMA
declaration of
disaster end
date.
649209022 XXX XXX 2 XXX $XXX CA 9/XX/2015 6/XX/2015 Investment Refinance N/A 2 B B B B [3] Application / Processing - Missing Document: Approval not The Approval document was not provided. 2 B B B B [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Application / Processing - Missing Document: Missing Lender's Initial -
Cash-out - provided Missing Flood Certificate. [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided 1003: Missing signed and dated Initial Loan Application.
Other [3] Application / Processing - Missing Document: Flood Certificate Occupancy Certificate was not provided. Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal
not provided Missing borrower(s) Verification of employment appraisal disclosure to applicant within three (3) business days of application or determination of first Disclosure Not Provided Timely: "Right to Receive a Copy" appraisal
[3] Credit Documentation - Missing Document: Occupancy Certificate within 10 days of the Note. lien status. disclosure was not provided to borrower(s) within three (3) business
not provided days of application.
[3] Income Documentation - Verification(s) of employment is not
within 10 business days of the Note.: Borrower: XXX // Employment
Type: Employment / Income Type: Wages / Start Date: 06/XX/1992
649208826 XXX XXX 1 XXX $XXX CA 12/XX/2015 10/XX/2015 Primary Purchase Non QM 3 C C C C 3 C C C C [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Federal Compliance - Check Loan Designation Match - QM: The borrower's SELLER - GENERAL COMMENT (2023/XX/18): Balance GENERAL COMMENT (2023/XX/18): Balance sheet not TILA ATR/QM
Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. most recent balance sheet was required by the guidelines and not sheet not required. Service related business required. Service related business with no inventory
[3] Federal Compliance - Sole Proprietorship Income Documentation Test: Qualified Mortgage (Dodd-Frank provided. Loan is waterfalling to ATR/QM income documentation with no inventory listed on schedule C. listed on schedule C.
2014): Self-employed income documentation not sufficient (Sole Proprietorship). (XXX XXX/Schedule C) requirement. REVIEWER - GENERAL COMMENT (2023/XX/22):
[2] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program Federal Compliance - Sole Proprietorship Income Documentation Test: The Appendix Q requires a Balance Sheet since the GENERAL COMMENT (2023/XX/18): Balance sheet not
disclosure does not match terms of loan. borrower's most recent balance sheet was required by the guidelines and tax returns are greater than 90 days from the required. Service related business with no inventory
[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided not provided. Loan is waterfalling to ATR/QM income documentation application date causing the loan to waterfall listed on schedule C.
within three (3) days of application due to missing information. requirement. to ATR/QM requirements and a final Due Diligence
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - ARM Disclosure Compliant Test: The ARM disclosure Loan Designation on Non QM.. Exception remains.
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. provided was neither signed or dated REVIEWER - GENERAL COMMENT (2023/XX/22):
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Federal Compliance - ARM Disclosure Timing Test: The ARM disclosure EXCEPTION HISTORY - Exception Detail was updated
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA provided was neither signed or dated on 08/XX/2023 PRIOR Exception Detail: Qualified
Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations Application / Processing - Missing Document: Missing Lender's Initial Mortgage (Dodd-Frank 2014): Originator Loan
to borrower. 1003: The initial 1003 was not signed by the borrower or loan Designation of Safe Harbor QM does not match Due
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account originator. Diligence Loan Designation of ATR Risk.
statement was not provided to the borrower. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling SELLER - GENERAL COMMENT (2023/XX/18): Balance
[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Organizations Missing: Creditor did not provide List of Homeownership sheet not required. Service related business
Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX Counseling Organizations to borrower. with no inventory listed on schedule C.
plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) Federal Compliance - RESPA - Initial Escrow Account Statement Missing: REVIEWER - GENERAL COMMENT (2023/XX/22):
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Initial escrow account statement was not provided to the borrower. Appendix Q requires a Balance Sheet since the
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX Federal Compliance - TRID Ten Percent Tolerance Violation Without tax returns are greater than 90 days from the
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) Sufficient Cure Provided: 10% tolerance was exceeded by $XXX due to application date. Exception remains.
increase of Title-endorsement, Title-recording service fee, fee, and REVIEWER - GENERAL COMMENT (2023/XX/30): Missing
Title Sub-escrow, and Title- wire fee. There is no evidence of cure in CHARM Booklet provided within 3 days of
file, or valid COC provided. application.
Federal Compliance - TRID Zero Percent Tolerance Violation Without REVIEWER - GENERAL COMMENT (2023/XX/30): Missing
Sufficient Cure Provided: There is no evidence of cure in the file or Signed/dated Initial 1003.
valid change of circumstance.
649206916 XXX XXX 1 XXX $XXX CA 11/XX/2017 9/XX/2017 Primary Refinance Non QM 2 B B B B 2 B B B B [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Federal Compliance - RESPA Disclosure - List of Homeownership Counseling -
Cash-out - Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations Organizations Missing: List of Homeownership Counseling Organizations
Other to borrower. containing 10 agencies and the date the list was updated is missing from
the loan file.
649207442 XXX XXX 2 XXX $XXX CA 10/XX/2017 8/XX/2017 Primary Refinance ATR Risk 3 C C C C [3] Missing Document - E-sign Consent Agreement is missing. E-sign consent is missing in loan file REVIEWER - 3 C C C C [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Federal Compliance - Check Loan Designation Match - ATR Risk: The VVOE REVIEWER - GENERAL COMMENT (2023/XX/02): VVOE GENERAL COMMENT (2023/XX/18): N/A; Duplicative TILA ATR/QM
Rate/Term [3] Income Documentation - Income documentation requirements not met. The VVOE for the co-borrower was dated 10/XX/2016 GENERAL COMMENT Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. for the co-borrower was dated 10/XX/2016 and the loan closed on provided is dated 10/XX/2016. Condition remains. Exception
[3] Income Documentation - Verification(s) of employment is not and the loan closed on 10/XX/2017. (2023/XX/02): [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd- 10/XX/2017, causing the loan to waterfall through the QM Testing. SELLER - GENERAL COMMENT (2023/XX/18): N/A;
within 10 business days of the Note.: Borrower: XXX // Employment The VVOE for the co-borrower was dated 10/XX/2016 VVOE provided is Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Federal Compliance - General Ability To Repay Provision Investor Duplicative Exception GENERAL COMMENT (2023/XX/18): N/A; Duplicative
Type: Employment / Income Type: Wages / Start Date: 08/XX/2016 and the loan closed on 10/XX/2017. dated 10/XX/2016. [3] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank Guidelines: The VVOE for the co-borrower was dated 10/XX/2016 and the REVIEWER - GENERAL COMMENT (2023/XX/22): Per the Exception
Condition 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result loan closed on 10/XX/2017, causing the loan to waterfall through the QM guidelines, verbal verification of current
remains. in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating Testing. employment is to be done within 10 days of the GENERAL COMMENT (2023/XX/18): N/A; Duplicative
SELLER - GENERAL factors.) Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: The Note Date. Condition remains. Exception
COMMENT [2] Federal Compliance - ARM Disclosure Compliant Test: TIL variable rate disclosure: ARM loan program VVOE for the co-borrower was dated 10/XX/2016 and the loan closed on SELLER - GENERAL COMMENT (2023/XX/25): Duplicate
(2023/XX/XX): disclosure does not match terms of loan. 10/XX/2017, causing the loan to waterfall through the QM Testing. and/or waterfall exception GENERAL COMMENT (2023/XX/18): N/A; Duplicative
N/A; Duplicative [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided Federal Compliance - ARM Disclosure Compliant Test: Evidence of REVIEWER - GENERAL COMMENT (2023/XX/27): Exception
Exception within three (3) days of application due to missing information. disclosure receipt is not in file. Reviewed trailing documentation. Documents
REVIEWER - [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - ARM Disclosure Timing Test: Evidence of disclosure necessary to clear the conditions were not GENERAL COMMENT (2023/XX/18): WVOE for B2 dated
GENERAL COMMENT on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. receipt is not in file. provided. Exception remains. 09/XX/2017, note dated 10/XX/2017
(2023/XX/XX): Per [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet is REVIEWER - GENERAL COMMENT (2023/XX/02): VVOE
the guidelines, Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to missing in loan file provided is dated 10/XX/2016. Condition remains. GENERAL COMMENT (2023/XX/25): Duplicate and/or
verbal applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2017) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 SELLER - GENERAL COMMENT (2023/XX/18): N/A; waterfall exception
verification of [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Business Days Prior to Consummation: Verification appraisal was Duplicative Exception
current [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated delivered to borrower was not provided. REVIEWER - GENERAL COMMENT (2023/XX/22): Per the GENERAL COMMENT (2023/XX/25): Duplicate and/or
employment is to Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to Application / Processing - Missing Document: Missing Lender's Initial guidelines, verbal verification of current waterfall exception
be done within 10 closing. (Initial/10/XX/2017) 1003: Initial Loan Application is not in file. employment is to be done within 10 days of the
days of the Note [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Initial Closing Disclosure Timing without Note Date. Condition remains. GENERAL COMMENT (2023/XX/25): Duplicate and/or
Date. Condition Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Settlement / Closing / Escrow Fee. Fee Waiver: Evidence of receipt of initial CD 3 days prior to closing is not SELLER - GENERAL COMMENT (2023/XX/25): Duplicate waterfall exception
remains. Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7555) in file. and/or waterfall exception
SELLER - GENERAL Federal Compliance - TRID Zero Percent Tolerance Violation Without REVIEWER - GENERAL COMMENT (2023/XX/27): GENERAL COMMENT (2023/XX/25): Duplicate and/or
COMMENT Sufficient Cure Provided: Fee increased without a valid change of Reviewed trailing documentation. Documents waterfall exception
(2023/XX/XX): circumstance. Cure was not provided at closing. necessary to clear the conditions were not
Duplicate and/or provided. Exception remains. GENERAL COMMENT (2023/XX/25): Agree with error
waterfall REVIEWER - GENERAL COMMENT (2023/XX/02): VVOE
exception provided is dated 10/XX/2016. Condition remains.
REVIEWER - SELLER - GENERAL COMMENT (2023/XX/18): N/A;
GENERAL COMMENT Duplicative Exception
(2023/XX/XX): REVIEWER - GENERAL COMMENT (2023/XX/22): Per the
Reviewed trailing guidelines, verbal verification of current
documentation. employment is to be done within 10 days of the
Documents Note Date. Condition remains.
necessary to SELLER - GENERAL COMMENT (2023/XX/25): Duplicate
clear the and/or waterfall exception
conditions were REVIEWER - GENERAL COMMENT (2023/XX/27):
not provided. Reviewed trailing documentation. Documents
Exception necessary to clear the conditions were not
remains. provided. Exception remains.
REVIEWER -
GENERAL COMMENT
(2023/XX/02):
VVOE provided is
dated 10/XX/2016.
Condition
remains.
SELLER - GENERAL
COMMENT
(2023/XX/XX):
WVOE for B2 dated
09/XX/2017, note
dated 10/XX/2017
REVIEWER -
GENERAL COMMENT
(2023/XX/XX): Per
the guidelines,
verbal
verification of
current
employment is to
be done within 10
days of the Note
Date. Condition
remains.
SELLER - GENERAL
COMMENT
(2023/XX/XX):
Agree with error
REVIEWER -
GENERAL COMMENT
(2023/XX/XX): No
supporting
trailing
documentation was
provided to clear
this exception.
Exception
remains.
649208211 XXX XXX 1 XXX $XXX CA 1/XX/2018 12/XX/2017 Primary Refinance Non QM 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program Federal Compliance - ARM Disclosure Timing Test: The Disclosure was -
Cash-out - disclosure not provided to the borrower within three (3) days of application. dated 12/XX/2017, this is longer than three days from applicaiton date
Other [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook of 12/XX/2017.
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of Federal Compliance - CHARM Booklet Disclosure Timing: The Disclosure was
application. dated 12/XX/2017, this is longer than three days from applicaiton date
of 12/XX/2017.
649208005 XXX XXX 1 XXX $XXX CA 2/XX/2019 1/XX/2019 Primary Refinance Non QM 2 B B B B [3] Insurance Analysis - Insufficient Coverage: Hazard insurance Replacement cost estimator is required. 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - CHARM Booklet Disclosure Status: Consumer Handbook REVIEWER - GENERAL COMMENT (2023/XX/30): Missing -
Rate/Term coverage amount is insufficient. on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. on Adjustable-Rate Mortgages, CHARM Booklet, not provided to the CHARM Booklet provided within 3 days of
[2] Document Error - The Preliminary title policy is within CA or NV [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to borrower. application.
and does not reflect a coverage amount (no final title policy in Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
file). Unable to determine if appropriate coverage is provided. applicant three (3) business days prior to consummation. (Type:Primary/01/XX/2019) Business Days Prior to Consummation: Creditor did not provide a copy of
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel each valuation to applicant three business days.
was not provided. Federal Compliance - Notice of Right to Cancel Missing: Notice of Right
to Cancel was provided to borrower however, it is not signed by
borrower.
649207992 XXX XXX 2 XXX $XXX CA 8/XX/2015 6/XX/2015 Primary Refinance Non QM 2 B B B B [3] Missing Document - File does not contain documentation from File does not contain documentation from 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program Federal Compliance - ARM Disclosure Timing Test: ARM loan program REVIEWER - GENERAL COMMENT (2023/XX/30): Missing -
Rate/Term lender/seller confirming the condo is warrantable.: Valuation Type: lender/seller confirming the condo is warrantable. disclosure not provided to the borrower within three (3) days of application. disclosure not provided to the borrower within three (3) days of CHARM Booklet provided within 3 days of
Appraisal / Valuation Report Date: 06/XX/2015 [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook application. application.
[3] Application / Processing - Missing Document: Approval not on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet REVIEWER - GENERAL COMMENT (2023/XX/29): Missing
provided [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Disclosure is required to mitigate this exception. Initial signed/dated 1003.
Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 REVIEWER - GENERAL COMMENT (2023/XX/30): Missing
applicant three (3) business days prior to consummation. (Type:Primary/06/XX/2015) Business Days Prior to Consummation: As per Appraisal acknowledgement Signed/dated Initial 1003.
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003 document signed on closing borrower did not select any option
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Application / Processing - Missing Document: Missing Lender's Initial
Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing 1003: File is missing a fully executed initial application.
Disclosure Statement to applicant within three (3) business days of application. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure
Statement Not Provided Within 3 Business Days of Application: RESPA
disclosure signed at close 8/XX/2015.
649206764 XXX XXX 2 XXX $XXX CA 3/XX/2015 11/XX/2014 Primary Refinance ATR Fail 3 C C C C [3] Application / Processing - FEMA Disaster Issue: The most recent The property is in a FEMA disaster area. Provide a BUYER - GENERAL 3 C C C C [3] Federal Compliance - Check Loan Designation Match - ATR: Ability to Repay (Dodd-Frank 2014): Originator Federal Compliance - Check Loan Designation Match - ATR: Waterfall REVIEWER - GENERAL COMMENT (2023/XX/02): GENERAL COMMENT (2023/XX/18): Concur. However, LOE in Borrower has TILA ATR/QM
Rate/Term valuation inspection is dated prior to the most recent FEMA satisfactory post-disaster inspection verifying COMMENT Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. exception due to missing third party verification of borrower's LLC. Trailing docs did not contain any docs to clear file states that these entities have ownership in been employed
disaster.: Most Recent Valuation Inspection Date: XX/XX/XXXX there was no damage. The inspection must include (2023/XX/XX): [3] Federal Compliance - General Ability To Repay Provision Employment - Partnership Test: Ability-to-Repay Federal Compliance - General Ability To Repay Provision Employment - this exception. multiple properties. Income is increasing and ATR is in the same
Disaster End Date: XX/XX/XXXX exterior photos and the property must be re- Utilized updated (Dodd-Frank 2014): Unable to verify current Partnership status due to most recent Tax Return end date is Partnership Test: File is missing third party verification of borrower's SELLER - GENERAL COMMENT (2023/XX/18): Concur. met. industry for
Disaster Name: XXX inspected on or after XX/XX/XXXX (XXX) Declared BPO to access no older than 120 days before Closing Date, and one of these docs is required yet missing: Audited/Third LLC. However, LOE in file states that these entities more than 5
Disaster Declaration Date: XX/XX/XXXX Disaster End Date. damage at Party P&L, CPA Letter, or other Third Party Verification. (XXX XXX/Partnership) Federal Compliance - General Ability To Repay Provision Investor have ownership in multiple properties. Income is GENERAL COMMENT (2023/XX/18): Concur. However, LOE in years.
[3] Application / Processing - FEMA Disaster Issue: The subject VOE was not provided within 10 business day of the property [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Qualification Method not Matching ATR: Lender qualification method of 2% increasing and ATR is met. file states that these entities have ownership in
property is located in a FEMA disaster that does not have a declared note. REVIEWER - Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR above the start rate fully amortized over 40 years does not match the REVIEWER - GENERAL COMMENT (2023/XX/22): multiple properties. Income is increasing and ATR is Borrower has
end date.: Disaster Name: XXX GENERAL COMMENT payment calculation methods under 1026.43(c)(5). qualification method required under 1026.43(c)(5). Rebuttal comment indicates client agrees with met. verified
Disaster Declaration Date: XX/XX/XXXX (2023/XX/XX): BPO [2] Federal Compliance - TILA NMLSR - Individual Originator License Status Not Approved: Truth in Lending Federal Compliance - TILA NMLSR - Individual Originator License Status finding. Finding remains open. disposable
[3] Income Documentation - Verification(s) of employment is not provided prior to Act (NMLSR Dodd- Frank 2014): Individual Loan Originator not licensed to conduct loan origination Not Approved: Per NMLS website, loan originator not found. SELLER - GENERAL COMMENT (2023/XX/25): Duplicate GENERAL COMMENT (2023/XX/18): Concur. Date of VVOE was income of at
within 10 business days of the Note.: Borrower: XXX // Employment disaster end date activities. Federal Compliance - TILA NMLSR - Individual Originator NMLS information and/or waterfall exception 3/XX/15 and note was dated 3/XX/15. Borrower has been least $XXX.
Type: Employment / Income Type: Wages / Start Date: 06/XX/1983 does not reflect [2] Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match on documents does not match NMLS website: Per NMLS website, loan REVIEWER - GENERAL COMMENT (2023/XX/27): with employer since XXX and is a XXX. WVOE notes
damage. NMLS website: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information originator not found. Reviewed trailing documentation. Documents continued employment is "excellent." Borrower has
REVIEWER - RE- on loan documents does not match NMLSR. Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: 10% necessary to clear the conditions were not worked in the
GRADED COMMENT [2] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation tolerance violation with no cure provided. provided. Exception remains. GENERAL COMMENT (2023/XX/25): Duplicate and/or same position
(2023/XX/01): BPO without evidence of sufficient cure provided. Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without REVIEWER - GENERAL COMMENT (2023/XX/02): waterfall exception for more than 3
provided prior to [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance Cure: Zero percent fee tolerance with no cure provided. Trailing docs did not contain any docs to clear years.
disaster end date violation for 802 fee without evidence of sufficient cure provided. Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure this exception. GENERAL COMMENT (2023/XX/25): Duplicate and/or
does not reflect [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA Statement Not Provided Within 3 Business Days of Application: Document SELLER - GENERAL COMMENT (2023/XX/18): Concur. waterfall exception Borrower's
damage. (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms was provided 12/XX/2014, which is more than 3 business days after However, LOE in file states that these entities monthly
REVIEWER - for all other settlement charges. application date of 11/XX/2014. have ownership in multiple properties. Income is GENERAL COMMENT (2023/XX/25): Agree with error based on mortgage
GENERAL COMMENT [2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal increasing and ATR is met. timing, but don't agree that a missing VOE payment has
(2023/XX/XX): BPO statement was not provided to the borrower. Disclosure Not Provided Timely: Document was provided 12/XX/2014, which REVIEWER - GENERAL COMMENT (2023/XX/22): significantly changes ATR impact based on the overall decreased by at
provided prior to [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 is more than 3 business days after application date of 11/XX/2014. Rebuttal comment indicates client agrees with risk & quality of the transaction. least 20%.
disaster end date Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 finding. Finding remains open.
does not reflect Disclosure Statement to applicant within three (3) business days of application. Business Days of Application: Document was provided 12/XX/2014, which is SELLER - GENERAL COMMENT (2023/XX/25): Duplicate Borrower's
damage. [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided more than 3 business days after application date of 11/XX/2014. and/or waterfall exception monthly
REVIEWER - Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First REVIEWER - GENERAL COMMENT (2023/XX/27): reserves have
GENERAL COMMENT appraisal disclosure to applicant within three (3) business days of application or determination of first Adjustment Total Payment (PITI) Inaccurate: Due to lender qualification Reviewed trailing documentation. Documents been verified
(2023/XX/XX): lien status. method of 2% above the start rate fully amortized over 40 years not necessary to clear the conditions were not and exceed the
Reviewed trailing [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth matching the qualification method required under ATR. provided. Exception remains. amount required
documentation. in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the based on the
Documents creditor application date. guidelines by
necessary to [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Change Date at least 4
clear the Inaccurate (ARM loan): Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" date on the Final months.
conditions were TIL does not match the date on which the first regular periodic payment will be due and the earliest date
not provided. A on which that rate may apply. Property
Post Disaster [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Interest Rate inspected post
Inspection is Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" interest rate on the Final disaster but
required to TIL does not match the maximum interest rate that may apply during the first five (5) years of the loan. pre-FEMA
verify no damage [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Total Payment declaration of
to the Subject. (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" total payment amount disaster end
Exception (PITI) on the Final TIL does not match the maximum total payment on the loan during the first five (5) date.
remains. years for the loan.
REVIEWER - [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum Ever Change Date Inaccurate:
GENERAL COMMENT Truth in Lending Act (MDIA 2011): The "Maximum Ever" date on the Final TIL does not match the earliest
(2023/XX/02): date on which the maximum rate may apply.
Trailing docs did [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Change Date
not contain any Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" date on the Final TIL does not match
docs to clear the first adjustment date for the loan.
this exception. [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Taxes and Insurance
SELLER - GENERAL Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" amount of taxes and insurance,
COMMENT including any mortgage insurance, on the Final TIL does not match the escrow payment that may apply during
(2023/XX/XX): the first rate adjustment of the loan.
Concur. Date of [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Total Payment (PITI)
VVOE was 3/XX/15 Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" total payment amount (PITI) on the
and note was Final TIL does not match the total payment amount that may apply during the first rate adjustment of the
dated 3/XX/15. loan.
Borrower has been [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Interest
with employer Payment Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" interest payment on
since XXX and is the Final TIL does not match the maximum interest payment that may apply during the first five (5) years of
a XXX. WVOE notes the loan.
continued [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Maximum In First 5 Years Principal
employment is Payment Inaccurate: Truth in Lending Act (MDIA 2011): The "Maximum First Five Years" principal payment on
"excellent." the Final TIL does not match the maximum principal payment that may apply during the first five (5) years
REVIEWER - of the loan.
GENERAL COMMENT
(2023/XX/XX):
Rebuttal comment
indicates client
agrees with
finding. Finding
remains open.
SELLER - GENERAL
COMMENT
(2023/XX/XX):
Agree with error
based on timing,
but don't agree
that a missing
VOE significantly
changes ATR
impact based on
the overall risk
& quality of the
transaction.
REVIEWER -
GENERAL COMMENT
(2023/XX/XX): No
supporting
trailing
documentation was
provided to clear
this exception.
Exception
remains.
649208507 XXX XXX 1 XXX $XXX CA 5/XX/2017 2/XX/2017 Primary Refinance ATR Fail 3 C C C C [3] Missing Document - E-sign Consent Agreement is missing.: E-sign Consent Agreement is missing in file. 3 C C C C [3] Federal Compliance - Check Loan Designation Match - ATR: Ability to Repay (Dodd-Frank 2014): Originator Federal Compliance - Check Loan Designation Match - ATR: The file is SELLER - GENERAL COMMENT (2023/XX/18): N/A; GENERAL COMMENT (2023/XX/18): 2014/2015/2016 business TILA ATR/QM
Rate/Term Disclosure: E-Sign Consent Agreement HOI coverage is insufficient by $XXX. Provide Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. missing required income documents, causing the loan to waterfall through Duplicative Exception tax returns for Partnership in file under Miscellaneous
[3] Insurance Analysis - Insufficient Coverage: Hazard insurance updated policy reflecting minimum coverage of $XXX [3] Federal Compliance - General Ability To Repay Provision Employment - Partnership Test: Ability-to-Repay the QM Testing. REVIEWER - GENERAL COMMENT (2023/XX/22): Bus Tax Returns. 2016 P&L thru 12/XX/2016 provided. Age
coverage amount is insufficient. OR (Dodd-Frank 2014): Unable to verify current Partnership status due to missing Tax Return/Transcript for the Federal Compliance - General Ability To Repay Provision Employment - Rebuttal comment under related finding indicates of Documentation Checklist in file shows date of P&L as
provide copy of insurer's replacement cost estimate most recent year, and one of these docs is required yet missing: Audited/Third Party P&L, CPA Letter, or Partnership Test: The file is missing third party verification and the client agrees with finding. Finding remains 12/2016. Agree with finding that no updated YTD P&L for
supporting current coverage amount. other Third Party Verification. (XXX XXX/Partnership) 2017 year to date P&L statement, causing the loan to waterfall through open. 2017 in file.
[2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program the QM Testing. SELLER - GENERAL COMMENT (2023/XX/25): Duplicate
disclosure not provided to the borrower within three (3) days of application. Federal Compliance - ARM Disclosure Timing Test: ARM loan program and/or waterfall exception GENERAL COMMENT (2023/XX/18): N/A; Duplicative
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook disclosure not provided to the borrower within three (3) days of REVIEWER - GENERAL COMMENT (2023/XX/27): Exception
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. application. Reviewed trailing documentation. Documents
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - CHARM Booklet Disclosure Status: The file was necessary to clear the conditions were not GENERAL COMMENT (2023/XX/25): Agree with error, but
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender's Title Insurance. Fee Amount of missing evidence the CHARM Booklet was provided to borrower within 3 provided. Exception remains. don't agree with ATR impact based on overall file risk
$XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7739) days of initial application. SELLER - GENERAL COMMENT (2023/XX/18): & quality.
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without 2014/2015/2016 business tax returns for
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Sufficient Cure Provided: Lender's Title Insurance Fee was last Partnership in file under Miscellaneous Bus Tax GENERAL COMMENT (2023/XX/25): Duplicate and/or
Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. disclosed as $XXX on Loan Estimate but disclosed as $XXX on Final Returns. 2016 P&L thru 12/XX/2016 provided. Age waterfall exception
(77190) Closing Disclosure. File does not contain a valid change of circumstance of Documentation Checklist in file shows date of
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA for this fee, no cure provided. P&L as 12/2016. Agree with finding that no
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX Federal Compliance - TRID Zero Percent Tolerance Violation Without updated YTD P&L for 2017 in file.
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) Sufficient Cure Provided: Title-Wire/Funding/Disbursement Fee was last REVIEWER - GENERAL COMMENT (2023/XX/22):
disclosed as $XXX on Loan Estimate but disclosed as $XXX on Final Rebuttal comment indicates client agrees with
Closing Disclosure. File does not contain a valid change of circumstance finding. Finding remains open.
for this fee, no cure provided. SELLER - GENERAL COMMENT (2023/XX/25): Agree
Federal Compliance - TRID Zero Percent Tolerance Violation Without with error, but don't agree with ATR impact
Sufficient Cure Provided: Credit report Fee was last disclosed as $XXX based on overall file risk & quality.
on Loan Estimate but disclosed as $XXX on Final Closing Disclosure. REVIEWER - GENERAL COMMENT (2023/XX/26): No
File does not contain a valid change of circumstance for this fee, no supporting trailing documentation was provided
cure provided. to clear this exception. Exception remains.
649208696 XXX XXX 1 XXX $XXX CA 12/XX/2016 10/XX/2016 Primary Refinance ATR Fail 3 C C C C 3 C C C C [3] Federal Compliance - Check Loan Designation Match - ATR: Ability to Repay (Dodd-Frank 2014): Originator Federal Compliance - Check Loan Designation Match - ATR: The loan was REVIEWER - GENERAL COMMENT (2023/XX/04): File is GENERAL COMMENT (2023/XX/18): Green Loan, Income Calc TILA ATR/QM
Cash-out - Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. approved under the Green Loan program which allows verification of missing a year to date balance sheet for the for borrower Sch C business based on transcripts for
Home [3] Federal Compliance - General Ability To Repay Provision Employment - Schedule C Test: Ability-to-Repay income in the form of two years tax transcripts which were provided. borrowers business which is required under the 2014/2015 and there is a signed dated P%L through
Improvement (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third- However, this does not meet ATR requirements and resulted in a Green Loan program guides. In addition, the file 10/XX/2016 to support historical income. Borrower is a
party records. (XXX XXX/Schedule C) calculated Due Diligence Loan Designation of ATR Fail. is missing additional supporting income XXX and does not carry inventory and a Balance Sheet
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - General Ability To Repay Provision Employment - documentation which may not be required per the would not be required. Note VOE uploaded does verify
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Schedule C Test: File is missing a year to date signed/dated P&L/Balance guides, however is testing to QM/ATR standards. the borrower information, being a XXX that files income
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to sheet and third party verification dated within 21 days prior to note SELLER - GENERAL COMMENT (2023/XX/18): Green under their name on a Schedule C would be difficult to
Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to date verifying dates of operation, good standing and active at closing. Loan, Income Calc for borrower Sch C business verify an active business. SS income based on
applicant three (3) business days prior to consummation. (Type:Primary/12/XX/2016) Federal Compliance - CHARM Booklet Disclosure Status: The file was based on transcripts for 2014/2015 and there is transcripts under Green Loan requirements.
missing evidence the CHARM Booklet was provided to borrower within 3 a signed dated P%L through 10/XX/2016 to support
days of initial application. historical income. Borrower is a XXX and does GENERAL COMMENT (2023/XX/18): Green Loan, Income Calc
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 not carry inventory and a Balance Sheet would for borrower Sch C business based on transcripts for
Business Days Prior to Consummation: Acknowledgement of Appraisal not be required. Note VOE uploaded does verify 2014/2015 and there is a signed dated P%L through
receipt by borrower 3 business days prior Consummation required. the borrower information, being a XXX that files 10/XX/2016 to support historical income. Borrower is a
income under their name on a Schedule C would be XXX and does not carry inventory and a Balance Sheet
difficult to verify an active business. SS would not be required. Note VOE uploaded does verify
income based on transcripts under Green Loan the borrower information, being a XXX that files income
requirements. under their name on a Schedule C would be difficult to
REVIEWER - GENERAL COMMENT (2023/XX/22): verify an active business. SS income based on
Trailing docs did not contain any docs to clear transcripts under Green Loan requirements.
this exception.
SELLER - GENERAL COMMENT (2023/XX/25): Provided GENERAL COMMENT (2023/XX/05): Provided 2014/15 IRS tax
2014/15 IRS tax transcripts provided by 3rd transcripts provided by 3rd party, along with 2016 YTD
party, along with 2016 YTD P&L. Agree with error P&L. Agree with error for VOE. Note: loan was qualified
for VOE. Note: loan was qualified using Green using Green Loan guidelines, which is a low-doc loan
Loan guidelines using RLU-NA section 503, which program and tax transcripts can be utilized to validate
is a low-doc loan program and tax transcripts income. Additionally, note: difference of guideline/ATR
can be utilized to validate income. interpretation as XXX guidelines did not require YTD
Additionally, XXX guidelines (RLU-NA section Balance Sheet for Schedule C borrowers when a sole prop
302-2.1.3) state YTD Balance Sheets are not business does not carry inventory.
required for Schedule C businesses unless the
business carries an inventory. GENERAL COMMENT (2023/XX/25): Provided 2014/15 IRS tax
REVIEWER - GENERAL COMMENT (2023/XX/27): transcripts provided by 3rd party, along with 2016 YTD
Reviewed trailing documentation. Documents P&L. Agree with error for VOE. Note: loan was qualified
necessary to clear the conditions were not using Green Loan guidelines using RLU-NA section 503,
provided. Exception remains. which is a low-doc loan program and tax transcripts can
BUYER - GENERAL COMMENT (2023/XX/12): ATR be utilized to validate income. Additionally, XXX
related docs guidelines (RLU-NA section 302-2.1.3) state YTD Balance
REVIEWER - GENERAL COMMENT (2023/XX/13): Upload Sheets are not required for Schedule C businesses
did not contain a year to date signed/dated unless the business carries an inventory.
P&L/Balance sheet and third party verification
dated within 21 days prior to note date GENERAL COMMENT (2023/XX/25): Provided 2014/15 IRS tax
verifying dates of operation, good standing and transcripts provided by 3rd party, along with 2016 YTD
active at closing. Unable to clear. P&L. Agree with error for VOE. Note: loan was qualified
REVIEWER - GENERAL COMMENT (2023/XX/01): Upload using Green Loan guidelines using RLU-NA section 503,
did not contain fully executed Balance Sheet which is a low-doc loan program and tax transcripts can
third party verification dated within 21 days be utilized to validate income. Additionally, XXX
prior to note date verifying dates of operation, guidelines (RLU-NA section 302-2.1.3) state YTD Balance
good standing and active at closing or a Social Sheets are not required for Schedule C businesses
Security Awards letter, and asset documentation unless the business carries an inventory.
to verify receipt.
REVIEWER - GENERAL COMMENT (2023/XX/04): File is
missing a year to date balance sheet for the
borrowers business which is required under the
Green Loan program guides. In addition, the file
is missing additional supporting income
documentation which may not be required per the
guides, however is testing to QM/ATR standards.
SELLER - GENERAL COMMENT (2023/XX/18): Green
Loan, Income Calc for borrower Sch C business
based on transcripts for 2014/2015 and there is
a signed dated P%L through 10/XX/2016 to support
historical income. Borrower is a XXX and does
not carry inventory and a Balance Sheet would
not be required. Note VOE uploaded does verify
the borrower information, being a XXX that files
income under their name on a Schedule C would be
difficult to verify an active business. SS
income based on transcripts under Green Loan
requirements.
REVIEWER - GENERAL COMMENT (2023/XX/22):
Trailing docs did not contain any docs to clear
this exception.
SELLER - GENERAL COMMENT (2023/XX/05): Provided
2014/15 IRS tax transcripts provided by 3rd
party, along with 2016 YTD P&L. Agree with error
for VOE. Note: loan was qualified using Green
Loan guidelines, which is a low-doc loan program
and tax transcripts can be utilized to validate
income. Additionally, note: difference of
guideline/ATR interpretation as XXX guidelines
did not require YTD Balance Sheet for Schedule C
borrowers when a sole prop business does not
carry inventory.
REVIEWER - GENERAL COMMENT (2023/XX/06): Unable
to clear due to missing third party verification
as is required. Condition remains.
SELLER - GENERAL COMMENT (2023/XX/25): Provided
2014/15 IRS tax transcripts provided by 3rd
party, along with 2016 YTD P&L. Agree with error
for VOE. Note: loan was qualified using Green
Loan guidelines using RLU-NA section 503, which
is a low-doc loan program and tax transcripts
can be utilized to validate income.
Additionally, XXX guidelines (RLU-NA section
302-2.1.3) state YTD Balance Sheets are not
required for Schedule C businesses unless the
business carries an inventory.
REVIEWER - GENERAL COMMENT (2023/XX/27):
Reviewed trailing documentation. Documents
necessary to clear the conditions were not
provided. Exception remains.
REVIEWER - GENERAL COMMENT (2023/XX/30): Missing
CHARM Booklet provided within 3 days of
application.
649207748 XXX XXX 2 XXX $XXX CA 4/XX/2017 2/XX/2017 Primary Refinance Non QM 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: E-sign Consent Agreement is missing in file 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 -
Rate/Term Disclosure: E-Sign Consent Agreement As per 1008 refi purpose is rate/term but as per on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of Business Days Prior to Consummation: Evidence of receipt of appraisal
[3] Guideline Issue - Refi Purpose reflects Rate/Term and cash out final CD cash to borrower is $XXX. application. within 3 days of consummation not provided.
greater than the lesser of 2% of the loan amount or $XXX.: Cash to [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to
Borrower: $XXX; Total Cash Out: $XXX; Refi Purpose: Rate/Term Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to
applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2017)
649206797 XXX XXX 2 XXX $XXX CA 7/XX/2017 5/XX/2017 Primary Refinance Non QM 2 B B B B [3] Guideline Issue - Aged document: Asset Account date is more than Copy of e-sign agreement document is not available [3] Appraisal 442 was not 2 B B B B [2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Federal Compliance - Self-Employed Tax Return Recency - ATR: The -
Rate/Term 90 days prior to Closing.: Financial Institution: XXX // Account in file. Documentation provided. Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application business or personal tax returns provided are not the most recent.
Type: 401(k)/403(b) Account / Account Number: XXX Borrower received total cash out of $XXX, which is - Missing Date 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. (XXX Application Date 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015,
[3] Missing Document - E-sign Consent Agreement is missing.: greater than the lessor of $XXX or 2% of the loan Document: XXX/Schedule C) Tax Return Due Date 04/XX/2017
Disclosure: E-Sign Consent Agreement amount. Appraisal was [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without
[3] Guideline Issue - Refi Purpose reflects Rate/Term and cash out made "subject Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of Sufficient Cure Provided: Zero percent fee tolerance exceeded.
greater than the lesser of 2% of the loan amount or $XXX.: Cash to to" and Form $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75103)
Borrower: ; Total Cash Out: $XXX; Refi Purpose: Rate/Term 1004D/442 was
not provided.:
Valuation
Type:
Appraisal /
Valuation
Report Date:
06/XX/2017
649208298 XXX XXX 2 XXX $XXX CA 11/XX/2018 10/XX/2018 Primary Refinance Non QM 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: E sign agreement was not in the file. 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 -
Cash-out - Disclosure: E-Sign Consent Agreement Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Evidence the Appraisal was provided
Other applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2018) to the Borrower three days prior to closing is missing.
649207513 XXX XXX 1 XXX $XXX CA 6/XX/2020 3/XX/2020 Primary Refinance Non QM 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet REVIEWER - CURED COMMENT (2023/XX/25): -
Cash-out - Disclosure: E-Sign Consent Agreement disclosure not provided to the borrower within three (3) days of application. Disclosure is missing Sufficient Cure Provided At Closing
Other [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Before Closing (3-Day Waiver In File): Verification appraisal was
[2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In delivered to borrower was not provided.
File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at Federal Compliance - General Ability To Repay Provision Investor
least three (3) business days prior to closing, and appraisal was not provided at or before closing. Qualification Method not Matching ATR: The Qualification Method used by
(Type:Primary/04/XX/2020) the lender does not match the ATR payment calculation methods
[2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Federal Compliance - RESPA Disclosure - List of Homeownership Counseling
Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR Organizations Not Provided Within 3 Business Days of Application:
payment calculation methods under 1026.43(c)(5). Homeownership Counseling is missing
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Federal Compliance - TRID Zero Percent Tolerance Violation Without
Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Sufficient Cure Provided: Credit report fee increased from $XXX to $XXX
Counseling Organizations not provided to applicant within three (3) business days of application. without a valid change of circumstance.
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation With
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX Sufficient Cure Provided At Closing: Fee disclosed was last disclosed
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: does not contain a valid COC for this fee, cure provided at closing.
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of
$XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7520)
649207462 XXX XXX 2 XXX $XXX CA 11/XX/2019 9/XX/2019 Primary Refinance Non QM 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program -
Rate/Term disclosure not provided to the borrower within three (3) days of application.
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to
Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to
applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2019)
[2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR:
Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR
payment calculation methods under 1026.43(c)(5).
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account
statement was not provided to the borrower.
649207875 XXX XXX 1 XXX $XXX CA 9/XX/2018 7/XX/2018 Primary Refinance Non QM 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: E-sign Consent Agreement is missing. 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - CHARM Booklet Disclosure Status: Consumer Handbook REVIEWER - CURED COMMENT (2023/XX/26): -
Cash-out - Disclosure: E-Sign Consent Agreement Hazard Insurance Coverage Amount is insufficient. on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. on Adjustable Rate Mortgages, CHARM Booklet is not reflecting in file. Sufficient Cure Provided within 60 Days of
Home [3] Insurance Analysis - Insufficient Coverage: Hazard insurance [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Closing
Improvement coverage amount is insufficient. File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at Before Closing (3-Day Waiver In File): Creditor did not provide a copy
least three (3) business days prior to closing, and appraisal was not provided at or before closing. of each valuation to applicant three (3) business days prior to
(Type:Primary/08/XX/2018) consumption
[2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Federal Compliance - Self-Employed Tax Return Recency - ATR: Most recent
Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application tax returns document is missing in file.
Date 07/XX/2018, Most Recent Tax Return End Date 12/XX/2016, Tax Return Due Date 03/XX/2018. (XXX Federal Compliance - Self-Employed Tax Return Recency - ATR: Most recent
XXX/Partnership) tax returns document is missing in file.
[2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Federal Compliance - Self-Employed Tax Return Recency - ATR: Most recent
Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application tax returns document is missing in file.
Date 07/XX/2018, Most Recent Tax Return End Date 12/XX/2016, Tax Return Due Date 03/XX/2018. (XXX XXX/S- Federal Compliance - TRID Zero Percent Tolerance Violation With
Corp) Sufficient Cure - 1026.19(f)(2) Cure: Appraisal Fee was last disclosed
[2] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self as $XXX on LE but disclosed as $XXX on Final Closing Disclosure. File
Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application does not contain a valid COC for this fee, cure provided at closing.
Date 07/XX/2018, Most Recent Tax Return End Date 12/XX/2016, Tax Return Due Date 04/XX/2018. (XXX XXX/C-
Corp 1120)
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure:
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of
$XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower. (7506)
649207978 XXX XXX 2 XXX $XXX CA 5/XX/2017 1/XX/2017 Primary Refinance ATR Risk 3 C C C C [3] Missing Document - E-sign Consent Agreement is missing.: E-sign consent agreement is missing SELLER - GENERAL 3 C C C C [3] Federal Compliance - Check Loan Designation Match - ATR Risk: Ability to Repay (Dodd-Frank 2014): Federal Compliance - General Ability To Repay Provision Investor SELLER - GENERAL COMMENT (2023/XX/18): Agree GENERAL COMMENT (2023/XX/18): Agree TILA ATR/QM
Cash-out - Disclosure: E-Sign Consent Agreement Loan was approved at XXX% exceeding 44% maximum COMMENT Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. Guidelines: Waterfall due to DTI. REVIEWER - GENERAL COMMENT (2023/XX/21): Per
Other [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: DTI. (2023/XX/XX): Max [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd- Federal Compliance - General Ability To Repay Provision Investor lenders final 1003, loan was approved with a GENERAL COMMENT (2023/XX/18): Agree
Investor qualifying total debt ratio discrepancy.: Calculated DTI for program Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. Qualification Method not Matching ATR: 10/1 ARM qualified at Note rate 44.871% DTI. Condition remains.
investor qualifying total debt ratio of XXX% exceeds Guideline total is 43%, Uwer [3] Federal Compliance - General ATR Provision Investor and Non QM DTIs don't match and both moderately per guidelines. REVIEWER - GENERAL COMMENT (2023/XX/15): GENERAL COMMENT (2023/XX/18): Max DTI for program is
debt ratio of 44.00000%. calcuated DTI at exceed Guidelines: Ability to Repay (Dodd-Frank 2014): The DTIs calculated in accordance with the Lenders Received updated 1008, however it appears the 43%, Uwer calcuated DTI at 40.870%
40.870% Guidelines of 44.69592% and based on 1026.43(c)(5) of 48.85% moderately exceed the guideline maximum of lender did not include the REO liabilities in
REVIEWER - 44.00%. (DTI Exception is eligible to be regraded with compensating factors.) the DTI. Condition remains. GENERAL COMMENT (2023/XX/18): Agree
GENERAL COMMENT [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook SELLER - GENERAL COMMENT (2023/XX/25): Disagree.
(2023/XX/XX): Per on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Final 1003/08 provided show that final GENERAL COMMENT (2023/XX/25): Disagree. Final 1003/08
lenders final [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to qualifying DTI was 36.121% dated 4/XX/2017. DTI provided show that final qualifying DTI was 36.121%
1003, loan was Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to >44% is from previous/earlier reviews but was dated 4/XX/2017. DTI >44% is from previous/earlier
approved with a applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2017) not final approved DTI. reviews but was not final approved DTI.
44.871% DTI. [2] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: REVIEWER - GENERAL COMMENT (2023/XX/27):
Condition Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR Reviewed trailing documentation. Documents GENERAL COMMENT (2023/XX/25): Disagree. Final 1003/08
remains. payment calculation methods under 1026.43(c)(5). necessary to clear the conditions were not provided show that final qualifying DTI was 36.121%
REVIEWER - [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA provided. Exception remains. dated 4/XX/2017. DTI >44% is from previous/earlier
GENERAL COMMENT Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations SELLER - GENERAL COMMENT (2023/XX/18): Agree reviews but was not final approved DTI.
(2023/XX/XX): to borrower. REVIEWER - GENERAL COMMENT (2023/XX/21): Per
Received updated [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: lenders final 1003, loan was approved with a GENERAL COMMENT (2023/XX/25): Disagree. Final 1003/08
1008, however it TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of 44.871% DTI. Condition remains. provided show that final qualifying DTI was 36.121%
appears the $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7520) REVIEWER - GENERAL COMMENT (2023/XX/15): dated 4/XX/2017. DTI >44% is from previous/earlier
lender did not Received updated 1008, however it appears the reviews but was not final approved DTI.
include the REO lender did not include the REO liabilities in
liabilities in the DTI. Condition remains. GENERAL COMMENT (2023/XX/25): Disagree. Final 1003/08
the DTI. SELLER - GENERAL COMMENT (2023/XX/25): Disagree. provided show that final qualifying DTI was 36.121%
Condition Final 1003/08 provided show that final dated 4/XX/2017. DTI >44% is from previous/earlier
remains. qualifying DTI was 36.121% dated 4/XX/2017. DTI reviews but was not final approved DTI.
SELLER - GENERAL >44% is from previous/earlier reviews but was
COMMENT not final approved DTI.
(2023/XX/XX): REVIEWER - GENERAL COMMENT (2023/XX/27):
Disagree. Final Reviewed trailing documentation. Documents
1003/08 provided necessary to clear the conditions were not
show that final provided. Exception remains.
qualifying DTI SELLER - GENERAL COMMENT (2023/XX/18): Agree
was 36.121% dated REVIEWER - GENERAL COMMENT (2023/XX/21): Per
4/XX/2017. DTI lenders final 1003, loan was approved with a
>44% is from 44.871% DTI. Condition remains.
previous/earlier REVIEWER - GENERAL COMMENT (2023/XX/15):
reviews but was Received updated 1008, however it appears the
not final lender did not include the REO liabilities in
approved DTI. the DTI. Condition remains.
REVIEWER - SELLER - GENERAL COMMENT (2023/XX/25): Disagree.
GENERAL COMMENT Final 1003/08 provided show that final
(2023/XX/XX): qualifying DTI was 36.121% dated 4/XX/2017. DTI
Reviewed trailing >44% is from previous/earlier reviews but was
documentation. not final approved DTI.
Documents REVIEWER - GENERAL COMMENT (2023/XX/27):
necessary to Reviewed trailing documentation. Documents
clear the necessary to clear the conditions were not
conditions were provided. Exception remains.
not provided. REVIEWER - CURED COMMENT (2023/XX/26):
Exception Sufficient Cure Provided At Closing
remains.
649206864 XXX XXX 1 XXX $XXX CA 6/XX/2019 4/XX/2019 Primary Refinance Non QM 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: E-Sign Consent Agreement is missing in file. 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program Federal Compliance - ARM Disclosure Timing Test: The disclosure was -
Cash-out - Disclosure: E-Sign Consent Agreement disclosure not provided to the borrower within three (3) days of application. signed at closing. Evidence the disclosure was provided to the Borrower
Home [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook within three days of application is missing.
Improvement on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Federal Compliance - CHARM Booklet Disclosure Status: Disclosure is not
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003 in file.
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Application / Processing - Missing Document: Missing Lender's Initial
Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to 1003: Signed Initial 1003 is not in file.
closing. (Initial/06/XX/2019) Federal Compliance - TRID Initial Closing Disclosure Timing without
Waiver: Evidence of Receipt of Initial Closing Disclosure 3 days prior
to closing is not in file.
649208222 XXX XXX 1 XXX $XXX CA 12/XX/2015 10/XX/2015 Primary Refinance Non QM 2 B B B B 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 REVIEWER - GENERAL COMMENT (2023/XX/30): Missing -
Rate/Term on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Business Days Prior to Consummation: Verification appraisal was CHARM Booklet provided within 3 days of
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to delivered to borrower was not provided. application.
Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on
applicant three (3) business days prior to consummation. (Type:Primary/11/XX/2015) Non Same Lender Refinance: Right to Cancel was issued on incorrect form.
[2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth TILA ROR - Provide the following: Letter of Explanation, Proof of
in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a Delivery, and Re-open Rescission using the correct model form. H-8 Form
creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been must be used as lender is not the same as originating lender.
used.
649209140 XXX XXX 1 XXX $XXX CA 9/XX/2016 8/XX/2016 Primary Purchase Non QM 2 B B B B 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - CHARM Booklet Disclosure Status: CHARM Booklet, not -
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. provided to the borrower.
[2] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account Federal Compliance - RESPA - Initial Escrow Account Statement Missing:
statement was not provided to the borrower. The final CD reflects some HOI will be escrowed, but an initial escrow
account statement is missing.
649207294 XXX XXX 1 XXX $XXX CA 12/XX/2015 10/XX/2015 Primary Refinance Non QM 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program Federal Compliance - ARM Disclosure Timing Test: Evince ARM Disclosure -
Rate/Term disclosure not provided to the borrower within three (3) days of application. was provided to the borrower within three 3 days of application not
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook provide. Lender to provide.
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Federal Compliance - CHARM Booklet Disclosure Status: Lender to provide
[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to evidence CHARM Booklet was provided to the borrower within three 3 days
Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to of application.
applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2015) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
Business Days Prior to Consummation: Evidence that borrower received
copy of appraisal within 3 business days of closing not provided.
649207479 XXX XXX 2 XXX $XXX CA 6/XX/2016 3/XX/2016 Investment Purchase N/A 2 B B B B [3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Qualifying total debt ratio of XXX% exceeds 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 -
Investor qualifying total debt ratio discrepancy.: Calculated Guideline total debt ratio of XXX% Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Verification appraisal was
investor qualifying total debt ratio of XXX% exceeds Guideline total loan to value percentage of XXX% exceeds Guideline applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2016) delivered to borrower was not provided.
debt ratio of 45.00000%. loan to value percentage of XXX%.
[3] Mortgage / Program Eligibility - Guideline Requirement: Loan to
value discrepancy.: Calculated loan to value percentage of XXX%
exceeds Guideline loan to value percentage of 65.00000%.
649207609 XXX XXX 1 XXX $XXX CA 5/XX/2019 4/XX/2019 Primary Purchase Non QM 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: E-sign Consent Agreement is missing in file. 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program Federal Compliance - ARM Disclosure Status Test: ARM loan program -
Disclosure: E-Sign Consent Agreement Coverage Amount is insufficient. A replacement disclosure not provided to the borrower. disclosure not provided to the borrower.
[3] Insurance Analysis - Insufficient Coverage: Hazard insurance cost estimator was not provided. There is a [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - CHARM Booklet Disclosure Status: Consumer Handbook
coverage amount is insufficient. shortfall in the amount of $XXX. on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. on Adjustable Rate Mortgages, CHARM Booklet is missing in file.
[3] Application / Processing - Missing Document: Flood Certificate Flood Certificate is missing from file. [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or
not provided Final 1003 is missing from file. File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at Before Closing (3-Day Waiver In File): Borrower waived right to receive
[3] Application / Processing - Missing Document: Missing Final 1003 Occupancy certificate is missing from file. least three (3) business days prior to closing, and appraisal was not provided at or before closing. a copy of the appraisal at least three business days prior to closing,
[3] Credit Documentation - Missing Document: Occupancy Certificate (Type:Secondary/04/XX/2019) Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or
not provided [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In Before Closing (3-Day Waiver In File): Borrower waived right to receive
File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at a copy of the appraisal at least three business days prior to closing.
least three (3) business days prior to closing, and appraisal was not provided at or before closing. Federal Compliance - FACTA Disclosure Missing: Creditor did not provide
(Type:Primary/04/XX/2019) FACTA Credit Score Disclosure.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Federal Compliance - RESPA Disclosure - List of Homeownership Counseling
Credit Score Disclosure. Organizations Missing: Creditor did not provide List of Homeownership
[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Counseling Organizations to borrower.
Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations Federal Compliance - TRID Initial Closing Disclosure Timing without
to borrower. Waiver: Closing Disclosure not provided to Borrower(s) at least three
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated (3) business days prior to closing.
Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to Federal Compliance - TRID Interim Closing Disclosure Timing Irregular
closing. (Initial/04/XX/2019) Transactions Test: Corrected Closing Disclosure was not received by
[2] Federal Compliance - TRID Interim Closing Disclosure Timing Irregular Transactions Test: TILA-RESPA borrower at least three business days prior to consummation
Integrated Disclosure - Corrected Closing Disclosure provided on or after 05/XX/2019 contains a change in
loan product and was not received by borrower at least three (3) business days prior to consummation
649207829 XXX XXX 2 XXX $XXX CA 4/XX/2016 2/XX/2016 Primary Refinance Non QM 2 B B B B [3] Guideline Issue - Aged document: Asset Account date is more than All bank statements exceed the 90 day age of 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - CHARM Booklet Disclosure Status: Disclosure is not -
Rate/Term 90 days prior to Closing.: Financial Institution: XXX // Account document limit. Please provide an updated on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. in file.
Type: Stocks / Account Number: XXX, Financial Institution: XXX // consecutive bank statement for all accounts. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
Account Type: Mutual Funds / Account Number: XXX, Financial Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Evidence of appraisal delivery 3
Institution: XXX // Account Type: Individual Retirement Account (IRA) applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2016) days prior to closing is not in file.
/ Account Number: XXX, Financial Institution: XXX // Account Type: [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
Individual Retirement Account (IRA) / Account Number: XXX, Financial Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Evidence of appraisal delivery 3
Institution: XXX // Account Type: Mutual Funds / Account Number: XXX, applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2016) days prior to closing is not in file.
Financial Institution: XXX // Account Type: Mutual Funds / Account [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 Application / Processing - Missing Document: Missing Lender's Initial
Number: xxxx, Financial Institution: XXX // Account Type: Mutual [2] Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent Change Frequency: TILA-RESPA 1003: Signed Initial 1003 is not in file.
Funds / Account Number: XXX, Financial Institution: XXX // Account Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 04/XX/2016 Federal Compliance - TRID Final Closing Disclosure AIR Table Subsequent
Type: Mutual Funds / Account Number: XXX, Financial Institution: XXX disclosed a Subsequent Changes frequency that does not match the actual subsequent change frequency for the Change Frequency: Adjustable Interest Rate Table: Final Closing
// Account Type: Mutual Funds / Account Number: XXX loan. (Final/04/XX/2016) Disclosure provided on 04/XX/2016 disclosed a Subsequent Changes
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated frequency that does not match the actual subsequent change frequency for
Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to the loan.
closing. (Final/04/XX/2016) Federal Compliance - TRID Initial Closing Disclosure Timing without
Waiver: Evidence of receipt of Initial Closing Disclosure 3 days prior
to closing is not in file.
649207202 XXX XXX 1 XXX $XXX WA 11/XX/2022 11/XX/2022 Primary Refinance Exempt from 1 A A A A [2] Insufficient Coverage - The Hazard Insurance Policy effective SELLER - GENERAL 1 A A A A GENERAL COMMENT (2023/XX/26): HOI showing coverage Borrower has -
Cash-out - ATR date is after the funds disbursed.: Hazard Insurance Policy Effective COMMENT prior to disbursement date verified
Other Date 12/XX/2022; Disbursement Date: 11/XX/2022; Note Date: (2023/XX/XX): HOI disposable
11/XX/2022; Transaction Date: 11/XX/2022 showing coverage GENERAL COMMENT (2023/XX/31): Please review new doc income of at
prior to uploaded showing policy period 12/2021 to 12/2022 loan least $XXX.
disbursement date closed 11/2022
REVIEWER - The Loan to
GENERAL COMMENT GENERAL COMMENT (2023/XX/31): Policy attached. Value (LTV) on
(2023/XX/XX): the loan is
Term dates were GENERAL COMMENT (2023/XX/01): policy shows effective less than the
not located between 12/2021-12/2022 guideline
within the policy maximum by at
provided. least 10%.
Exception remains
open. The qualifying
SELLER - GENERAL DTI on the loan
COMMENT is at least 10%
(2023/XX/XX): less than the
Please review new guideline
doc uploaded maximum.
showing policy
period [Redacted]
to [Redacted]
loan closed
[Redacted]
SELLER - GENERAL
COMMENT
(2023/XX/XX):
Policy attached.
REVIEWER -
GENERAL COMMENT
(2023/XX/XX):
Trailing document
received does not
have a policy
effective date or
policy expiration
date. Exception
remains.
SELLER - GENERAL
COMMENT
(2023/XX/XX):
policy shows
effective between
[Redacted]-
[Redacted]
REVIEWER - RE-
GRADED COMMENT
(2023/XX/XX):
[Redacted]
acknowledges
exception and
elects to
regrade.
649208553 XXX XXX 1 XXX $XXX CT 1/XX/2020 12/XX/2019 Primary Purchase Temporary 1 A A A A 1 A A A A -
SHQM
(GSE/Agency
Eligible)
649208749 XXX XXX 2 XXX $XXX NY 2/XX/2020 1/XX/2020 Primary Refinance Temporary 2 B B B B 2 B B B B [2] State Compliance - New York Late Charge Percent Testing: New York Late Charge: Note late charge percent State Compliance - New York Late Charge Percent Testing: Note late -
Rate/Term SHQM of 5.00000% exceeds the state maximum of 2%. charge percent of 5.00000% exceeds the state maximum of 2%
(GSE/Agency [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without
Eligible) Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds Sufficient Cure Provided: Zero percent tolerance fee exceeded for
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304) Transfer Tax Fee. Fee was last disclosed as $XXX on LE but disclosed as
$XXX on Final Closing Disclosure. The file does not contain a valid
COC for this fee, nor a cure.
649207624 XXX XXX 1 XXX $XXX CO 8/XX/2022 7/XX/2022 Primary Purchase Safe Harbor 2 B B B B 2 B B B B [2] Federal Compliance - Self-Employed Tax Return Recency - QM: General QM: Self Employed Tax Returns - The Federal Compliance - Self-Employed Tax Return Recency - QM: 4868 Tax -
QM (APOR) business or personal tax returns provided are not the most recent. Application Date 07/XX/2022, Most return Extension for is available in the file
Recent Tax Return End Date 12/XX/2020, Tax Return Due Date 04/XX/2022. (XXX XXX/Schedule C) Federal Compliance - Self-Employed Tax Return Recency - QM: 4868 Tax
[2] Federal Compliance - Self-Employed Tax Return Recency - QM: General QM: Self Employed Tax Returns - The return Extension for is available in the file- please override
business or personal tax returns provided are not the most recent. Application Date 07/XX/2022, Most
Recent Tax Return End Date 12/XX/2020, Tax Return Due Date 04/XX/2022. (XXX XXX/Schedule C)
649207561 XXX XXX 2 XXX $XXX TX 12/XX/2022 8/XX/2022 Primary Purchase Safe Harbor 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: -
QM (APOR) Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to The disclosed Amount Financed in the amount of $XXX is over disclosed by
applicant three (3) business days prior to consummation. (Type:Primary/12/XX/2022) $XXX compared to the calculated Amount Financed of $XXX and the
[2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated disclosed Finance Charge is not accurate within applicable tolerances
Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2022 disclosed an Amount for Amount Financed to be considered accurate (fee amounts included in
Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is Amount Financed and Finance Charge calculations are based on Closing
over disclosed by $XXX compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge Disclosure dated 12/XX/2022). (Final/12/XX/2022)
is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts Federal Compliance - TRID Final Closing Disclosure Finance Charge: The
included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated disclosed Finance Charge in the amount of $XXX is under disclosed by
12/XX/2022). (Final/12/XX/2022) $XXX compared to the calculated Finance Charge of $XXX which exceeds the
[2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - $XXX threshold (fee amounts included in Finance Charge calculation are
Loan Calculations: Final Closing Disclosure provided on 12/XX/2022 disclosed an inaccurate Finance Charge based on Closing Disclosure dated 12/XX/2022). (Final/12/XX/2022)
on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the Federal Compliance - TRID Ten Percent Tolerance Violation Without
amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds Sufficient Cure Provided: Recording fee was increased on 08/XX/2022 Loan
the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure Estimate and again on 12/XX/2022 CD with no valid change evident.
dated 12/XX/2022). (Final/12/XX/2022) Federal Compliance - TRID Zero Percent Tolerance Violation Without
[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Sufficient Cure Provided: Valid cure document or Change of circumstance
Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX not provided.
plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) Federal Compliance - TRID Zero Percent Tolerance Violation Without
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Sufficient Cure Provided: Valid cure document or Change of circumstance
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Certificate Fee. Fee Amount of $XXX not provided.
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (77159)
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200)
649206830 XXX XXX 2 XXX $XXX MA 10/XX/2019 3/XX/2019 Primary Purchase Temporary 2 B B B B [3] Application / Processing - Missing Document: Fraud Report not 2 B B B B [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In Federal Compliance - TRID Ten Percent Tolerance Violation Without -
SHQM provided File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at Sufficient Cure Provided: Ten Percent Fee Tolerance of $XXX exceeds
(GSE/Agency least three (3) business days prior to closing, and appraisal was not provided at or before closing. tolerance allowed of $XXX plus 10%. No valid change of circumstance nor
Eligible) (Type:Primary/04/XX/2019) cure was provided to the borrower.
[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA
Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX
plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0)
649209033 XXX XXX 1 XXX $XXX TX 7/XX/2023 5/XX/2023 Primary Refinance Safe Harbor 2 A A A A 2 A A A A [2] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee REVIEWER - CURED COMMENT (2024/XX/23): -
Cash-out - QM (APOR) the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): cannot conclusively rely on the Value on the Acknowledgement of Fair Sufficient Cure Provided At Closing
Other Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Market Value as the loan file does not contain an Appraisal): Test
Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file performed using stated value.
other than appraisal.
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing:
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount
of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing.
(7588)
649208168 XXX XXX 1 XXX $XXX CA 3/XX/2021 11/XX/2020 Primary Refinance Temporary 1 A A A A 1 A A A A -
Cash-out - SHQM
Other (GSE/Agency
Eligible)
649207019 XXX XXX 1 XXX $XXX NY 12/XX/2021 10/XX/2021 Primary Refinance Safe Harbor 1 A A A A [3] Document Error - Missing verification of the existance of self- File is missing third party verification of self 1 A A A A [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: REVIEWER - CURED COMMENT (2024/XX/28): -
Rate/Term QM (APOR) employed business within 20 days of the Note Date (COVID-19).: employment for Uber. TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of Sufficient Cure Provided At Closing
Borrower: XXX // Employment Type: Employment / Income Type: Sole $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7506)
Proprietor / Start Date: 01/XX/2016, Borrower: XXX // Employment
Type: Employment / Income Type: Sole Proprietor / Start Date:
01/XX/2016 Application Date: 10/XX/2021;
Application Date: 10/XX/2021;
649207123 XXX XXX 2 XXX $XXX FL 4/XX/2022 1/XX/2022 Primary Purchase Safe Harbor 1 A A A A 1 A A A A [1] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - REVIEWER - CURED COMMENT (2024/XX/25): -
QM (APOR) Overdisclosed Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided Monthly Escrow Payment Overdisclosed Test: Final Closing Disclosure Sufficient Cure Provided At Closing
on 04/XX/2022 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the provided on 04/XX/2022 disclosed the Monthly Escrow Payment that does
loan. (Final/04/XX/2022) not match the actual escrow payment for the loan.
649207390 XXX XXX 1 XXX $XXX NJ 1/XX/2022 3/XX/2021 Primary Refinance Safe Harbor 2 B B B B [3] Loan File - Missing Document: Hazard Insurance Policy not Hazard Insurance Policy document not provided. 2 B B B B [2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA- Federal Compliance - TRID Lender Credit Tolerance Violation Without -
Rate/Term QM (APOR) provided RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of Sufficient Cure Provided: Fee disclosed was last disclosed as -$XXX on
$XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300) LE but disclosed as $XXX on Final Closing Disclosure. File does not
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA contain a valid COC for this fee, cure provided at closing.
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Subordination Fee. Fee Amount of $XXX Federal Compliance - TRID Zero Percent Tolerance Violation Without
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7559) Sufficient Cure Provided: Fee was not disclosed on Loan Estimate. File
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA does not contain a valid COC for this fee, nor evidence of cure ..
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of Federal Compliance - TRID Zero Percent Tolerance Violation Without
$XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75103) Sufficient Cure Provided: Fee was not disclosed on Loan Estimate. File
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA does not contain a valid COC for this fee, nor evidence of cure ..
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX Federal Compliance - TRID Zero Percent Tolerance Violation Without
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) Sufficient Cure Provided: Fee was not disclosed on Loan Estimate. File
does not contain a valid COC for this fee, nor evidence of cure ..
649206976 XXX XXX 1 XXX $XXX CA 9/XX/2021 2/XX/2021 Primary Purchase Temporary 2 B B B B [3] Application / Processing - Missing Document: Fraud Report not Fraud report is missing in the file. 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 -
SHQM provided Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Dated Appraisal delivery receipt is
(GSE/Agency applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2021) not provided.
Eligible) [2] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees
TRID Final Closing Disclosure 09/XX/2021 on a first lien purchase transaction did not disclose any Seller Primary Residence First Lien: No seller paid fees under closing
paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/09/XX/2021) disclosure.
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304) Transfer Tax. Fee Amount of $XXX exceeds tolerance of $XXX. No cure was
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA provided to the borrower.
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Management Company (Appraisal Federal Compliance - TRID Zero Percent Tolerance Violation Without
Review). Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for
borrower. (7358) Appraisal Management Company (Appraisal Review). Fee Amount of $XXX
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA exceeds tolerance of $XXX. No cure was provided to the borrower.
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX Federal Compliance - TRID Zero Percent Tolerance Violation Without
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Loan
Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. No cure
was provided to the borrower.
649208154 XXX XXX 1 XXX $XXX CA 9/XX/2021 8/XX/2021 Primary Refinance Safe Harbor 1 A A A A 1 A A A A [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Federal Compliance - TRID Zero Percent Tolerance Violation With REVIEWER - CURED COMMENT (2024/XX/23): -
Rate/Term QM (APOR) TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of Sufficient Cure Provided At Closing: Fee Amount of $XXX exceeds Sufficient Cure Provided At Closing
$XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) tolerance of $XXX. Sufficient or excess cure was provided to the
borrower at Closing.
649208536 XXX XXX 1 XXX $XXX NY 1/XX/2022 11/XX/2021 Primary Purchase Safe Harbor 2 B B B B 2 B B B B [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Federal Compliance - RESPA Disclosure - List of Homeownership Counseling -
QM (APOR) Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations Organizations Missing: List of Homeownership Counseling Organizations
to borrower. was not provided to borrower.
[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Ten Percent Tolerance Violation Without
Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total
plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Vartance due
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA to increase in Recording Fee. No valid changed circumstance was
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXX exceeds provided. No cure was provided to the Borrower.
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75174) Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Survey
Fee. Fee Amount of $XXX exceeds tolerance of $XXX. No valid changed
circumstance was provided. No cure was provided to the Borrower.
649207221 XXX XXX 2 XXX $XXX WA 10/XX/2021 9/XX/2021 Primary Refinance Safe Harbor 2 B B B B [3] Application / Processing - 1003/Declarations: D. 1. Have you or 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to -
Cash-out - QM (APOR) will you be applying for a mortgage loan on another property (not the Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to
Other property securing this loan) on or before closing this transaction applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2021)
that is not disclosed on this loan application? was entered Yes.
Unable to determine qualification without this information.:
Borrower: XXX
[3] Income Documentation - REO Documents are missing.: Address: XXX,
WA HOA Verification, Insurance Verification, Statement, Tax
Verification
[3] Document Error - Tax Return end date is more than 90 days prior
to note date. P&L was not found in file. (GSE COVID-19): Borrower:
XXX // Employment Type: Employment / Income Type: Sole Proprietor /
Start Date: 01/XX/2019 Note Date: 10/XX/2021;
Calendar End Date: 12/XX/2020;
649207140 XXX XXX 1 XXX $XXX CA 9/XX/2021 10/XX/2020 Primary Purchase Temporary 2 B B B B [3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Property DU reflect property as a PUD and property type 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 -
SHQM type discrepancy.: Appraisal property type of Single Family Detached according to appraisal is a single family Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Creditor did not provide a copy of
(GSE/Agency does not match AUS property type of PUD. residence. applicant three (3) business days prior to consummation. (Type:Primary/09/XX/2021) each valuation to applicant three (3) business days prior to
Eligible) [3] Application / Processing - Missing Document: Fraud Report not [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA consummation.
provided Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees
to borrower. Primary Residence First Lien: Final buyer's Closing Disclosure does not
[2] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: disclose any seller paid fees.
TRID Final Closing Disclosure 09/XX/2021 on a first lien purchase transaction did not disclose any Seller Federal Compliance - TRID Zero Percent Tolerance Violation Without
paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/09/XX/2021) Sufficient Cure Provided: Transfer Tax was disclosed Loan Estimate as
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA $XXX and increased to $XXX on the final Closing Disclosure. No valid COC
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds in file and no cure provided at closing.
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304) Federal Compliance - TRID Zero Percent Tolerance Violation Without
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Sufficient Cure Provided: Loan Discount Point $XXX disclosed on the
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX final Closing Disclosure was not disclosed on the Loan Estimate. No
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) valid COC in file and no cure provided at closing.
649207759 XXX XXX 2 XXX $XXX NY 6/XX/2022 5/XX/2022 Investment Refinance N/A 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA -
Cash-out - Credit Score Disclosure.
Other
649206807 XXX XXX 2 XXX $XXX PA 5/XX/2021 4/XX/2021 Primary Purchase Temporary 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 -
SHQM Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Creditor did not provide a copy of
(GSE/Agency applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2021) each valuation to applicant three (3) business days prior to
Eligible) [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date consummation.
not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees
rate used for testing. Primary Residence First Lien: Final Closing Disclosure 05/XX/2021 on a
[2] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: first lien purchase transaction did not disclose any Seller paid
TRID Final Closing Disclosure 05/XX/2021 on a first lien purchase transaction did not disclose any Seller fees/charges on page 2
paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/05/XX/2021)
649206995 XXX XXX 1 XXX $XXX DE 12/XX/2021 11/XX/2021 Primary Purchase Safe Harbor 2 B B B B 2 B B B B [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without -
QM (APOR) Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $XXX Sufficient Cure Provided: Pest Inspection Fee was last disclosed as $XXX
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7713) on Loan Estimate but disclosed as $XXX on Final Closing Disclosure. File
does not contain a valid change of circumstance for this fee, no cure
provided.
649209197 XXX XXX 1 XXX $XXX AZ 9/XX/2021 8/XX/2021 Second Refinance Safe Harbor 2 B B B B [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline The AUS required an Appraisal which is missing. 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Federal Compliance - TRID Zero Percent Tolerance Violation Without -
Home Cash-out - QM (APOR) Findings: All conditions were not met The AUS required an Appraisal which is missing. Credit Score Disclosure. Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Loan
Other [3] Appraisal Documentation - Missing Document: Appraisal not [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. No valid
provided Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX changed circumstance was provided. No cure was provided to the Borrower.
[3] Loan File - Missing Document: Hazard Insurance Policy not exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200)
provided
[3] Application / Processing - Missing Valuation:: Valuation Type:
Appraisal / Valuation Report Date: <empty> Appraisal is missing
649208783 XXX XXX 2 XXX $XXX NC 5/XX/2022 3/XX/2022 Primary Refinance Non QM 2 B B B B 2 B B B B [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay Federal Compliance - Check Restated Loan Designation Match - General -
Cash-out - (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Ability to Repay: Designation has been restated.
Other Designation of Non QM matches the Due Diligence Loan Designation of Non QM. Federal Compliance - TRID Zero Percent Tolerance Violation Without
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Loan
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX Discount Points. Fee Amount of $XXX exceeds tolerance of $XXX. No valid
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) changed circumstance was provided. No cure was provided to the Borrower.
649208210 XXX XXX 1 XXX $XXX NJ 11/XX/2021 9/XX/2021 Primary Purchase Safe Harbor 2 B B B B [3] Application / Processing - Missing Document: Fraud Report not 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 -
QM (APOR) provided Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Appraisal report dated 10/XX/2021
applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2021) missing evidence of receipt.
[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date
not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine
rate used for testing.
649207463 XXX XXX 2 XXX $XXX IL 10/XX/2021 9/XX/2021 Primary Refinance Non QM 2 B B B B 2 B B B B [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay Federal Compliance - Check Restated Loan Designation Match - General -
Rate/Term (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Ability to Repay: Designation has been restated.
Designation of Non QM matches the Due Diligence Loan Designation of Non QM. Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year
[2] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 1 Underdisclosed - October 2018: Non- Escrowed Property Cost over Year 1
2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of on on Final Closing Disclosure provided on 10/XX/2021 are under disclosed.
Final Closing Disclosure provided on 10/XX/2021 are underdisclosed. (Final/10/XX/2021)
649207968 XXX XXX 1 XXX $XXX FL 12/XX/2021 8/XX/2021 Primary Refinance Safe Harbor 2 B B B B 2 B B B B [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without -
Cash-out - QM (APOR) Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $XXX Sufficient Cure Provided: Appraisal Review Fee was last disclosed as
Other exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75104) $XXX on Loan Estimate but disclosed as $XXX on Final Closing Disclosure.
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA File does not contain a valid Change of circumstance for this fee, nor
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of evidence of cure in file.
$XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75103) Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: Appraisal Re- Inspection Fee was last
disclosed as $XXX on Loan Estimate but disclosed as $XXX on Final
Closing Disclosure. File does not contain a valid Change of circumstance
for this fee, nor evidence of cure in file.
649207280 XXX XXX 1 XXX $XXX WI 10/XX/2021 7/XX/2021 Primary Refinance Safe Harbor 2 B B B B 2 B B B B [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date Federal Compliance - (Missing Data) Last Rate Set Date: Rate lock date -
Cash-out - QM (APOR) not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine not provided.
Other rate used for testing. Federal Compliance - TRID Lender Credit Tolerance Violation Without
[2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA- Sufficient Cure Provided: Fee disclosed was last disclosed as $XXX on
RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of LE but disclosed as $XXX on Final Closing Disclosure. File does not
$XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300) contain a valid COC for this fee, cure provided at closing.
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX Sufficient Cure Provided: The Loan Discount Point Fee was not disclosed
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) on initial Loan Estimate, but it appeared on the closing disclosure as
$XXX. File does not contain a valid COC for this fee, nor evidence of
cure.
649208731 XXX XXX 1 XXX $XXX NY 11/XX/2021 9/XX/2021 Primary Purchase Safe Harbor 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Federal Compliance - FACTA Disclosure Missing: Creditor did not provide -
QM (APOR) Credit Score Disclosure. FACTA Credit Score Disclosure.
[2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Federal Compliance - TRID Closing Disclosure Issue Date Not Provided:
Closing Disclosure estimated to be provided on 09/XX/2021 did not disclose the actual Date Issued. Unable Closing Disclosure estimated to be provided on 09/XX/2021 did not
to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID disclose the actual Date Issued. Unable to conclusively determine Final
timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to Closing disclosure to use to test for compliance with applicable TRID
missing Issue Date. Tested using an estimated Date Issued based on best information available. timing requirements, TRID fee tolerance testing or accuracy of
(Initial/09/XX/2021) disclosures at or before consummation due to missing Issue Date. Tested
[2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: using an estimated Date Issued based on best information available
Closing Disclosure estimated to be provided on 09/XX/2021 did not disclose the actual Date Issued. Unable Federal Compliance - TRID Closing Disclosure Issue Date Not Provided:
to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID Closing Disclosure estimated to be provided on 09/XX/2021 did not
timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to disclose the actual Date Issued. Unable to conclusively determine Final
missing Issue Date. Tested using an estimated Date Issued based on best information available. Closing disclosure to use to test for compliance with applicable TRID
(Interim/09/XX/2021) timing requirements, TRID fee tolerance testing or accuracy of
[2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: disclosures at or before consummation due to missing Issue Date. Tested
Closing Disclosure estimated to be provided on 09/XX/2021 did not disclose the actual Date Issued. Unable using an estimated Date Issued based on best information available
to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID Federal Compliance - TRID Closing Disclosure Issue Date Not Provided:
timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to Closing Disclosure estimated to be provided on 09/XX/2021 did not
missing Issue Date. Tested using an estimated Date Issued based on best information available. disclose the actual Date Issued. Unable to conclusively determine Final
(Interim/09/XX/2021) Closing disclosure to use to test for compliance with applicable TRID
[2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: timing requirements, TRID fee tolerance testing or accuracy of
Closing Disclosure estimated to be provided on 09/XX/2021 did not disclose the actual Date Issued. Unable disclosures at or before consummation due to missing Issue Date. Tested
to conclusively determine Final Closing disclosure to use to test for compliance with applicable TRID using an estimated Date Issued based on best information available
timing requirements, TRID fee tolerance testing or accuracy of disclosures at or before consummation due to Federal Compliance - TRID Closing Disclosure Issue Date Not Provided:
missing Issue Date. Tested using an estimated Date Issued based on best information available. Closing Disclosure estimated to be provided on 09/XX/2021 did not
(Interim/09/XX/2021) disclose the actual Date Issued. Unable to conclusively determine Final
[2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA- Closing disclosure to use to test for compliance with applicable TRID
RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of timing requirements, TRID fee tolerance testing or accuracy of
-$XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300) disclosures at or before consummation due to missing Issue Date. Tested
[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA using an estimated Date Issued based on best information available
Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX Federal Compliance - TRID Lender Credit Tolerance Violation Without
plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) Sufficient Cure Provided: Lender Credit disclosed as $XXX on LE dated
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA 09/XX/2021, but disclosed as $XXX on Final Closing Disclosure.
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX exceeds Insufficient or no cure was provided to the borrower.
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (8304) Federal Compliance - TRID Ten Percent Tolerance Violation Without
Sufficient Cure Provided: $XXX violation due to increase in Recording
Fees. Insufficient or no cure was provided to the borrower.
Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: Transfer Tax Fee disclosed as $XXX on LE dated
09/XX/2021, but disclosed as $XXX on Final Closing Disclosure.
Insufficient or no cure was provided to the borrower.
649208915 XXX XXX 2 XXX $XXX WI 10/XX/2021 8/XX/2021 Primary Purchase Safe Harbor 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Federal Compliance - FACTA Disclosure Missing: Creditor did not provide REVIEWER - CURED COMMENT (2024/XX/23): -
QM (APOR) Credit Score Disclosure. FACTA Credit Score Disclosure. Sufficient Cure Provided At Closing
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing:
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of
$XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7506)
649208832 XXX XXX 2 XXX $XXX IL 5/XX/2022 1/XX/2022 Primary Purchase HUD Safe 2 B B B B [2] General - Loan has been identified as FHA/VA/USDA: Mortgage Type: Mortgage Type is FHA documentation in file 2 B B B B [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date Federal Compliance - (Missing Data) Last Rate Set Date: Rate Set Date is -
Harbor QM FHA not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine missing.
rate used for testing. Federal Compliance - TRID Zero Percent Tolerance Violation Without
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Sufficient Cure Provided: Appraisal Re- Inspection Fee increased from
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $XXX to $XXX, an increase of $XXX, without a Changed Circumstance form
$XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75103) in file. A cure of $XXX was provided.
649207450 XXX XXX 2 XXX $XXX IL 1/XX/2022 10/XX/2021 Primary Refinance Safe Harbor 2 B B B B [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline AUS is missing in file. 2 B B B B [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without -
Cash-out - QM (APOR) Findings: All conditions were not met File is missing final AUS; final 1008 showing AUS Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX Sufficient Cure Provided: Zero percent tolerance Loan Discount Points
Other [3] Application / Processing - Missing Document: AUS not provided approved was used for review. exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) Fee disclosed as $XXX on Loan Estimate dated 10/XX/2021 but disclosed as
$XXX on Final Closing Disclosure. A valid COC nor cure were not
provided.
649208162 XXX XXX 2 XXX $XXX OH 3/XX/2022 1/XX/2022 Primary Purchase Safe Harbor 3 C C C C [3] Missing Document - CAIVRS Authorization is missing.: Disclosure: CAIVRS Authorization not provided [3] Appraisal 3 C C C C [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Federal Compliance - Check Loan Designation Match - QM: Originator Loan TILA ATR/QM
QM (43-Q) CAIVRS Authorization (Government Documents) Lead Based Paint attachment not provided Documentation Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Designation of HUD Safe Harbor QM does not match Due Diligence Loan
[3] Government Documentation - FHA MIP Error (Non-Borrower Paid):: - Missing Harbor QM (43-Q). Designation of Safe Harbor QM
Date Issued: 03/XX/2022 Calculated FHA upfront premium of $XXX does Document: [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is Federal Compliance - HUD QM AU Finding Fail: Subject loan is not
not match the mortgage insurance premium collected on the Closing Appraisal was not eligible to be insured or guaranteed by FHA. eligible to be insured or guaranteed by FHA.
Disclosure of . made "subject [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
[3] Mortgage / Program Eligibility - Guideline Requirement: Combined to" and Form Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Acopy of each valuation to
High loan to value discrepancy.: Calculated high loan to value 1004D/442 was applicant three (3) business days prior to consummation. (Type:Secondary/02/XX/2022) applicant three (3) business days prior to consummation
percentage of XXX% exceeds Guideline high loan to value percentage of not provided.: [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3
95.00000% Valuation Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: A copy of each valuation to
[3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Type: applicant three (3) business days prior to consummation. (Client:5228/01/XX/2022) applicant three (3) business days prior to consummation
Combined loan to value discrepancy.: Calculated combined loan to Appraisal / [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Federal Compliance - FACTA Disclosure Missing: ACTA Credit Score
value percentage of XXX% exceeds Guideline combined loan to value Valuation Credit Score Disclosure. Disclosure not provided
percentage of 95.00000%. Report Date: [2] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of
[3] Mortgage / Program Eligibility - Guideline Requirement: Loan to 02/XX/2022 originally intended loan type though the loan is no longer FHA insured Receipt of Home Mortgage Loan Information Document Not Retained by
value discrepancy.: Calculated loan to value percentage of XXX% [2] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Lender): Acknowledgement of Receipt of Home Mortgage Loan Information
exceeds Guideline loan to value percentage of 95.00000%. Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt Document not provided
[3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: of Home Mortgage Loan Information Document not retained by lender. State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close
PITIA reserves months discrepancy.: Calculated PITIA months reserves [2] State Compliance - Ohio Consumer Sales Practices Act (Right Not To Close Disclosure Not Provided): Ohio Disclosure Not Provided): Right Not To Close Disclosure not provided
of XXX is less than Guideline PITIA months reserves of XXX. Consumer Sales Practices Act: Borrower not provided Right Not To Close Disclosure. Federal Compliance - RESPA Disclosure - List of Homeownership Counseling
[3] Government Documentation - Lead Based Paint Attachment - Attached [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Organizations Missing: List of Homeownership Counseling Organizations to
to Purchase Contract is missing.: Disclosure: FHA - Lead Based Paint Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations borrower not provided
Attachment - Attached to Purchase Contract (Government Documents) to borrower. Federal Compliance - TRID Zero Percent Tolerance Violation Without
[3] Government Documentation - Real Estate Certification is missing.: [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit
Disclosure: FHA - Real Estate Certification (Government Documents) Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $XXX Report Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient
[3] Guideline Issue - Recent sale within 90 days is not eligible per exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7520) or no cure was provided to the borrower
FHA guidelines.: Valuation Type: Appraisal / Valuation Report Date: [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without
02/XX/2022 Last Sale Date: 11/XX/2021; Case Number Assignment Date: Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $XXX exceeds Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Survey
01/XX/2022 tolerance of $XXX. Insufficient or no cure was provided to the borrower. (75174) Fee. Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no
[3] Guideline Issue - Recent sale within 90 days is not eligible per cure was provided to the borrower.
FHA guidelines.: Valuation Type: Appraisal / Valuation Report Date:
02/XX/2022 Last Sale Date: 11/XX/2021; Case Number Assignment Date:
01/XX/2022
[2] General - Loan has been identified as FHA/VA/USDA: Mortgage Type:
FHA
649209038 XXX XXX 1 XXX $XXX MI 10/XX/2021 6/XX/2021 Primary Refinance Safe Harbor 2 B B B B [3] Loan File - Missing Document: Hazard Insurance Policy not The hazard insurance policy is missing 2 B B B B [2] State Compliance - Michigan CMPA Home Loan Toolkit Status: Michigan Consumer Mortgage Protection Act: State Compliance - Michigan CMPA Home Loan Toolkit Status: The file was -
Rate/Term QM (APOR) provided Provide document to verify Non-US Citizenship. Home Loan Toolkit not provided to borrower. missing a copy of the Your Home Loan Toolkit disclosure or proof of the
[3] General - Missing Document: Verification of Non-US Citizen Status [2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA- borrower's receipt within 3 days of originator application date.
not provided RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of Federal Compliance - TRID Lender Credit Tolerance Violation Without
$XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300) Sufficient Cure Provided: Lender credit was last disclosed as -$XXX on
[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Loan estimate but disclosed as $XXX on Final Closing Disclosure. File
Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX does not contain a valid Changed of Circumstance for this fee, nor
plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) evidence of cure in file. Provide a post-close Closing disclosure
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA disclosing the tolerance cure to include -$XXX, a copy of refund check,
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $XXX proof of delivery, and a copy of the letter of explanation sent to the
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7200) borrower disclosing the changes made.
Federal Compliance - TRID Ten Percent Tolerance Violation Without
Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total
amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX
Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: The loan discount point was not previously
disclosed to the borrower on the loan estimate but it appeared on the
closing disclosure as $XXX with no cure provided.
649207213 XXX XXX 2 XXX $XXX CO 9/XX/2020 8/XX/2020 Primary Purchase Safe Harbor 1 A A A A 1 A A A A [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Federal Compliance - TRID Zero Percent Tolerance Violation With REVIEWER - CURED COMMENT (2024/XX/24): -
QM TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $XXX Sufficient Cure Provided At Closing: The Tolerance Cure was reflected on Sufficient Cure Provided At Closing
exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (8304) the Closing Disclosure.
649209115 XXX XXX 1 XXX $XXX MA 12/XX/2019 11/XX/2019 Primary Refinance Safe Harbor 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 -
Rate/Term QM Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to Business Days Prior to Consummation: Proof of appraisal delivery dated
applicant three (3) business days prior to consummation. (Type:Primary/12/XX/2019) 12/XX/2019 is missing.
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Federal Compliance - TRID Initial Closing Disclosure Timing without
Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to Waiver: Initial Closing Disclosure issued on 12/XX/2019 is not signed by
closing. (Initial/12/XX/2019) the borrower
649207191 XXX XXX 1 XXX $XXX CA 2/XX/2020 1/XX/2020 Primary Purchase Temporary 1 A A A A 1 A A A A -
SHQM
(GSE/Agency
Eligible)
649206982 XXX XXX 1 XXX $XXX NY 2/XX/2020 9/XX/2019 Primary Refinance Temporary 2 B B B B [3] Application / Processing - Missing Document: Fraud Report not 2 B B B B [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule Federal Compliance - TRID Lender Credit Tolerance Violation Without -
Limited Cash- SHQM provided (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Sufficient Cure Provided: Lender Credit Fee was last disclosed as -$XXX
out GSE (GSE/Agency Unable to determine compliance with appraisal timing requirements. (Type:Primary/01/XX/2020) on LE but disclosed as -$XXX on Final Closing Disclosure. File does not
Eligible) [2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA- contain a valid Change of Circumstance for this fee, nor a cure.
RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of Federal Compliance - TRID Ten Percent Tolerance Violation Without
-$XXX exceeds tolerance of -$XXX. Insufficient or no cure was provided to the borrower. (9300) Sufficient Cure Provided: 10% tolerance was exceeded by $XXX . No valid
[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Change of Circumstance provided, nor evidence of cure in file.
Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX Federal Compliance - TRID Zero Percent Tolerance Violation Without
plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) Sufficient Cure Provided: Administration Fee was not disclosed on Loan
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Estimate. File does not contain a valid Change of Circumstance for this
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $XXX fee, nor evidence of cure.
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7755) Federal Compliance - TRID Zero Percent Tolerance Violation Without
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Sufficient Cure Provided: Reinspection Fee was not disclosed on Loan
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $XXX Estimate. File does not contain a valid Change of Circumstance for this
exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7552) fee, nor evidence of cure.
649207862 XXX XXX 2 XXX $XXX CA 11/XX/2020 10/XX/2020 Primary Refinance Temporary 2 B B B B [3] Asset Calculation / Analysis - Available for Closing is No asset verification provided. Per final Closing 2 B B B B [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or -
Rate/Term SHQM insufficient to cover Cash From Borrower.: Documented qualifying Disclosure, funds from borrower are $XXX. File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at Before Closing (3-Day Waiver In File): Neither evidence of appraisal
(GSE/Agency Assets for Closing of $XXX is less than Cash From Borrower $XXX. Additionally, source of fees paid prior to closing least three (3) business days prior to closing, and appraisal was not provided at or before closing. delivery nor compliant acknowledgment of receipt signed at closing is
Eligible) ($XXX) are not verified. (Type:Primary/11/XX/2020) provided.
649207264 XXX XXX 2 XXX $XXX NY 1/XX/2021 11/XX/2020 Primary Refinance Temporary 2 B B B B [3] Insurance Analysis - Insufficient Coverage: Hazard insurance HOI coverage is insufficient by $XXX. Provide 2 B B B B [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: -
Cash-out - SHQM coverage amount is insufficient. verification of policy with sufficient coverage OR Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/XX/2021 disclosed an Amount Final Closing Disclosure reflects Amount Finance of $XXX but calculated
Other (GSE/Agency provide copy of insurer's replacement cost estimate Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is Amount Finance of $XXX. Variance = $XXX. Lender to provide corrected CD
Eligible) supporting current coverage amount. over disclosed by $XXX compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge and copy of letter sent to borrower explaining changes.
is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final
included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated Closing Disclosure reflects Finance Charge of $XXX but calculated
01/XX/2021). (Final/XX/20/2021) Finance Charge of $XXX.Variance = -$XXX. Lender to provide corrected CD
[2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - and copy of letter sent to borrower explaining changes.
Loan Calculations: Final Closing Disclosure provided on 01/XX/2021 disclosed an inaccurate Finance Charge Federal Compliance - TRID Ten Percent Tolerance Violation Without
on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the Sufficient Cure Provided: Total amount of $XXX exceeds tolerance of $XXX
amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds plus 10% or $XXX. Insufficient or no cure was provided to the borrower.
the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure (0)
dated 01/XX/2021). (Final/XX/20/2021) Federal Compliance - TRID Zero Percent Tolerance Violation Without
[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Sufficient Cure Provided: Appraisal Fee was last disclosed as $.00 on LE
Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX but disclosed as $XXX on Final Closing Disclosure. File does not contain
plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) a valid COC for this fee, cure provided at closing.
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506)
649208171 XXX XXX 2 XXX $XXX NY 1/XX/2020 11/XX/2019 Primary Refinance Temporary 2 B B B B 2 B B B B [2] Federal Compliance - TRID Interim Closing Disclosure Timing Test: TILA-RESPA Integrated Disclosure - Federal Compliance - TRID Interim Closing Disclosure Timing Test: Final -
Cash-out - SHQM Corrected Closing Disclosure provided on or after 01/XX/2020 contains a change in APR and was not received CD issued 1/XX/2020 provided to and received by Borrower on 1/XX/2020
Other (GSE/Agency by borrower at least three (3) business days prior to consummation closing date. Revised CD issued 1/XX/2020 is incomplete. Closing Date
Eligible) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA is not disclosed. Sections of pages 1, 3, 4 and 5 are blank/incomplete.
Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX Federal Compliance - TRID Ten Percent Tolerance Violation Without
plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) Sufficient Cure Provided: Recording fee amount increased in Final CD
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA issued 1/XX/2020 with no valid Change of Circumstance evident.
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation. Fee Amount of Federal Compliance - TRID Zero Percent Tolerance Violation Without
$XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7326) Sufficient Cure Provided: Fee amount disclosed in Final CD issued
1/XX/2020 with no valid Change of Circumstance evident.
649208563 XXX XXX 2 XXX $XXX CO 2/XX/2020 1/XX/2020 Primary Purchase Temporary 2 B B B B 2 B B B B [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Federal Compliance - TRID Initial Loan Estimate Timing Electronically -
SHQM Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Provided: Loan Estimate not delivered to Borrower within three business
(GSE/Agency Initial Loan Estimate dated 01/XX/2020 was electronically provided without or prior to borrower's consent days of application.
Eligible) 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/01/XX/2020)
649208130 XXX XXX 1 XXX $XXX NY 12/XX/2019 10/XX/2019 Primary Refinance Temporary 1 A A A A 1 A A A A -
Cash-out - SHQM
Other (GSE/Agency
Eligible)
649208070 XXX XXX 2 XXX $XXX NY 11/XX/2019 8/XX/2019 Primary Refinance Non QM 3 C C C C [3] Application / Processing - Missing Document: Fraud Report not Fraud Report is missing in file. 3 C C C C [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Federal Compliance - Check Loan Designation Match - QM: Loan designation SELLER - GENERAL COMMENT (2024/XX/06): Appeal: GENERAL COMMENT (2024/XX/06): Appeal: See D0256 Mavent TILA ATR/QM
Cash-out - provided Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan mismatch due to loan failing QM Points and Fees testing. See D0256 Mavent Report reflecting lenders Report reflecting lenders undiscounted interest rate of
Other Designation of Non QM. Federal Compliance - QM Points and Fees: Points and Fees on subject loan undiscounted interest rate of XXX%. Up to 2 Bona XXX%. Up to 2 Bona Fide discount points are excludable
[3] Federal Compliance - QM Points and Fees: Qualified Mortgage (Dodd Frank 2014): Points and Fees on of 4.31292% is in excess of the allowable maximum of 3.00000% of the Fide discount points are excludable as each as each point reduced the rate by XXX% which exceeds
subject loan of 4.30530% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total point reduced the rate by XXX% which exceeds the the threshold to be considered bona fide. $XXX (or 2%)
Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX threshold to be considered bona fide. $XXX (or of the discount point fee is excludable.
(an overage of $XXX or 1.30530%). or 1.31292%). XXX%) of the discount point fee is excludable.
REVIEWER - GENERAL COMMENT (2024/XX/10): With
the undiscounted rate of XXX%, the points and
fees are exceeded by $XXX.
649207296 XXX XXX 2 XXX $XXX NY 4/XX/2019 11/XX/2018 Primary Refinance Temporary 2 B B B B 2 B B B B [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Federal Compliance - TRID Initial Closing Disclosure Timing without -
Cash-out - SHQM Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to Waiver: Initial Closing Disclosure not provided to Borrower at least
Other (GSE/Agency closing. (Final/04/XX/2019) three business days prior to closing..
Eligible) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Zero Percent Tolerance Violation Without
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney's Fee (Closing Agent and Other). Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for
Fee Amount of $XXX exceeds tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7742) Attorney's Fee (Closing Agent and Other). Fee Amount of $XXX exceeds
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA tolerance of $XXX. No valid changed circumstance was provided.
Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $XXX exceeds Insufficient cure provided for all closing costs above the legal limit.
tolerance of $XXX. Insufficient or no cure was provided to the borrower. (7506) Federal Compliance - TRID Zero Percent Tolerance Violation Without
Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for
Appraisal Fee. Fee Amount of $XXX exceeds tolerance of $XXX. No valid
changed circumstance was provided.
Insufficient cure provided for all closing costs above the legal limit.
649208367 XXX XXX 2 XXX $XXX NY 2/XX/2020 1/XX/2020 Primary Refinance Temporary 2 B B B B 2 B B B B [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Federal Compliance - TRID Initial Closing Disclosure Timing without -
Rate/Term SHQM Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to Waiver: Closing Disclosure not provided to Borrower(s) at least three
(GSE/Agency closing. (Initial/02/XX/2020) (3) business days prior to closing.
Eligible) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Federal Compliance - TRID Ten Percent Tolerance Violation Without
Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total
plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient
or no cure was provided to the borrower. (0)
649208257 XXX XXX 1 XXX $XXX MA 1/XX/2020 12/XX/2019 Primary Refinance Temporary 2 B B B B [3] Asset Calculation / Analysis - Available for Closing is 2 B B B B [2] State Compliance - Massachusetts Home Loan - Borrower's Interest Tangible Net Benefit Worksheet Not in State Compliance - Massachusetts Home Loan - Borrower's Interest -
Rate/Term SHQM insufficient to cover Cash From Borrower.: Documented qualifying File: Unable to test due to missing tangible net benefit information. Tangible Net Benefit Worksheet Not in File: Tangible Net Benefit
(GSE/Agency Assets for Closing of $XXX is less than Cash From Borrower $XXX. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Worksheet is not signed by borrower.
Eligible) Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $XXX Federal Compliance - TRID Ten Percent Tolerance Violation Without
plus 10% or $XXX. Insufficient or no cure was provided to the borrower. (0) Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total
amount of $XXX exceeds tolerance of $XXX plus 10% or $XXX. Insufficient
or no cure was provided to the borrower
649207959 XXX XXX 2 XXX $XXX CO 12/XX/2019 11/XX/2019 Primary Purchase Temporary 2 B B B B 2 B B B B [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - -
SHQM Parties: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on Initial Escrow Payment By All Parties: Due to a portion of the property
(GSE/Agency 12/XX/2019 disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. tax escrows being disclosed as seller-paid, the total escrow amount on
Eligible) (Final/12/XX/2019) p.2, Section G of the final Closing Disclosure is $XXX. The initial
escrow payment disclosed on p.4 reflects all borrower-paid escrows
($XXX).
649207961 XXX XXX 2 XXX $XXX FL 3/XX/2020 2/XX/2020 Primary Purchase Temporary 1 A A A A [3] Missing Document - E-sign Consent Agreement is missing.: 1 A A A A -
SHQM Disclosure: E-Sign Consent Agreement
(GSE/Agency
Eligible)
649208378 XXX XXX 1 XXX $XXX NJ 9/XX/2020 7/XX/2020 Primary Purchase Temporary 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date REVIEWER - CURED COMMENT (2024/XX/23): -
SHQM (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Performed: Appraisal proof of delivery is not provided within 3 business Sufficient Cure Provided At Closing
(GSE/Agency Unable to determine compliance with appraisal timing requirements. (Type:Primary/08/XX/2020) days prior to closing
Eligible) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Federal Compliance - TRID Zero Percent Tolerance Violation With
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Sufficient Cure Provided At Closing: Zero Percent Fee Tolerance exceeded
Fee). Fee Amount of $XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the Flood Certification Initial Fee. Fee Amount of $XXX exceeds previously
borrower at Closing. (77100) disclosed amount of $XXX. A valid COC, nor a cure tolerance were
provided.
649208724 XXX XXX 2 XXX $XXX CO 12/XX/2020 9/XX/2020 Primary Refinance Temporary 1 A A A A 1 A A A A -
Cash-out - SHQM
Home (GSE/Agency
Improvement Eligible)
649209110 XXX XXX 2 XXX $XXX GA 6/XX/2021 5/XX/2021 Primary Purchase Temporary 2 B B B B 2 B B B B [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date -
SHQM not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine
(GSE/Agency rate used for testing.
Eligible)
649208027 XXX XXX 2 XXX $XXX TX 9/XX/2019 8/XX/2019 Primary Purchase Temporary 2 B B B B [3] Missing Document - E-sign Consent Agreement is missing.: 2 B B B B [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or REVIEWER - CURED COMMENT (2024/XX/24): -
SHQM Disclosure: E-Sign Consent Agreement File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at Before Closing (3-Day Waiver In File): No evidence in file of when the Sufficient Cure Provided At Closing
(GSE/Agency least three (3) business days prior to closing, and appraisal was not provided at or before closing. borrower received a copy of the dated 08/XX/2019.
Eligible) (Type:Primary/08/XX/2019) Federal Compliance - TRID Final Closing Disclosure APR: Loan
[2] Federal Compliance - TRID Final Closing Disclosure APR: TILA-RESPA Integrated Disclosure - Loan Calculations: APR of XXX% on Final Closing Disclosure provided on
Calculations: APR of XXX % on Final Closing Disclosure provided on 09/XX/2019 is under-disclosed from the 09/XX/2019 is under-disclosed from the calculated APR of XXX % outside
calculated APR of XXX % outside of XXX % tolerance. (Final/09/XX/2019) of XXX % tolerance.
[2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final
Loan Calculations: Final Closing Disclosure provided on 09/XX/2019 disclosed an inaccurate Finance Charge Closing Disclosure provided on 09/XX/2019 disclosed an inaccurate
on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the Finance Charge on page 5 that does not match the actual Finance Charge
amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds for the loan. The disclosed Finance Charge in the amount of $XXX is
the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure under disclosed by $XXX compared to the calculated Finance Charge of
dated 09/XX/2019). (Final/09/XX/2019) $XXX which exceeds the $XXX threshold (fee amounts included in Finance
[2] Federal Compliance - TRID Final Closing Disclosure Principal and Interest: TILA-RESPA Integrated Charge calculation are based on Closing Disclosure dated 09/XX/2019).
Disclosure - Loan Terms: Final Closing Disclosure provided on 09/XX/2019 disclosed a Principal and Interest Federal Compliance - TRID Final Closing Disclosure Principal and
Payment that does not match the actual payment for the loan. (Final/09/XX/2019) Interest: The interest rate on the Note does not match the interest rate
[2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Min Payment Fixed Rate Subsequent on Final CD which increases the P&I and DTI.
Payments: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on Federal Compliance - TRID Final Closing Disclosure Projected P&I Min
09/XX/2019 disclosed a periodic principal and interest payment for payment stream 2 that does not match the Payment Fixed Rate Subsequent Payments: P&I ($XXX) from Note document
actual payment for the loan. (ProjSeq:2/2545236) not matched with Final CD($XXX)
[2] Federal Compliance - TRID Final Closing Disclosure Projected P&I Payment Min Payment Fixed Rate Initial The interest rate on the Note does not match the interest rate on Final
Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on CD which increases the P&I and DTI.
09/XX/2019 disclosed a periodic principal and interest payment for payment stream 1 that does not match the Federal Compliance - TRID Final Closing Disclosure Projected P&I Payment
actual payment for the loan. (ProjSeq:1/2545235) Min Payment Fixed Rate Initial Payment: P&I ($XXX) from Note document
[2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure not matched with Final CD($XXX)
- Loan Calculations: Final Closing Disclosure provided on 09/XX/2019 disclosed an inaccurate Total of Federal Compliance - TRID Final Closing Disclosure Total Of Payments:
Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in Loan Calculations: Final Closing Disclosure provided on 09/XX/2019
TOP calculation are based on Closing Disclosure dated 09/XX/2019). The disclosed Total of Payments in the disclosed an inaccurate Total of Payments on page 5 that does not match
amount of $XXX is under disclosed by $XXX compared to the calculated total of payments of $XXX which the actual total of payments for the loan (fee amounts included in TOP
exceeds the $XXX threshold. (Final/09/XX/2019) calculation are based on Closing Disclosure dated 09/XX/2019). The
[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated disclosed Total of Payments in the amount of $XXX is under disclosed by
Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to $XXX compared to the calculated total of payments of $XXX which exceeds
closing. (Initial/09/XX/2019) the $XXX threshold.
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Federal Compliance - TRID Initial Closing Disclosure Timing without
TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of Waiver: Closing Disclosure not provided to Borrower(s) at least three
$XXX exceeds tolerance of $XXX. Sufficient or excess cure was provided to the borrower at Closing. (7506) (3) business days prior to closing.
649207750 XXX XXX 1 XXX $XXX GA 5/XX/2018 4/XX/2018 Primary Refinance Temporary 2 B B B B 2 B B B B [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date Federal Compliance - TRID Final Closing Disclosure AIR Table First REVIEWER - CURED COMMENT (2024/XX/28): -
Rate/Term SHQM not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine Change Frequency: Missing the Final Closing Disclosure for the subject Sufficient Cure Provided At Closing
(GSE/Agency rate used for testing. loan note.
Eligible) [2] Federal Compliance - TRID Final Closing Disclosure AIR Table First Change Frequency: TILA-RESPA Federal Compliance - TRID Final Closing Disclosure AIR Table Minimum
Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 05/XX/2018 Interest Rate: Missing the Final Closing Disclosure for the subject loan
disclosed a First Change frequency that does not match the actual first change frequency for the loan. note.
(Final/05/XX/2018) Federal Compliance - TRID Final Closing Disclosure AP Table First Change
[2] Federal Compliance - TRID Final Closing Disclosure AIR Table Minimum Interest Rate: TILA-RESPA Amount Advanced Construction-Permanent: Final CD disclosed incorrect
Integrated Disclosure - Adjustable Interest Rate Table: Final Closing Disclosure provided on 05/XX/2018 amount of $XXX.
disclosed a Minimum Interest Rate that does not match the actual minimum interest rate for the loan. Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every
(Final/05/XX/2018) Starting In: Final CD disclosed payment adjusts once in year 2.
[2] Federal Compliance - TRID Final Closing Disclosure AP Table First Change Amount Advanced Construction- Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every
Permanent: TILA-RESPA Integrated Disclosure - Adjustable Payment Table: Final Closing Disclosure provided Test: Final CD disclosed payment adjusts once in year 2.
on 05/XX/2018 disclosed a First Change minimum, maximum, and payment period that does not match the actual Federal Compliance - TRID Final Closing Disclosure Projected Principal
terms for the loan. (Final/05/XX/2018) And Interest Payment Min Payment ARM: Missing the Final Closing
[2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Starting In: TILA-RESPA Disclosure for the subject loan note.
Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on 05/XX/2018 with an increasing Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow
payment disclosed the due date of the first adjustment that does not match the actual due date for the - Property Costs Year 1: Final Closing Disclosure did not disclose
loan. (Final/05/XX/2018) Estimated Property Costs over Year 1 for loan with no escrow account
[2] Federal Compliance - TRID Final Closing Disclosure Payment Adjusts Every Test: TILA-RESPA Integrated established.
Disclosure - Loan Terms: Final Closing Disclosure provided on 05/XX/2018 with an increasing payment did not Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow
disclose the frequency of adjustments. (Final/05/XX/2018) - Reason: Final Closing Disclosure incorrectly disclosed whether the
[2] Federal Compliance - TRID Final Closing Disclosure Principal and Interest Test: TILA-RESPA Integrated loan will have an escrow account.
Disclosure - Loan Terms: Final Closing Disclosure provided on 05/XX/2018 disclosed a Principal and Interest
Payment that does not match the actual payment for the loan. (Final/05/XX/2018)
[2] Federal Compliance - TRID Final Closing Disclosure Projected Principal And Interest Payment Min Payment
ARM: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2018
disclosed a periodic principal and interest payment for payment stream 1 that does not match the actual
payment for the loan. (ProjSeq:1/2550792)
[2] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1: TILA-
RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 05/XX/2018 did not
disclose Estimated Property Costs over Year 1 for loan with no escrow account established.
(Final/05/XX/2018)
[2] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow - Reason: TILA-RESPA
Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 05/XX/2018 incorrectly
disclosed whether the loan will have an escrow account. (Final/05/XX/2018)
[2] Federal Compliance - TRID Interim Closing Disclosure Timing Test: TILA-RESPA Integrated Disclosure -
Corrected Closing Disclosure provided on or after 05/XX/2018 contains a change in loan product and was not
received by borrower at least three (3) business days prior to consummation.
[1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA-
RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2018 disclosed
an escrow payment for payment stream 1 that does not match the actual payment for the loan.
(ProjSeq:1/2550792)
649208872 XXX XXX 1 XXX $XXX TX 10/XX/2023 8/XX/2023 Primary Refinance Safe Harbor 1 A A A A 1 A A A A -
Cash-out - QM (APOR)
Other
649207206 XXX XXX 2 XXX $XXX FL 8/XX/2023 7/XX/2023 Primary Purchase Safe Harbor 2 B B B B [3] Application / Processing - Missing Document: Verification of Verification of Identification is missing 2 B B B B [2] Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: TILA-RESPA Integrated Federal Compliance - TRID Final Closing Disclosure Amount Financed Test: -
QM (APOR) Identification not provided Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2023 disclosed an Amount Final Closing Disclosure provided on 08/XX/2023 disclosed an Amount
Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $XXX is Financed disclosed an inaccurate Amount Financed. The disclosed Amount
over disclosed by $XXX compared to the calculated Amount Financed of $XXX and the disclosed Finance Charge Financed in the amount of $XXX is over disclosed by $XXX compared to the
is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts calculated Amount Financed of $XXX and the disclosed Finance Charge is
included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated not accurate within applicable tolerances for Amount Financed to be
08/XX/2023). (Final/08/XX/2023) considered accurate (fee amounts included in Amount Financed and Finance
[2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Charge calculations are based on Closing Disclosure dated 08/XX/2023).
Loan Calculations: Final Closing Disclosure provided on 08/XX/2023 disclosed an inaccurate Finance Charge Federal Compliance - TRID Final Closing Disclosure Finance Charge: Final
on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the Closing Disclosure provided on 08/XX/2023 disclosed an inaccurate
amount of $XXX is under disclosed by $XXX compared to the calculated Finance Charge of $XXX which exceeds Finance Charge on page 5 that does not match the actual Finance Charge
the $XXX threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure for the loan. The disclosed Finance Charge in the amount of $XXX is
dated 08/XX/2023). (Final/08/XX/2023) under disclosed by $XXX compared to the calculated Finance Charge of
$XXX which exceeds the $XXX threshold (fee amounts included in Finance
Charge calculation are based on Closing Disclosure dated 08/XX/2023).
649208919 XXX XXX 2 XXX $XXX NY 9/XX/2023 6/XX/2023 Primary Purchase Safe Harbor 1 A A A A 1 A A A A -
QM (APOR)
649207534 XXX XXX 1 XXX $XXX NJ 10/XX/2023 8/XX/2023 Primary Purchase HUD Safe 2 B B B B [3] General - FHA - Informed Consumer Choice Disclosure was not FHA - Informed Consumer Choice Disclosure not 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA REVIEWER - CURED COMMENT (2024/XX/24): GENERAL COMMENT (2024/XX/03): Appeal - Please see -
Harbor QM provided to borrower within 3 business days of the loan application.: provided to borrower within 3 business days of the Credit Score Disclosure. Sufficient Cure Provided At Closing attached screen shots provide expiration verification
Disclosure: FHA - Informed Consumer Choice Disclosure (Government loan application. [1] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Over Disclosed Test: TILA- of LE and the closing costs as they were estimated on
Documents) Loan has been identified as FHA/VA/USDA. RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 10/XX/2023 disclosed LE date of 8/XX/23 to expiration date of 8/XX/23. - XXX
[2] General - Loan has been identified as FHA/VA/USDA: Mortgage Type: an escrow payment for payment stream 1 that does not match the actual payment for the loan.
FHA (ProjSeq:1/2545605)
649208983 XXX XXX 2 XXX $XXX WI 10/XX/2023 9/XX/2023 Primary Purchase Safe Harbor 2 B B B B 2 B B B B [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or -
QM (APOR) File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at Before Closing (3-Day Waiver In File): Borrower waived right to receive
least three (3) business days prior to closing, and appraisal was not provided at or before closing. a copy of the appraisal at least three (3) business days prior to
(Type:Primary/09/XX/2023) closing, and appraisal was not provided at or before closing.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA (Type:Primary/09/XX/2023)
Credit Score Disclosure. Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure not
provided.
649210096 XXX XXX XXX 2 XXX $XXX MO 4/XX/2002 3/XX/2002 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within -
Cash-out - [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business
Debt and does not contain the following clauses:: Homestead Exemption Arrangement Disclosure to applicant within three (3) business days of application.
Consolidation Waiver
649210097 XXX XXX XXX 1 XXX $XXX OH 9/XX/2002 8/XX/2002 Primary Refinance 2 B B B B 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
Rate/Term [2] Application / Processing - Missing Document: Missing Lender's Initial 1003 determine the fee under disclosure due to missing the itemization of
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in amount financed.
file. Compliance tests were run using an application date of 8/XX/2002 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 3/XX/2002.
[2] Federal Compliance - Final TIL APR Under/Over Disclosed By Greater Than XXX%: Truth In Lending Act:
Final TIL APR of XXX% is underdisclosed from calculated APR of XXX% outside of XXX% tolerance.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649210107 XXX XXX 1 XXX $XXX NV 9/XX/2005 8/XX/2005 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
Cash-out - not provided to the borrower within three (3) days of application.
Other [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of
application.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
Credit Score Disclosure.
649210110 XXX XXX XXX 2 XXX $XXX IL 5/XX/2007 5/XX/2007 Primary Refinance 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing SELLER - GENERAL COMMENT (2017/XX/07): Per GENERAL COMMENT (2017/XX/07): Per exception comments, Yes TR
Cash-out - Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance exception comments, looks like there were other looks like there were other HUDs in the file that can Indeterminable
Debt testing. HUDs in the file that can be used for testing. be used for testing. this shouldn't be an issue
Consolidation [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due this shouldn't be an issue
to missing Initial Loan Application Date.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing
requirements due to missing Initial Loan Application Date.
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 05/XX/2007 which is 0 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 05/XX/2007.
649210111 XXX XXX XXX 1 XXX $XXX CA 11/XX/2006 10/XX/2006 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook -
Cash-out - on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
Debt [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
Consolidation [2] Application / Processing - Missing Document: Missing Lender's Initial 1003
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 10/XX/2006 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 05/XX/2006.
649209989 XXX XXX 1 XXX $XXX OH 6/XX/2004 5/XX/2004 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
Cash-out - to missing Initial Loan Application Date. determine underdisclosure due to missing Itemization of prepaid finance
Debt [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook charges.
Consolidation on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 05/XX/2004 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 05/XX/2004.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209977 XXX XXX 1 XXX $XXX NJ 2/XX/2007 1/XX/2007 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
Cash-out - not provided to the borrower within three (3) days of application.
Debt
Consolidation
649209988 XXX XXX 2 XXX $XXX IN 4/XX/2007 3/XX/2007 Investment Purchase 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA -
Credit Score Disclosure.
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 03/XX/2007 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 10/XX/2006.
649209986 XXX XXX 1 XXX $XXX GA 1/XX/2006 1/XX/2006 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook -
Cash-out - on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
Debt
Consolidation
649210099 XXX XXX 1 XXX $XXX CA 5/XX/2005 5/XX/2005 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
not provided to the borrower within three (3) days of application.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of
application.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
Credit Score Disclosure.
649209562 XXX XXX 2 XXX $XXX CA 11/XX/2004 11/XX/2004 Primary Purchase 2 B B B B [3] AUS Discrepancy / Guidelines Discrepancy - AUS/Guideline File does not contain one month's asset statements 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due State Compliance - California Primary Residence Late Charge Percent -
Findings: All conditions were not met for all funds used to qualify, most recent paystub to missing Initial Loan Application Date. Testing: Erroneous exception- California statute allows for a late
[3] Application / Processing - FEMA Disaster Issue: Property is with 30 days YTD history, and verbal VOE dated [2] State Compliance - California Primary Residence Late Charge Percent Testing: Note late charge exceeds charge of up to 6%; Note indicates penalty of 5% after 15 days.
located in a FEMA Disaster area and has not been inspected.: FEMA within 10 days of closing as required by AUS maximum per state. Federal Compliance - Final TIL Finance Charge Under Disclosed: Variance
Disaster Date: XX/XX/XXXX findings. [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing is due to lender disclosing Escrow Fee as $XXX vs. $XXX on final HUD-1,
[3] Income Documentation - Income Docs Missing:: Borrower: XXX File does not contain most recent paystub with 30 requirements due to missing Initial Loan Application Date.
Paystubs (2004), VVOE - Employment Only (2004) days YTD history and verbal VOE dated within 10 [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
[3] Application / Processing - Missing Document: Missing Final 1003 days of closing per AUS findings. file. Compliance tests were run using an application date of 11/XX/2004 which is 0 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 11/XX/2004.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649210112 XXX XXX XXX 1 XXX $XXX TX 10/XX/1998 9/XX/1998 Primary Purchase 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No No TNR Testing
document containing fees provided. Any applicable Federal, State or Local compliance testing is Not Required
unreliable.
[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement
date not found in file. Security Instrument Notary Date of 10/XX/1998 used as disbursement date for
compliance testing.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were
run off an assumed value of a contract sales price or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located
in file. Compliance tests were run using an application date of 09/XX/1998 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for
testing was 04/XX/1998. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
649210100 XXX XXX 2 XXX $XXX OH 9/XX/2005 8/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA -
Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 03/XX/2005.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
649210102 XXX XXX 2 XXX $XXX MA 11/XX/2006 9/XX/2006 Investment Refinance 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA -
Cash-out - Credit Score Disclosure.
Debt
Consolidation
649210282 XXX XXX 1 XXX $XXX FL 3/XX/2007 2/XX/2007 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan -
Cash-out - program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan
Debt that did not start as an ARM.
Consolidation [2] Federal Compliance - CHARM Booklet Disclosure Prior to Closing Timing: TIL variable rate disclosure:
Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower at least three
(3) days prior to consummation for a loan that did not start as an ARM.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 02/XX/2007.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement
Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement
Disclosure.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
649210285 XXX XXX 1 XXX $XXX PA 9/XX/2005 8/XX/2005 Primary Refinance 2 B B B B 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
Cash-out - [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
Debt file. Compliance tests were run using an application date of 08/XX/2005 which is 1 months prior to
Consolidation consummation. A lookback was performed to determine this application date. The final date used for testing
was 03/XX/2005.
649210283 XXX XXX 2 XXX $XXX GA 9/XX/2006 8/XX/2006 Investment Refinance 2 B B B B 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
Cash-out -
Debt
Consolidation
649210121 XXX XXX 2 XXX $XXX WA 8/XX/1997 7/XX/1997 Primary Refinance UTD 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No Yes TR
document containing fees provided. Any applicable Federal, State or Local compliance testing is Indeterminable
unreliable.
[2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure
not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement
date not found in file. Security Instrument Notary Date of 08/XX/1997 used as disbursement date for
compliance testing.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were
run off an assumed value of a contract sales price or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located
in file. Compliance tests were run using an application date of 07/XX/1997 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for
testing was 02/XX/1997. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel
was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
649210126 XXX XXX 1 XXX $XXX CA 7/XX/2006 6/XX/2006 Primary Refinance 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Yes TR
Cash-out - Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance itemization did not disclose a tax service fee of $XXX as a prepaid Indeterminable
Debt testing. finance charge.
Consolidation [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due
to missing Initial Loan Application Date.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing
requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 06/XX/2006 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 01/XX/2006.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649210122 XXX XXX 2 XXX $XXX NY 8/XX/2007 8/XX/2007 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
Cash-out - not provided to the borrower within three (3) days of application. determine under disclosure due to missing Itemization of Amount
Other [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook Financed.
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of
application.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business
Arrangement Disclosure to applicant within three (3) business days of application.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
[2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance
(Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the
proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have
been used.
649210127 XXX XXX 2 XXX $XXX CA 12/XX/2006 11/XX/2006 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not -
Cash-out - provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.
Other [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 11/XX/2006.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
649210124 XXX XXX 2 XXX $XXX CA 3/XX/2006 2/XX/2006 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
Cash-out - file. Compliance tests were run using an application date of 02/XX/2006 which is 1 months prior to
Debt consummation. A lookback was performed to determine this application date. The final date used for testing
Consolidation was 09/XX/2005.
649210131 XXX XXX 1 XXX $XXX NY 10/XX/2004 9/XX/2004 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure -
Cash-out - due to missing information.
Other [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction
Date: Truth in Lending Act: Subject loan transaction disbursed on 11/XX/2004, prior to three (3) business
days from transaction date of 11/XX/2004.
[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement
Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).
649210135 XXX XXX XXX 1 XXX $XXX FL 1/XX/2007 12/XX/2006 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
Cash-out - file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to
Debt consummation. A lookback was performed to determine this application date. The final date used for testing
Consolidation was 07/XX/2006.
[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature
Date. Unable to determine compliance with rescission timing requirements.
[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.
[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending
Act: Final TIL was not provided to the borrower by closing.
649210138 XXX XXX XXX 2 XXX $XXX NJ 2/XX/2006 1/XX/2006 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA -
Cash-out - Credit Score Disclosure.
Debt [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
Consolidation [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 01/XX/2006 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 01/XX/2006.
[2] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a
prepayment penalty was included in the pay-off which may impact high cost findings.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel
was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
649210134 XXX XXX XXX 2 XXX $XXX CA 12/XX/2006 11/XX/2006 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due -
Rate/Term to missing Initial Loan Application Date.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing
requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 11/XX/2006.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
649210172 XXX XXX XXX 2 XXX $XXX NJ 6/XX/2007 5/XX/2007 Primary Purchase 1 A A A A 1 A A A A -
649210170 XXX XXX XXX 2 XXX $XXX NJ 4/XX/2007 3/XX/2007 Primary Refinance 1 A A A A 1 A A A A -
Rate/Term
649210171 XXX XXX XXX 2 XXX $XXX MA 5/XX/2007 4/XX/2007 Primary Refinance 2 B B B B [3] Insurance Documentation - Missing Document: Mortgage Insurance 2 B B B B [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within -
Rate/Term Certificate (MIC) not provided 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business
Arrangement Disclosure to applicant within three (3) business days of application.
649210174 XXX XXX XXX 1 XXX $XXX NY 8/XX/2007 7/XX/2007 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
file. Compliance tests were run using an application date of 07/XX/2007 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 07/XX/2007.
649210175 XXX XXX XXX 2 XXX $XXX NY 8/XX/2007 7/XX/2007 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within -
Cash-out - 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business
Other Arrangement Disclosure to applicant within three (3) business days of application.
[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction
Date: Truth in Lending Act: Subject loan transaction disbursed on 08/XX/2007, prior to three (3) business
days from transaction date of 08/XX/2007.
[2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance
(Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the
proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have
been used.
[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement
Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).
649210159 XXX XXX XXX 1 XXX $XXX CA 5/XX/2005 4/XX/2005 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
Cash-out - file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to
Other consummation. A lookback was performed to determine this application date. The final date used for testing
was 04/XX/2005.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
649210160 XXX XXX XXX 2 XXX $XXX CA 7/XX/2005 6/XX/2005 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
Cash-out - not provided to the borrower within three (3) days of application.
Debt [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Consolidation on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business
Arrangement Disclosure to applicant within three (3) business days of application.
[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction
Date: Truth in Lending Act: Subject loan transaction disbursed on 07/XX/2005, prior to three (3) business
days from transaction date of 07/XX/2005.
649210150 XXX XXX XXX 2 XXX $XXX TX 3/XX/2003 3/XX/2003 Primary Purchase 2 B B B B [3] Credit Documentation - Missing Document: Credit Report not 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
provided
[3] Application / Processing - Missing Document: Missing Final 1003
[3] Insurance Documentation - Missing Document: Mortgage Insurance
Certificate (MIC) not provided
649210153 XXX XXX XXX 2 XXX $XXX MI 9/XX/2003 8/XX/2003 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure Federal Compliance - Final TIL Finance Charge Under Disclosed: It -
Cash-out - not provided to the borrower within three (3) days of application. appears a lower Index was used at origination than the 1.22% Index
Debt [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook available within the look-back period.
Consolidation on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of
application.
[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan
Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to
borrower.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649210155 XXX XXX XXX 1 XXX $XXX MI 10/XX/2004 10/XX/2004 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not -
Rate/Term [3] Insurance Documentation - Missing Document: Mortgage Insurance Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan
Certificate (MIC) not provided Application Date.
[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely:
Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.
[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan
Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to
borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 10/XX/2004 which is 0 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 10/XX/2004.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
649210158 XXX XXX XXX 2 XXX $XXX CA 4/XX/2005 3/XX/2005 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
Cash-out - file. Compliance tests were run using an application date of 03/XX/2005 which is 1 months prior to
Debt consummation. A lookback was performed to determine this application date. The final date used for testing
Consolidation was 03/XX/2005.
649210161 XXX XXX XXX 1 XXX $XXX NY 10/XX/2005 9/XX/2005 Primary Refinance 2 B B B B [3] Credit Documentation - Missing Document: Credit Report not 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
Cash-out - provided file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to
Other consummation. A lookback was performed to determine this application date. The final date used for testing
was 04/XX/2005.
649210165 XXX XXX XXX 2 XXX $XXX CA 12/XX/2005 11/XX/2005 Primary Refinance 1 A A A A 1 A A A A -
Cash-out -
Other
649210162 XXX XXX XXX 2 XXX $XXX CA 10/XX/2005 9/XX/2005 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
Rate/Term file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 04/XX/2005.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement
Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement
Disclosure.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
[2] Federal Compliance - Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance: Truth
in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a
creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been
used.
649210164 XXX XXX XXX 1 XXX $XXX NY 8/XX/2006 7/XX/2006 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
Cash-out - file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to
Debt consummation. A lookback was performed to determine this application date. The final date used for testing
Consolidation was 02/XX/2006.
649210163 XXX XXX XXX 2 XXX $XXX CA 4/XX/2006 3/XX/2006 Primary Refinance 1 A A A A [3] Insurance Documentation - Missing Document: Mortgage Insurance 1 A A A A -
Cash-out - Certificate (MIC) not provided
Other
649210166 XXX XXX XXX 2 XXX $XXX CA 10/XX/2006 9/XX/2006 Second Purchase 2 B B B B 2 B B B B [2] Federal Compliance - Disparity in Occupancy: The mortgage loan file contains documenting evidence the Federal Compliance - Disparity in Occupancy: Discrepancy in Occupancy REVIEWER - GENERAL COMMENT (2019/XX/19): -
Home consumer intends to occupy the subject property as their primary residence. (Compliance testing performed does not have high cost implications. Testing loan as primary residence Discrepancy in Occupancy does not have high cost
based on the Occupancy Type of Second Home) does not result in high cost findings. implications. Testing loan as primary residence
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within does not result in high cost findings.
3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business
Arrangement Disclosure to applicant within three (3) business days of application.
649210157 XXX XXX XXX 2 XXX $XXX FL 3/XX/2005 2/XX/2005 Primary Purchase 2 B B B B [2] Application / Processing - Valuation Error: APN Number not 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided Federal Compliance - Final TIL Finance Charge Under Disclosed: -
provided.: Valuation Type: Appraisal / Valuation Report Date: [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in Itemization of amount financed does not reflect a $XXX closing delay
01/XX/2005 file. Compliance tests were run using an application date of 02/XX/2005 which is 1 months prior to fee, a $XXX scanning and storage fee, and a $XXX title courier fee as
consummation. A lookback was performed to determine this application date. The final date used for testing prepaid finance charges.
was 09/XX/2004.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649210169 XXX XXX XXX 2 XXX $XXX CA 3/XX/2007 2/XX/2007 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due -
Cash-out - to missing Initial Loan Application Date.
Debt [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing
Consolidation requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 02/XX/2007.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
649210149 XXX XXX XXX 2 XXX $XXX PA 7/XX/2001 6/XX/2001 Primary Refinance 3 D D D D [3] Appraisal Documentation - Missing Document: Appraisal not 3 D D D D [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No Yes TR
Cash-out - provided document containing fees provided. Any applicable Federal, State or Local compliance testing is Indeterminable
Other unreliable.
[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement
date not found in file. Security Instrument Notary Date of 07/XX/2001 used as disbursement date for
compliance testing.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were
run off an assumed value of a contract sales price or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located
in file. Compliance tests were run using an application date of 06/XX/2001 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for
testing was 01/XX/2001. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel
was not provided.
[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending
Act: Final TIL was not provided to the borrower by closing.
649210151 XXX XXX XXX 2 XXX $XXX CA 9/XX/2003 6/XX/2003 Primary Refinance 3 D D D D 3 D D D D [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Yes TR
Rate/Term Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. Indeterminable
649210154 XXX XXX XXX 1 XXX $XXX NH 11/XX/2003 9/XX/2003 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
Rate/Term on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. determine the reason for the under disclosure. No itemization of the
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance amount financed located.
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649210168 XXX XXX XXX 1 XXX $XXX CA 1/XX/2007 12/XX/2006 Primary Refinance 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Yes TR
Cash-out - Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance Indeterminable
Other testing.
[2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due
to missing Initial Loan Application Date.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing
requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 12/XX/2006 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 12/XX/2006.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
649210148 XXX XXX XXX 2 XXX $XXX KY 7/XX/1984 6/XX/1984 UTD UTD UTD 3 D D D D [3] Appraisal Documentation - Missing Document: Appraisal not 3 D D D D [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No No TNR Testing
provided document containing fees provided. Any applicable Federal, State or Local compliance testing is Not Required
[3] Credit Documentation - Missing Document: Credit Report not unreliable.
provided [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure
[3] Application / Processing - Missing Document: Missing Final 1003 not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement
date not found in file. Security Instrument Notary Date of 07/XX/1984 used as disbursement date for
compliance testing.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were
run off an assumed value of a contract sales price or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located
in file. Compliance tests were run using an application date of 06/XX/1984 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for
testing was 01/XX/1984. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is
other than single family residence, state and federal testing may be impacted.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel
was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a
defaulted value of Primary.
649210117 XXX XXX XXX 2 XXX $XXX MI 8/XX/2003 7/XX/2003 Primary Refinance 2 B B B B [3] Credit Documentation - Missing Document: Credit Report not 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
Cash-out - provided [2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not
Other Provided): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not provided to
borrower.
[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided:
Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not
provided to borrower.
[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan
Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to
borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 07/XX/2003 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 02/XX/2003.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel
was not provided.
649210279 XXX XXX 1 XXX $XXX CA 12/XX/2005 11/XX/2005 Primary Refinance 3 D D D D 3 D D D D [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No SELLER - GENERAL COMMENT (2019/XX/02): Not Found GENERAL COMMENT (2019/XX/02): Not Found Yes TR
Cash-out - document containing fees provided. Any applicable Federal, State or Local compliance testing is Indeterminable
Other unreliable.
[2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program
disclosure not provided to the borrower within three (3) days of application.
649210188 XXX XXX XXX 1 XXX $XXX OH 9/XX/2006 8/XX/2006 Primary Refinance 2 B B B B [3] Title / Lien Defect - Final Title Policy is missing. No evidence File does not contain either Preliminary or Final 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
Cash-out - of title in file. Title. [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
Other file. Compliance tests were run using an application date of 08/XX/2006 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 03/XX/2006.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel
was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
649210178 XXX XXX XXX 2 XXX $XXX NC 11/XX/2005 11/XX/2005 Investment Purchase 1 A A A A 1 A A A A -
649210179 XXX XXX XXX 2 XXX $XXX FL 6/XX/2005 5/XX/2005 Investment Purchase 2 B B B B 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
649210185 XXX XXX XXX 1 XXX $XXX NC 7/XX/2007 6/XX/2007 Investment Purchase 1 A A A A 1 A A A A -
649210181 XXX XXX XXX 2 XXX $XXX GA 7/XX/2006 6/XX/2006 Investment Purchase 1 A A A A 1 A A A A -
649210182 XXX XXX XXX 1 XXX $XXX NC 11/XX/2005 11/XX/2005 Investment Purchase 1 A A A A [3] Closing / Title - Missing Document: Security Instrument - Subject 1 A A A A -
Lien not provided
649210183 XXX XXX XXX 2 XXX $XXX CA 5/XX/2004 4/XX/2004 Investment Refinance 2 B B B B 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
Rate/Term
649210184 XXX XXX XXX 1 XXX $XXX NC 10/XX/2006 9/XX/2006 Investment Purchase 1 A A A A 1 A A A A -
649210186 XXX XXX XXX 1 XXX $XXX FL 12/XX/2006 11/XX/2006 Investment Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
649210187 XXX XXX XXX 1 XXX $XXX FL 12/XX/2006 11/XX/2006 UTD Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were -
run off an assumed value of a contract sales price or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
[2] Miscellaneous Compliance - Unable to determine occupancy, compliance results were generated using a
defaulted value of Primary.
649210192 XXX XXX 1 XXX $XXX CO 7/XX/1995 6/XX/1995 Primary Purchase 3 D D D D [3] Application / Processing - Missing Document: Flood Certificate 3 D D D D [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No No TNR Testing
not provided document containing fees provided. Any applicable Federal, State or Local compliance testing is Not Required
[3] Application / Processing - Missing Document: Missing Final 1003 unreliable.
[2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program
disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement
date not found in file. Security Instrument Notary Date of 07/XX/1995 used as disbursement date for
compliance testing.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were
run off an assumed value of a contract sales price or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located
in file. Compliance tests were run using an application date of 06/XX/1995 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for
testing was 01/XX/1995. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
649210193 XXX XXX XXX 2 XXX $XXX NC 6/XX/2007 5/XX/2007 Investment Purchase 1 A A A A 1 A A A A -
649210200 XXX XXX 1 XXX $XXX SC 2/XX/2007 1/XX/2007 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
Rate/Term file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to determine under disclosure due to missing itemization of amount
consummation. A lookback was performed to determine this application date. financed.
[2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina
Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or
inquiries about the origination and making of the loan.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649210280 XXX XXX 1 XXX $XXX NY 9/XX/2006 6/XX/2006 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program -
disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
649210281 XXX XXX 2 XXX $XXX CT 4/XX/2005 2/XX/2005 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - Right of Rescission Timing - Note Date used as Transaction Date: Unable to -
Cash-out - conclusively determine date of consummation. Note date used as transaction date for purposes of determining
Debt compliance with rescission timing requirements
Consolidation
649210288 XXX XXX 1 XXX $XXX MO 3/XX/2007 2/XX/2007 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook -
Cash-out - on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
Debt [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
Consolidation file. Compliance tests were run using an application date of 02/XX/2007 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
649210289 XXX XXX 2 XXX $XXX NY 9/XX/2004 8/XX/2004 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
file. Compliance tests were run using an application date of 08/XX/2004 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
649210203 XXX XXX XXX 2 XXX $XXX NC 7/XX/1998 5/XX/1998 Primary Purchase 1 A A A A 1 A A A A -
649210204 XXX XXX XXX 1 XXX $XXX FL 12/XX/2000 11/XX/2000 Primary Purchase 2 B B B B [3] Credit Documentation - Missing Document: Credit Report not 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program -
provided disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 11/XX/2000 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
649210205 XXX XXX XXX 2 XXX $XXX WA 9/XX/2001 8/XX/2001 Primary Refinance 2 B B B B [3] Credit Documentation - Missing Document: Credit Report not 2 B B B B [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided -
Cash-out - provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
Debt file. Compliance tests were run using an application date of 08/XX/2001 which is 1 months prior to
Consolidation consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel
was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
649210207 XXX XXX XXX 1 XXX $XXX TX 12/XX/2001 11/XX/2001 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Federal Compliance - Final TIL Finance Charge Under Disclosed: -
Rate/Term Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Itemization did not disclose the assignment recording fee of $XXX
settlement fee of $XXX and courier fee of $XXX as prepaid finance
charges
649210208 XXX XXX XXX 1 XXX $XXX FL 8/XX/2002 7/XX/2002 Primary Refinance UTD 3 D D D D [3] Appraisal Documentation - Missing Document: Appraisal not 3 D D D D [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No Yes TR
provided document containing fees provided. Any applicable Federal, State or Local compliance testing is Indeterminable
[3] Credit Documentation - Missing Document: Credit Report not unreliable.
provided [2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement
[3] Application / Processing - Missing Document: Missing Final 1003 date not found in file. Security Instrument Notary Date of 08/XX/2002 used as disbursement date for
compliance testing.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were
run off an assumed value of a contract sales price or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located
in file. Compliance tests were run using an application date of 07/XX/2002 which is 1 months prior to
consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing
Disclosure, no fees were used in testing.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel
was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
649210209 XXX XXX XXX 2 XXX $XXX FL 1/XX/2003 12/XX/2002 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Federal Compliance - Final TIL Finance Charge Under Disclosed: The under -
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. disclosure is payment stream related due to lender's TIL reflecting MI
being in force for 126 months, however based on loan amount and
appraised value the MI would be in force for 138 months.
649210210 XXX XXX XXX 1 XXX $XXX OH 2/XX/2003 1/XX/2003 Primary Refinance 2 B B B B [3] General Appraisal Requirements - Valuation Error: Subject year 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
Cash-out - built not provided.: Valuation Type: Appraisal / Valuation Report file. Compliance tests were run using an application date of 01/XX/2003 which is 1 months prior to determine amount of under disclosure due to missing Itemization.
Debt Date: 01/XX/2003 consummation. A lookback was performed to determine this application date.
Consolidation [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649210211 XXX XXX XXX 2 XXX $XXX FL 3/XX/2003 2/XX/2003 Primary Purchase 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing No TNR Testing
[3] Insurance Documentation - Missing Document: Mortgage Insurance Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance Not Required
Certificate (MIC) not provided testing.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 02/XX/2003 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
649210212 XXX XXX XXX 1 XXX $XXX CA 5/XX/2003 4/XX/2003 Primary Refinance 3 D D D D 3 D D D D [3] Federal Compliance - Missing Final HUD-1: Estimated HUD-1 Used For Fee Testing: Missing Final HUD-1: Yes TR
Cash-out - Estimated HUD-1 used for any applicable Federal, State or Local compliance testing. Indeterminable
Debt [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
Consolidation file. Compliance tests were run using an application date of 04/XX/2003 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
649210213 XXX XXX XXX 1 XXX $XXX FL 5/XX/2003 5/XX/2003 Investment Purchase 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing No TNR Testing
[3] Insurance Documentation - Missing Document: Mortgage Insurance Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance Not Required
Certificate (MIC) not provided testing.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 05/XX/2003 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
649210214 XXX XXX XXX 2 XXX $XXX FL 7/XX/2003 4/XX/2003 Primary Refinance 1 A A A A 1 A A A A -
Cash-out -
Other
649210216 XXX XXX XXX 2 XXX $XXX FL 12/XX/2003 11/XX/2003 Primary UTD UTD 3 D D D D [3] Appraisal Documentation - Missing Document: Appraisal not 3 D D D D [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No UTD Indeterminable
provided document containing fees provided. Any applicable Federal, State or Local compliance testing is
[3] Application / Processing - Missing Document: Missing Final 1003 unreliable.
[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement
date not found in file. Security Instrument Notary Date of 12/XX/2003 used as disbursement date for
compliance testing.
[2] General Appraisal Requirements - Due to lack of appraised value, compliance tests requiring an LTV were
run off an assumed value of a contract sales price or original loan amount, whichever applies.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located
in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to
consummation. A lookback was performed to determine this application date. Due to missing HUD-1 or Closing
Disclosure, no fees were used in testing.
[2] Federal Compliance - Property Type Not Provided: (Missing Data) Property Type. If property type is
other than single family residence, state and federal testing may be impacted.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel
was not provided.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
649210215 XXX XXX XXX 1 XXX $XXX GA 1/XX/2004 12/XX/2003 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
file. Compliance tests were run using an application date of 12/XX/2003 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated
Business Arrangement Disclosure to applicant within three (3) business days of application due to missing
information.
649210217 XXX XXX XXX 2 XXX $XXX CA 2/XX/2004 1/XX/2004 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
Cash-out - file. Compliance tests were run using an application date of 01/XX/2004 which is 1 months prior to
Debt consummation. A lookback was performed to determine this application date.
Consolidation [2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature
Date. Unable to determine compliance with rescission timing requirements.
649210218 XXX XXX XXX 2 XXX $XXX LA 4/XX/2004 3/XX/2004 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
Rate/Term file. Compliance tests were run using an application date of 03/XX/2004 which is 1 months prior to determine reason for under disclosure as the file is missing the
consummation. A lookback was performed to determine this application date. Itemization of Amount Financed.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel
was not provided.
649210269 XXX XXX XXX 2 XXX $XXX NY 7/XX/2004 6/XX/2004 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
file. Compliance tests were run using an application date of 06/XX/2004 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
649210219 XXX XXX XXX 1 XXX $XXX FL 9/XX/2004 8/XX/2004 Primary Purchase 2 B B B B [2] Closing / Title - Security Instrument is not on a FNMA/FHLMC form 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - Final TIL Finance Charge Under Disclosed: Rate Lock REVIEWER - GENERAL COMMENT (2020/XX/29): Updated -
and does not contain the following clauses:: Homestead Exemption on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. indicates the Index used was 1.463%. The closest Index available in our from: Truth In Lending Act: Final TIL Finance
Waiver [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance look-back period is 1.595%. Charge of $XXX is underdisclosed from calculated
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Finance Charge of $XXX in the amount of $XXX.
[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending
Act: Final TIL was not provided to the borrower by closing.
649210220 XXX XXX XXX 2 XXX $XXX NJ 12/XX/2004 12/XX/2004 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
file. Compliance tests were run using an application date of 12/XX/2004 which is 0 months prior to
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated
Business Arrangement Disclosure to applicant within three (3) business days of application due to missing
information.
649210222 XXX XXX XXX 1 XXX $XXX IL 2/XX/2005 1/XX/2005 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
Rate/Term within three (3) days of application due to missing information. determine reason for underdisclosure due to missing Itemization of
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Amount Financed.
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
[2] Federal Compliance - Notice of Right to Cancel Missing: Truth in Lending Act: Notice of Right to Cancel
was not provided.
649210223 XXX XXX XXX 2 XXX $XXX NY 2/XX/2005 1/XX/2005 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
Cash-out - file. Compliance tests were run using an application date of 01/XX/2005 which is 1 months prior to determine under disclosure due to missing itemization of amount financed
Other consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated
Business Arrangement Disclosure to applicant within three (3) business days of application due to missing
information.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649210224 XXX XXX XXX 2 XXX $XXX CA 3/XX/2005 2/XX/2005 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
disclosure not provided to the borrower within three (3) days of application. determine under disclosure due to missing Itemization of Amount
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Financed.
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business
Arrangement Disclosure to applicant within three (3) business days of application.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating
one or more entries are estimates.
649210225 XXX XXX XXX 2 XXX $XXX LA 5/XX/2004 4/XX/2004 Primary Construction- 2 B B B B [3] Credit Documentation - Missing Document: Credit Report not 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program -
Permanent provided disclosure not provided to the borrower.
[3] Application / Processing - Missing Document: Missing Final 1003 [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - Disbursement Date Missing: Disbursement Date Missing: Evidence of disbursement
date not found in file. Security Instrument Notary Date of 05/XX/2004 used as disbursement date for
compliance testing.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 04/XX/2004 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
649210226 XXX XXX XXX 1 XXX $XXX SD 5/XX/2005 4/XX/2005 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
Cash-out - file. Compliance tests were run using an application date of 04/XX/2005 which is 1 months prior to
Other consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement
Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement
Disclosure.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated
Business Arrangement Disclosure to applicant within three (3) business days of application due to missing
information.
649210227 XXX XXX XXX 2 XXX $XXX CA 10/XX/2005 9/XX/2005 Primary Refinance 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Federal Compliance - Missing Final HUD-1: Title Co. Closing Statement Used For Fee Testing: Missing Yes TR
Rate/Term Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance Indeterminable
testing.
[2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided
within three (3) days of application due to missing information.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing
requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 09/XX/2005 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated
Business Arrangement Disclosure to applicant within three (3) business days of application due to missing
information.
649210228 XXX XXX XXX 2 XXX $XXX FL 11/XX/2005 10/XX/2005 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
Rate/Term file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to determine cause of under disclosure due to missing itemization of amount
consummation. A lookback was performed to determine this application date. financed.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated
Business Arrangement Disclosure to applicant within three (3) business days of application due to missing
information.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating
one or more entries are estimates.
649210229 XXX XXX XXX 2 XXX $XXX FL 11/XX/2005 10/XX/2005 Second Purchase 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
Home file. Compliance tests were run using an application date of 10/XX/2005 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - Final TIL Not Provided to Borrower At or Before Consummation: Truth in Lending
Act: Final TIL was not provided to the borrower by closing.
649210234 XXX XXX XXX 1 XXX $XXX CA 4/XX/2006 3/XX/2006 Primary Refinance 3 D D D D 3 D D D D [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Yes TR HUD
Cash-out - Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance Deficiency
Debt testing.
Consolidation [2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan
program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan
that did not start as an ARM.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 03/XX/2006 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - Right of Rescission Timing - Receipt Date Missing: Missing Final TIL Signature
Date. Unable to determine compliance with rescission timing requirements.
[2] Closing / Title - (Doc Error) TIL Error: Borrower signature not dated.
[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating
one or more entries are estimates.
649210270 XXX XXX XXX 2 XXX $XXX WA 6/XX/2006 6/XX/2006 Primary Purchase 1 A A A A 1 A A A A -
649210235 XXX XXX XXX 2 XXX $XXX FL 8/XX/2006 7/XX/2006 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program -
Cash-out - disclosure not provided to the borrower within three (3) days of application.
Debt [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Consolidation on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
Credit Score Disclosure.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business
Arrangement Disclosure to applicant within three (3) business days of application.
649210233 XXX XXX XXX 1 XXX $XXX FL 8/XX/2006 7/XX/2006 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
Cash-out - file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to
Other consummation. A lookback was performed to determine this application date.
649210236 XXX XXX XXX 1 XXX $XXX CA 8/XX/2006 7/XX/2006 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided -
Rate/Term within three (3) days of application due to missing information.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 07/XX/2006 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated
Business Arrangement Disclosure to applicant within three (3) business days of application due to missing
information.
[2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance
(Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the
proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have
been used.
649210241 XXX XXX XXX 2 XXX $XXX CA 12/XX/2006 11/XX/2006 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
Cash-out - file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to
Debt consummation. A lookback was performed to determine this application date.
Consolidation
649210242 XXX XXX XXX 1 XXX $XXX NV 1/XX/2007 1/XX/2007 Investment Refinance 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
Cash-out - file. Compliance tests were run using an application date of 01/XX/2007 which is 0 months prior to
Other consummation. A lookback was performed to determine this application date.
649210239 XXX XXX XXX 1 XXX $XXX CA 2/XX/2007 1/XX/2007 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
Rate/Term file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
649210238 XXX XXX XXX 1 XXX $XXX FL 2/XX/2007 1/XX/2007 Primary Refinance 2 B B B B [3] Appraisal Documentation - Missing Document: Appraisal not 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
Cash-out - provided: Valuation Type: Stated / Valuation Report Date: <empty> file. Compliance tests were run using an application date of 01/XX/2007 which is 1 months prior to
Other consummation. A lookback was performed to determine this application date.
649210240 XXX XXX XXX 1 XXX $XXX FL 4/XX/2007 3/XX/2007 Primary Purchase 2 B B B B [3] Appraisal Documentation - Missing Document: Appraisal not 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA -
provided: Valuation Type: Stated / Valuation Report Date: 04/XX/2007 Credit Score Disclosure.
[3] Credit Documentation - Missing Document: Credit Report not [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
provided
649210244 XXX XXX XXX 2 XXX $XXX CA 4/XX/2007 3/XX/2007 Investment Refinance 2 B B B B 2 B B B B [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not -
Cash-out - provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.
Other
649210272 XXX XXX XXX 2 XXX $XXX FL 5/XX/2007 4/XX/2007 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA -
Rate/Term Credit Score Disclosure.
649210245 XXX XXX XXX 1 XXX $XXX FL 5/XX/2007 4/XX/2007 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided -
Cash-out - within three (3) days of application due to missing information.
Debt [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Consolidation on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 04/XX/2007 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated
Business Arrangement Disclosure to applicant within three (3) business days of application due to missing
information.
649210273 XXX XXX XXX 2 XXX $XXX AZ 5/XX/2007 5/XX/2007 Primary Purchase 2 B B B B [3] Credit Documentation - Missing Document: Credit Report not 2 B B B B [2] Federal Compliance - ARM Disclosure Timing Test: Unable to determine if ARM disclosure was provided -
provided within three (3) days of application due to missing information.
[3] Application / Processing - Missing Document: Missing Final 1003 [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
649210274 XXX XXX XXX 1 XXX $XXX FL 6/XX/2007 5/XX/2007 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Status Test: TIL variable rate disclosure: ARM loan program -
Rate/Term disclosure not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 05/XX/2007 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
649210275 XXX XXX XXX 2 XXX $XXX FL 7/XX/2007 5/XX/2007 Primary Purchase 1 A A A A [3] Credit Documentation - Missing Document: Credit Report not 1 A A A A -
provided
649210247 XXX XXX XXX 2 XXX $XXX TX 12/XX/2007 11/XX/2007 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA -
Credit Score Disclosure.
649210246 XXX XXX XXX 1 XXX $XXX FL 12/XX/2007 11/XX/2007 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
file. Compliance tests were run using an application date of 11/XX/2007 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - Final TIL Estimated: Final TIL disclosure found in file had markings indicating
one or more entries are estimates.
649210248 XXX XXX XXX 1 XXX $XXX NY 2/XX/2008 11/XX/2007 Primary Purchase 1 A A A A 1 A A A A -
649210249 XXX XXX XXX 1 XXX $XXX NY 3/XX/2008 2/XX/2008 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
Cash-out - file. Compliance tests were run using an application date of 02/XX/2008 which is 1 months prior to determine under disclosure due to missing itemization of amount
Other consummation. A lookback was performed to determine this application date. financed.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649210252 XXX XXX XXX 2 XXX $XXX WA 1/XX/2009 12/XX/2008 Primary Refinance 2 B B B B 2 B B B B [2] State Compliance - Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided): -
Rate/Term Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided
to borrower.
649210253 XXX XXX XXX 1 XXX $XXX PA 8/XX/2009 7/XX/2009 Primary Refinance 1 A A A A 1 A A A A -
Rate/Term
649210254 XXX XXX XXX 2 XXX $XXX NY 8/XX/2011 6/XX/2011 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage -
Rate/Term Licensing Act: NMLSR information not present on loan application.
[2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance
(Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the
proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have
been used.
649210256 XXX XXX XXX 1 XXX $XXX IL 9/XX/2011 8/XX/2011 Primary Refinance 2 B B B B [3] Appraisal Documentation - Missing Document: Appraisal not 2 B B B B [2] Federal Compliance - (Missing Data) Unable to determine if loan is a same lender refi: Original Lender -
Rate/Term provided: Valuation Type: Stated / Valuation Report Date: <empty> was not able to be determined. Unable to determine if correct TILA rescission form was used.
[3] Credit Documentation - Missing Document: Credit Report not [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement
provided Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement
Disclosure.
649210255 XXX XXX XXX 2 XXX $XXX FL 11/XX/2011 10/XX/2011 Primary Refinance 2 B B B B 2 B B B B [2] Miscellaneous Compliance - (Doc Error) GFE Error: There is no evidence that the interest rate was -
Rate/Term locked prior to closing
[2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date
not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine
rate used for testing.
[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on
Final GFE does not match Note.
[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment
on GFE does not match actual payment on loan.
[2] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow
account statement does not match charges on HUD-1/Final Closing Disclosure.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Missing: RESPA
Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement.
[2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage
Licensing Act: NMLSR information not present on loan application.
649210259 XXX XXX XXX 2 XXX $XXX TX 2/XX/2012 1/XX/2012 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not -
Rate/Term provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 01/XX/2012 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance
violation for 803 fee without evidence of sufficient cure provided.
[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 801) With Cure: RESPA (2010): 0% tolerance
violation for 801 fee with evidence of cure provided on Final HUD-1
[2] Federal Compliance - RESPA (2010) - Initial Payment on Final HUD-1 Inaccurate: RESPA (2010): Initial
payment on Final HUD-1 does not match actual payment on loan.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated
Business Arrangement Disclosure to applicant within three (3) business days of application due to missing
information.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3
Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable
to determine compliance with timing requirements due to missing Initial Loan Application Date.
649210257 XXX XXX XXX 1 XXX $XXX CA 3/XX/2012 2/XX/2012 Primary Refinance 1 A A A A 1 A A A A -
Rate/Term
649210260 XXX XXX XXX 2 XXX $XXX IL 4/XX/2012 3/XX/2012 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
Rate/Term file. Compliance tests were run using an application date of 03/XX/2012 which is 1 months prior to
consummation. A lookback was performed to determine this application date.
[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: Unable to
determine compliance with timing requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment
on GFE does not match actual payment on loan.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3
Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
[2] Federal Compliance - SAFE Act - LO Company not licensed at time of application: Unable to test LO
company NMLS license due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test
Individual Loan Originator license status due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan
Originator license due to missing information.
[2] Federal Compliance - SAFE Act - LO Company NMLS license status not approved: Unable to test LO company
status due to missing information.
[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Unable
to determine compliance with timing requirements due to missing Initial Loan Application Date.
649210258 XXX XXX XXX 2 XXX $XXX FL 5/XX/2012 3/XX/2012 Primary Refinance 2 B B B B [3] Appraisal Documentation - Missing Document: Appraisal not 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA -
Rate/Term provided: Valuation Type: Stated / Valuation Report Date: <empty> Credit Score Disclosure.
[3] Insurance Documentation - Missing Document: Mortgage Insurance [2] Federal Compliance - RESPA (2010) - GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) - GFE
Certificate (MIC) not provided column on page 3 of Final HUD-1 does not match most recently disclosed GFE.
[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance
violation for 1203 fee with evidence of cure provided on Final HUD-1
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement
Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement
Disclosure.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3
Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing
Disclosure Statement to applicant within three (3) business days of application.
649210261 XXX XXX XXX 2 XXX $XXX FL 6/XX/2012 2/XX/2012 Investment Refinance 1 A A A A [3] Appraisal Documentation - Missing Document: Appraisal not 1 A A A A -
Rate/Term provided: Valuation Type: Stated / Valuation Report Date: <empty>
649210262 XXX XXX XXX 1 XXX $XXX FL 7/XX/2012 6/XX/2012 Investment Refinance 1 A A A A 1 A A A A -
Rate/Term
649210263 XXX XXX XXX 1 XXX $XXX GA 10/XX/2012 8/XX/2012 Primary Refinance 2 B B B B [3] Appraisal Documentation - Missing Document: Appraisal not 2 B B B B [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) Without Cure: RESPA (2010): 0% tolerance -
Rate/Term provided: Valuation Type: Stated / Valuation Report Date: <empty> violation for 1203 fee without evidence of sufficient cure provided.
649210264 XXX XXX XXX 2 XXX $XXX FL 10/XX/2012 6/XX/2012 Primary Refinance 2 B B B B [3] Appraisal Documentation - Missing Document: Appraisal not 2 B B B B [2] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date -
Rate/Term provided: Valuation Type: Stated / Valuation Report Date: <empty> not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine
rate used for testing.
[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA
(2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms
for all other settlement charges.
[2] Federal Compliance - RESPA (2010) - GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) - GFE
column on page 3 of Final HUD-1 does not match most recently disclosed GFE.
[2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA:
Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.
[2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage
Licensing Act: NMLSR information not present on loan application.
649210265 XXX XXX XXX 2 XXX $XXX FL 10/XX/2012 9/XX/2012 Primary Refinance 2 B B B B [3] Appraisal Documentation - Missing Document: Appraisal not 2 B B B B [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement -
Rate/Term provided: Valuation Type: Stated / Valuation Report Date: <empty> Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement
Disclosure.
[2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3
Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing
Disclosure Statement to applicant within three (3) business days of application.
[2] Federal Compliance - SAFE Act - NMLS Info Not in File: Secure and Fair Enforcement for Mortgage
Licensing Act: NMLSR information not present on loan application.
649210266 XXX XXX XXX 1 XXX $XXX IL 3/XX/2013 1/XX/2013 Primary Refinance 2 B B B B [3] Appraisal Documentation - Missing Document: Appraisal not 2 B B B B [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 802) Without Cure: RESPA (2010): 0% tolerance -
Rate/Term provided: Valuation Type: Stated / Valuation Report Date: <empty> violation for 802 fee without evidence of sufficient cure provided.
[2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 803) Without Cure: RESPA (2010): 0% tolerance
violation for 803 fee without evidence of sufficient cure provided.
[2] Federal Compliance - RESPA (2010) - GFE column on HUD Comparison Chart Inaccurate: RESPA (2010) - GFE
column on page 3 of Final HUD-1 does not match most recently disclosed GFE.
[2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on
Final GFE does not match Note.
[2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment
on GFE does not match actual payment on loan.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement
Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement
Disclosure.
[2] Federal Compliance - SAFE Act - Individual LO NMLS license status not approved: Unable to test
Individual Loan Originator license status due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO not licensed at time of application: Unable to test Loan
Originator license due to missing information.
[2] Federal Compliance - SAFE Act - Individual LO NMLS does not match NMLS: Secure and Fair Enforcement for
Mortgage Licensing Act: Individual Loan Originator NMLSR information on loan documents does not match
NMLSR.
[2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance
(Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the
proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have
been used.
649209408 XXX XXX 2 XXX $XXX MI 4/XX/2004 3/XX/2004 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Compliant: TIL variable rate disclosure: ARM loan program -
valuation inspection is dated prior to the most recent FEMA disclosure does not match terms of loan.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure
Inspection Date: XX/XX/XXXX not provided to the borrower within three (3) days of application.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement
Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement
Disclosure.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209682 XXX XXX 2 XXX $XXX MI 4/XX/2004 3/XX/2004 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL -
valuation inspection is dated prior to the most recent FEMA Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. Itemization did not disclose the Title Courier fee of $XXX and
disaster.: Disaster Date: XX/XX/XXXX underdisclosed recording fees by $XXX as prepaid finance charges.
Inspection Date: XX/XX/XXXX Closing instructions indicate the Index used was 1.109%. The closest
Index available in our look-back period is 1.16%.
649209301 XXX XXX 2 XXX $XXX OH 4/XX/2004 2/XX/2004 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook -
Rate/Term valuation inspection is dated prior to the most recent FEMA on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
disaster.: Disaster Date: XX/XX/XXXX
Inspection Date: XX/XX/XXXX
649209529 XXX XXX 1 XXX $XXX CO 3/XX/2004 2/XX/2004 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL -
Cash-out - not provided to the borrower within three (3) days of application. itemization did not disclose a recording service fee of $XXX and a
Debt [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook settlement closing fee $XXX as prepaid finance charges.
Consolidation on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of
application.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209685 XXX XXX 1 XXX $XXX SC 3/XX/2004 2/XX/2004 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
valuation inspection is dated prior to the most recent FEMA not provided to the borrower. determine underdisclosure based on itemization of amount financed.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[3] Application / Processing - Missing Document: Missing Final 1003 [2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina
Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or
inquiries about the origination and making of the loan.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649210103 XXX XXX 1 XXX $XXX MA 6/XX/2006 6/XX/2006 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
Cash-out - valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application.
Debt disaster.: Disaster Date: XX/XX/XXXX
Consolidation Inspection Date:
649209465 XXX XXX 2 XXX $XXX MI 1/XX/2004 1/XX/2004 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure Federal Compliance - Final TIL Finance Charge Under Disclosed: Closing -
Cash-out - valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application. instructions indicate the Index used was 1.1%. The closest Index
Other disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook available in our look-back period is 1.19%.
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of
application.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] State Compliance - Michigan Consumer Mortgage Protection Act (Borrower Bill of Rights Disclosure Not
Provided Timely): Michigan Consumer Mortgage Protection Act: Borrower Bill of Rights disclosure not
provided to borrower at the time of application.
[2] State Compliance - Michigan Consumer Caution and Home Ownership Counseling Notice Not Provided Timely:
Michigan Consumer Mortgage Protection Act: Consumer Caution and Home Ownership Counseling Notice not
provided to borrower at the time of application.
[2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan
Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to
borrower.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209439 XXX XXX 2 XXX $XXX IN 6/XX/2006 6/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of
[3] Application / Processing - Missing Document: Flood Certificate application.
not provided
649209485 XXX XXX 1 XXX $XXX MI 7/XX/2006 6/XX/2006 Second Purchase 1 A A A A [3] Application / Processing - FEMA Disaster Issue: The most recent 1 A A A A -
Home valuation inspection is dated prior to the most recent FEMA
disaster.: Disaster Date: XX/XX/XXXX
Inspection Date: XX/XX/XXXX
649209324 XXX XXX 2 XXX $XXX UT 5/XX/2006 4/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Flood Certificate 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
not provided file. Compliance tests were run using an application date of 4/XX/2006 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 11/XX/2005.
649209316 XXX XXX 1 XXX $XXX OH 12/XX/2003 11/XX/2003 Primary Refinance 3 D D D D [3] Application / Processing - FEMA Disaster Issue: The most recent 3 D D D D [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No Yes TR
Cash-out - valuation inspection is dated prior to the most recent FEMA document containing fees provided. Any applicable Federal, State or Local compliance testing is Indeterminable
Other disaster.: Disaster Date: XX/XX/XXXX unreliable.
Inspection Date: [2] Federal Compliance - ARM Disclosure Compliant: TIL variable rate disclosure: ARM loan program
[2] Closing / Title - Final Title Policy is missing. No evidence of disclosure does not match terms of loan.
title was found in file. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Application / Processing - Missing Document: Missing Lender's Initial 1003
[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located
in file. Compliance tests were run using an application date of 11/XX/2003 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for
testing was 6/XX/2003. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209809 XXX XXX 2 XXX $XXX MA 11/XX/2003 11/XX/2003 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure Federal Compliance - ARM Disclosure Status: Date Sent or Date Signed -
valuation inspection is dated prior to the most recent FEMA due to missing information. were not provided.
disaster.: Disaster Date: XX/XX/XXXX
Inspection Date: XX/XX/XXXX
649209490 XXX XXX 1 XXX $XXX MA 6/XX/2006 4/XX/2006 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
Cash-out - not provided to the borrower within three (3) days of application.
Other [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
649209822 XXX XXX 1 XXX $XXX TX 5/XX/2006 4/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of
[2] Closing / Title - Final Title Policy is missing. No evidence of application.
title was found in file.
649209377 XXX XXX 2 XXX $XXX WI 2/XX/2004 1/XX/2004 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure -
valuation inspection is dated prior to the most recent FEMA not provided to the borrower.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
649209766 XXX XXX 2 XXX $XXX NH 4/XX/2006 1/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement
Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement
Disclosure.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business
Arrangement Disclosure to applicant within three (3) business days of application.
649209965 XXX XXX 2 XXX $XXX CA 3/XX/2008 2/XX/2008 Primary Purchase 3 D D D D [3] Application / Processing - Missing Document: Missing Final 1003 3 D D D D [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing No TNR Testing
Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance Not Required
testing.
[2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due
to missing Initial Loan Application Date.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing
requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not
provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 2/XX/2008 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 2/XX/2008.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement
Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement
Disclosure.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
649209547 XXX XXX 2 XXX $XXX NJ 4/XX/2006 2/XX/2006 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook -
Cash-out - valuation inspection is dated prior to the most recent FEMA on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
Debt disaster.: Disaster Date: XX/XX/XXXX
Consolidation Inspection Date:
649209412 XXX XXX 1 XXX $XXX NY 10/XX/2003 9/XX/2003 Second Purchase 3 C C C C [3] Application / Processing - FEMA Disaster Issue: The most recent 3 C C C C [3] Federal Compliance - Disparity in Occupancy: The mortgage loan file contains documenting evidence the Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL Other
Home valuation inspection is dated prior to the most recent FEMA consumer intends to occupy the subject property as their primary residence. (Compliance testing performed itemization did not disclose the following fees as prepaid finance Exceptions
disaster.: Disaster Date: XX/XX/XXXX based on the Occupancy Type of Second Home) charges: $XXX Application Fee, $XXX Attorney Fee, $XXX Funding Fee, $XXX
Inspection Date: XX/XX/XXXX [2] Federal Compliance - Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Processing Fee.
Missing: FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special
Flood Hazard Disclosure.
[2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification
Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior
to closing.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 9/XX/2003 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 8/XX/2003.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209424 XXX XXX 2 XXX $XXX MI 9/XX/2003 8/XX/2003 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
Cash-out - valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application.
Other disaster.: Disaster Date: XX/XX/XXXX [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan
Inspection Date: XX/XX/XXXX Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to
borrower.
649209966 XXX XXX 2 XXX $XXX MN 3/XX/2006 2/XX/2006 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
Cash-out - not provided to the borrower within three (3) days of application.
Other [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of
application.
649209471 XXX XXX 2 XXX $XXX GA 8/XX/2003 7/XX/2003 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
valuation inspection is dated prior to the most recent FEMA on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. determine under disclosure due to missing itemization of amount
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance financed.
Inspection Date: XX/XX/XXXX Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209702 XXX XXX 2 XXX $XXX AZ 2/XX/2008 1/XX/2008 Investment Purchase 1 A A A A [2] Closing / Title - Final Title Policy is missing. No evidence of 1 A A A A -
title was found in file.
649209504 XXX XXX 2 XXX $XXX MA 2/XX/2006 2/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due -
valuation inspection is dated prior to the most recent FEMA to missing Initial Loan Application Date.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing
Inspection Date: XX/XX/XXXX requirements due to missing Initial Loan Application Date.
[3] Application / Processing - Missing Document: Flood Certificate [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
not provided Credit Score Disclosure.
[2] Closing / Title - Final Title Policy is missing. No evidence of [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
title was found in file. file. Compliance tests were run using an application date of 2/XX/2006 which is 0 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 2/XX/2006.
649209709 XXX XXX 1 XXX $XXX NH 3/XX/2006 2/XX/2006 Second Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
Home Cash-out - valuation inspection is dated prior to the most recent FEMA file. Compliance tests were run using an application date of 2/XX/2006 which is 1 months prior to
Other disaster.: Disaster Date: XX/XX/XXXX consummation. A lookback was performed to determine this application date. The final date used for testing
Inspection Date: XX/XX/XXXX was 1/XX/2006.
[3] Application / Processing - Missing Document: Flood Certificate
not provided
649209667 XXX XXX 2 XXX $XXX PA 2/XX/2006 1/XX/2006 Investment Purchase 1 A A A A [3] Insurance Documentation - Missing Document: Mortgage Insurance 1 A A A A -
Certificate (MIC) not provided
649209918 XXX XXX 1 XXX $XXX CA 1/XX/2006 1/XX/2006 Primary Refinance 1 A A A A 1 A A A A -
Cash-out -
Debt
Consolidation
649209526 XXX XXX 2 XXX $XXX CT 1/XX/2006 12/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due -
valuation inspection is dated prior to the most recent FEMA to missing Initial Loan Application Date.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[3] Application / Processing - Missing Document: Flood Certificate [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
not provided Credit Score Disclosure.
[3] Insurance Documentation - Missing Document: Mortgage Insurance [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
Certificate (MIC) not provided file. Compliance tests were run using an application date of 12/XX/2005 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 7/XX/2005.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
649209715 XXX XXX 2 XXX $XXX OH 5/XX/2002 2/XX/2002 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent Loan package from 2002- no inspection from 2006 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
Rate/Term valuation inspection is dated prior to the most recent FEMA available not provided to the borrower. determine as the file did not contain an itemization of amount financed.
disaster.: Disaster Date: XX/XX/XXXX Final loan application not found in package [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[3] Application / Processing - Missing Document: Missing Final 1003 [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction
Date: Truth in Lending Act: Subject loan transaction disbursed on 5/XX/2002, prior to three (3) business
days from transaction date of 5/XX/2002.
649209329 XXX XXX 1 XXX $XXX PA 12/XX/2005 12/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Flood Certificate 2 B B B B [2] Federal Compliance - ARM Disclosure Compliant: TIL variable rate disclosure: ARM loan program -
not provided disclosure does not match terms of loan.
[2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due
to missing Initial Loan Application Date.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 12/XX/2005 which is 0 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 12/XX/2005.
649209355 XXX XXX 2 XXX $XXX OH 1/XX/2006 12/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook -
valuation inspection is dated prior to the most recent FEMA on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
Inspection Date: XX/XX/XXXX Credit Score Disclosure.
649209837 XXX XXX 1 XXX $XXX MA 12/XX/2005 11/XX/2005 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
Cash-out - valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application.
Home disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook
Improvement Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of
application.
649209594 XXX XXX 1 XXX $XXX FL 3/XX/2006 2/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Flood Certificate 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA -
not provided Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 2/XX/2006 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 12/XX/2005.
649209502 XXX XXX 1 XXX $XXX IL 1/XX/2006 9/XX/2005 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure Federal Compliance - High Cost Indicator Flag: High Risk Home Loan -
Rate/Term valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application. Disclosure found in file
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL
Inspection Date: XX/XX/XXXX on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. itemization did not disclose a Tax Service Fee of $XXX as prepaid
[2] Federal Compliance - High Cost Indicator Flag: Loan does not exceed any high cost thresholds, however, finance charges.
documentation indicating loan was originated as a high cost loan found in file.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209805 XXX XXX 1 XXX $XXX CA 11/XX/2007 10/XX/2007 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Missing Final 1003 2 B B B B [2] Federal Compliance - ARM Disclosure Compliant: TIL variable rate disclosure: ARM loan program -
Rate/Term disclosure does not match terms of loan.
[2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due
to missing Initial Loan Application Date.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 10/XX/2007 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 10/XX/2007.
[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement
Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement
Disclosure.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209570 XXX XXX 1 XXX $XXX IL 10/XX/2005 9/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL -
valuation inspection is dated prior to the most recent FEMA on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. Itemization only disclosed Closing fee in the amount of $XXX, however,
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA final HUD reflects $XXX.
Inspection Date: XX/XX/XXXX Credit Score Disclosure.
[3] Application / Processing - Missing Document: Flood Certificate [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
not provided [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
[3] Application / Processing - Missing Document: Missing Final 1003 file. Compliance tests were run using an application date of 9/XX/2005 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 9/XX/2005.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209550 XXX XXX 1 XXX $XXX MA 10/XX/2005 9/XX/2005 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
Cash-out - valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application.
Other disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook
Inspection Date: XX/XX/XXXX on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of
application.
649209704 XXX XXX 2 XXX $XXX IN 12/XX/1999 12/XX/1999 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook -
Cash-out - valuation inspection is dated prior to the most recent FEMA on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
Other disaster.: Disaster Date: XX/XX/XXXX
Inspection Date:
[3] Application / Processing - Missing Document: Missing Final 1003
649209909 XXX XXX 2 XXX $XXX MA 10/XX/2005 9/XX/2005 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent FEMA disaster was after the original loan closing 2 B B B B [2] Federal Compliance - ARM Disclosure Compliant: TIL variable rate disclosure: ARM loan program -
Cash-out - valuation inspection is dated prior to the most recent FEMA date disclosure does not match terms of loan.
Debt disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure
Consolidation Inspection Date: not provided to the borrower within three (3) days of application.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of
application.
[2] Federal Compliance - FACTA Disclosure Missing: Unable to determine FACTA Credit Score Disclosure was
provided due to missing information.
649209448 XXX XXX 2 XXX $XXX FL 9/XX/2005 8/XX/2005 Second Purchase 1 A A A A [3] Application / Processing - FEMA Disaster Issue: The most recent 1 A A A A -
Home valuation inspection is dated prior to the most recent FEMA
disaster.: Disaster Date: XX/XX/XXXX
Inspection Date:
[3] Application / Processing - Missing Document: Flood Certificate
not provided
[3] Application / Processing - Missing Document: Missing Final 1003
649209280 XXX XXX 2 XXX $XXX SC 10/XX/1999 8/XX/1999 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
649209911 XXX XXX 1 XXX $XXX IL 1/XX/2005 1/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL -
valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application. Itemization did not disclose a Settlement Closing fee of $XXX, email fee
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook of $XXX and a Illinois Policy fee of $XXX as total prepaid finance
Inspection Date: XX/XX/XXXX on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. charges.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
Credit Score Disclosure.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209902 XXX XXX 2 XXX $XXX WI 1/XX/2005 9/XX/2004 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
Rate/Term valuation inspection is dated prior to the most recent FEMA on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. determine under disclosure due to missing itemization of amount
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance financed.
Inspection Date: XX/XX/XXXX Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209919 XXX XXX 1 XXX $XXX NV 9/XX/2007 4/XX/2007 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
not provided to the borrower within three (3) days of application.
[2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of
application.
649209555 XXX XXX 2 XXX $XXX NY 9/XX/2005 8/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due -
valuation inspection is dated prior to the most recent FEMA to missing Initial Loan Application Date.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[3] Application / Processing - Missing Document: Flood Certificate [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
not provided file. Compliance tests were run using an application date of 8/XX/2005 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 8/XX/2005.
649209683 XXX XXX 1 XXX $XXX MI 3/XX/2003 2/XX/2003 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook -
valuation inspection is dated prior to the most recent FEMA on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
Inspection Date: XX/XX/XXXX file. Compliance tests were run using an application date of 2/XX/2003 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 9/XX/2002.
649209588 XXX XXX 2 XXX $XXX FL 8/XX/2005 7/XX/2005 Second Purchase 2 B B B B 2 B B B B [2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification -
Home Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior
to closing.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 7/XX/2005 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 2/XX/2005.
649209856 XXX XXX 1 XXX $XXX MA 8/XX/2005 7/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of
application.
649209711 XXX XXX 2 XXX $XXX IN 4/XX/1999 3/XX/1999 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
649209913 XXX XXX 2 XXX $XXX IL 8/XX/2005 7/XX/2005 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL -
Rate/Term valuation inspection is dated prior to the most recent FEMA to missing Initial Loan Application Date. itemization did not disclose a courier fee of $XXX and a tax pick up fee
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing of $XXX as prepaid finance charge
Inspection Date: XX/XX/XXXX requirements due to missing Initial Loan Application Date.
[3] Application / Processing - Missing Document: Flood Certificate [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
not provided file. Compliance tests were run using an application date of 7/XX/2005 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 7/XX/2005.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209464 XXX XXX 2 XXX $XXX MA 9/XX/2005 7/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure Federal Compliance - Final TIL Finance Charge Under Disclosed: Under- -
valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application. disclosure appears to be due to lender selecting an index value not
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook available in lookback period specified by Note. Variance indicated of
Inspection Date: XX/XX/XXXX on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of $XXX/mo over 84 months after first adjustment and $XXX/mo over final 240
[3] Application / Processing - Missing Document: Flood Certificate application. of loan term,
not provided [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
Credit Score Disclosure.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209393 XXX XXX 1 XXX $XXX NV 10/XX/2005 8/XX/2005 Second Purchase 2 B B B B 2 B B B B [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA -
Home Credit Score Disclosure.
649209710 XXX XXX 1 XXX $XXX WI 2/XX/2003 12/XX/2002 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
not provided to the borrower within three (3) days of application.
649209584 XXX XXX 2 XXX $XXX SC 8/XX/2007 7/XX/2007 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
not provided to the borrower within three (3) days of application.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
Credit Score Disclosure.
[2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina
Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or
inquiries about the origination and making of the loan.
649209890 XXX XXX 1 XXX $XXX MA 3/XX/2005 12/XX/2004 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
Rate/Term valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[3] Application / Processing - Missing Document: Missing Final 1003 [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business
Arrangement Disclosure to applicant within three (3) business days of application.
[2] Federal Compliance - TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction
Date: Truth in Lending Act: Subject loan transaction disbursed on 3/XX/2005, prior to three (3) business
days from transaction date of 3/XX/2005.
[2] Federal Compliance - TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement
Date: Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).
649209904 XXX XXX 1 XXX $XXX SC 7/XX/2005 6/XX/2005 Primary Refinance 1 A A A A [3] Application / Processing - FEMA Disaster Issue: The most recent 1 A A A A -
Rate/Term valuation inspection is dated prior to the most recent FEMA
disaster.: Disaster Date: XX/XX/XXXX
Inspection Date: XX/XX/XXXX
649209880 XXX XXX 2 XXX $XXX FL 7/XX/2005 6/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure -
valuation inspection is dated prior to the most recent FEMA due to missing information.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Inspection Date: XX/XX/XXXX on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[3] Application / Processing - Missing Document: Flood Certificate [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
not provided Credit Score Disclosure.
[2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification
Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior
to closing.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 6/XX/2005 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 6/XX/2005.
649209745 XXX XXX 2 XXX $XXX IN 7/XX/2007 7/XX/2007 Investment Refinance 1 A A A A [3] Application / Processing - FEMA Disaster Issue: The most recent 1 A A A A -
Cash-out - valuation inspection is dated prior to the most recent FEMA
Other disaster.: Disaster Date: XX/XX/XXXX
Inspection Date: XX/XX/XXXX
649209519 XXX XXX 1 XXX $XXX CT 8/XX/2007 6/XX/2007 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook -
valuation inspection is dated prior to the most recent FEMA on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
disaster.: Disaster Date: XX/XX/XXXX
Inspection Date: XX/XX/XXXX
649209771 XXX XXX 2 XXX $XXX IL 6/XX/2007 5/XX/2007 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Compliant: TIL variable rate disclosure: ARM loan program Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
valuation inspection is dated prior to the most recent FEMA disclosure does not match terms of loan. determine under disclosure due to missing itemization of amount
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure financed.
Inspection Date: XX/XX/XXXX not provided to the borrower within three (3) days of application.
[3] Application / Processing - Missing Document: Flood Certificate [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
not provided on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[3] Insurance Documentation - Missing Document: Mortgage Insurance [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Certificate (MIC) not provided Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209503 XXX XXX 2 XXX $XXX GA 7/XX/2007 6/XX/2007 Investment Refinance 3 D D D D [3] Application / Processing - FEMA Disaster Issue: The most recent 3 D D D D [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing No TNR Testing
Rate/Term valuation inspection is dated prior to the most recent FEMA Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance Not Required
disaster.: Disaster Date: XX/XX/XXXX testing.
Inspection Date: [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
[3] Application / Processing - Missing Document: Flood Certificate file. Compliance tests were run using an application date of 6/XX/2007 which is 1 months prior to
not provided consummation. A lookback was performed to determine this application date. The final date used for testing
was 6/XX/2007.
649209872 XXX XXX 1 XXX $XXX MA 5/XX/2005 5/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure -
valuation inspection is dated prior to the most recent FEMA Missing: FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special
disaster.: Disaster Date: XX/XX/XXXX Flood Hazard Disclosure.
Inspection Date: [2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification
Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior
to closing.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 5/XX/2005 which is 0 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 5/XX/2005.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209486 XXX XXX 1 XXX $XXX MA 12/XX/2004 10/XX/2004 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL -
Cash-out - valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application. itemization did not disclose an attorney fee of $XXX a processing fee of
Other disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook $XXX and a courier fee of $XXX as prepaid finance charge
Inspection Date: XX/XX/XXXX on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209496 XXX XXX 1 XXX $XXX VA 8/XX/2002 8/XX/2002 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent NA 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Inspection Date: XX/XX/XXXX on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[3] Application / Processing - Missing Document: Flood Certificate
not provided
[3] Application / Processing - Missing Document: Missing Final 1003
649209769 XXX XXX 1 XXX $XXX MA 5/XX/2005 4/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: Property is 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure -
located in a FEMA Disaster area and has not been inspected. not provided to the borrower.
[3] Application / Processing - FEMA Disaster Issue: The most recent [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
valuation inspection is dated prior to the most recent FEMA on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard
Inspection Date: Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing
[3] Application / Processing - Missing Document: Flood Certificate cannot be performed.
not provided [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[3] Application / Processing - Missing Document: Missing Final 1003 [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 4/XX/2005 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 11/XX/2004.
649209782 XXX XXX 2 XXX $XXX MI 4/XX/2005 4/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook
Inspection Date: XX/XX/XXXX on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of
application.
[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not
provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.
649209971 XXX XXX 2 XXX $XXX CA 5/XX/2007 4/XX/2007 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Flood Certificate 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
not provided not provided to the borrower within three (3) days of application.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard
Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing
cannot be performed.
649209574 XXX XXX 1 XXX $XXX CA 1/XX/2005 1/XX/2005 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due -
Cash-out - valuation inspection is dated prior to the most recent FEMA to missing Initial Loan Application Date.
Other disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing
Inspection Date: XX/XX/XXXX requirements due to missing Initial Loan Application Date.
[3] Application / Processing - Missing Document: Missing Final 1003 [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 1/XX/2005 which is 0 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 1/XX/2005.
649209420 XXX XXX 1 XXX $XXX VA 4/XX/2007 3/XX/2007 Investment Purchase 1 A A A A 1 A A A A -
649209524 XXX XXX 1 XXX $XXX MA 4/XX/2005 3/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook
Inspection Date: XX/XX/XXXX on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of
application.
649209963 XXX XXX 2 XXX $XXX MN 4/XX/2007 3/XX/2007 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
Cash-out - valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application. determine under disclosure due to missing itemization of amount financed
Other disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Inspection Date: XX/XX/XXXX on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[3] Application / Processing - Missing Document: Flood Certificate [2] Federal Compliance - (Missing Data) Flood Hazard Zone: Federal Compliance - (Missing Data) Flood Hazard
not provided Zone: Special Flood Hazard Zone indicator was not provided. The applicable flood zone related testing
cannot be performed.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209506 XXX XXX 2 XXX $XXX CT 3/XX/2007 3/XX/2007 Investment Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
valuation inspection is dated prior to the most recent FEMA file. Compliance tests were run using an application date of 3/XX/2007 which is 0 months prior to
disaster.: Disaster Date: XX/XX/XXXX consummation. A lookback was performed to determine this application date. The final date used for testing
Inspection Date: was 3/XX/2007.
[3] Application / Processing - Missing Document: Flood Certificate
not provided
649209572 XXX XXX 2 XXX $XXX NJ 4/XX/2007 3/XX/2007 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
Cash-out - valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application. determine underdisclosure due to missing itemization of amount financed.
Other disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of
[3] Application / Processing - Missing Document: Flood Certificate application.
not provided [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209266 XXX XXX 2 XXX $XXX OH 5/XX/2005 4/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure -
valuation inspection is dated prior to the most recent FEMA not provided to the borrower.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
Credit Score Disclosure.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 4/XX/2005 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 11/XX/2004.
649209726 XXX XXX 2 XXX $XXX OH 3/XX/2005 2/XX/2005 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
Rate/Term valuation inspection is dated prior to the most recent FEMA not provided to the borrower. determine reason for under disclosure due to missing itemization of
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook amount financed.
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
Credit Score Disclosure.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209308 XXX XXX 1 XXX $XXX IN 3/XX/2007 3/XX/2007 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook -
valuation inspection is dated prior to the most recent FEMA on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
Inspection Date: XX/XX/XXXX file. Compliance tests were run using an application date of 3/XX/2007 which is 0 months prior to
[3] Application / Processing - Missing Document: Flood Certificate consummation. A lookback was performed to determine this application date. The final date used for testing
not provided was 3/XX/2007.
[3] Application / Processing - Missing Document: Missing Final 1003
649209690 XXX XXX 1 XXX $XXX MO 2/XX/2005 1/XX/2005 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook
Inspection Date: XX/XX/XXXX on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of
application.
649209964 XXX XXX 1 XXX $XXX AZ 2/XX/2005 1/XX/2005 Primary Purchase 3 D D D D [3] Application / Processing - Missing Document: Flood Certificate 3 D D D D [3] Federal Compliance - Missing Final HUD-1: No Document Used For Fee Testing: Missing Final HUD-1. No No TNR Testing
not provided document containing fees provided. Any applicable Federal, State or Local compliance testing is Not Required
[3] Application / Processing - Missing Document: Missing Final 1003 unreliable.
[2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure
not provided to the borrower.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
[2] Federal Compliance - Missing Initial Loan Application No Fees: No evidence of application date located
in file. Compliance tests were run using an application date of 1/XX/2005 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for
testing was 8/XX/2004. Due to missing HUD-1 or Closing Disclosure, no fees were used in testing.
[2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.
649209820 XXX XXX 2 XXX $XXX MN 11/XX/2004 11/XX/2004 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
Cash-out - valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application.
Debt disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Consolidation Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[3] Insurance Documentation - Missing Document: Mortgage Insurance
Certificate (MIC) not provided
649210105 XXX XXX 2 XXX $XXX NC 12/XX/2004 11/XX/2004 Second Refinance 1 A A A A [3] Application / Processing - FEMA Disaster Issue: The most recent 1 A A A A -
Home Rate/Term valuation inspection is dated prior to the most recent FEMA
disaster.: Disaster Date: XX/XX/XXXX
Inspection Date:
649209499 XXX XXX 2 XXX $XXX AZ 3/XX/2007 3/XX/2007 Primary Purchase 2 B B B B [3] Application / Processing - Missing Document: Flood Certificate 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
not provided not provided to the borrower within three (3) days of application.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
649209326 XXX XXX 1 XXX $XXX SC 3/XX/2007 2/XX/2007 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due -
valuation inspection is dated prior to the most recent FEMA to missing Initial Loan Application Date.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Inspection Date: XX/XX/XXXX on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not
provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.
[2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification
Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior
to closing.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 2/XX/2007 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 12/XX/2006.
[2] State Compliance - South Carolina CHL Complaint Agency Disclosure Timing Test: Unable to determine
compliance with timing requirements due to missing Initial Loan Application Date.
649209512 XXX XXX 1 XXX $XXX NC 3/XX/2005 2/XX/2005 Primary Purchase 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
not provided to the borrower within three (3) days of application. determine under disclosure due to missing Itemization of Amount
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Financed.
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
Credit Score Disclosure.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209484 XXX XXX 2 XXX $XXX MA 11/XX/2004 6/XX/2004 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
Cash-out - valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application.
Other disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
649209551 XXX XXX 1 XXX $XXX NY 10/XX/2004 9/XX/2004 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure -
Cash-out - valuation inspection is dated prior to the most recent FEMA due to missing information.
Other disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - Notice of Special Flood Hazard Disclosure Missing: Unable to determine compliance
of Notice of Special Flood Hazard Disclosure due to missing information.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 9/XX/2004 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 9/XX/2004.
649209388 XXX XXX 2 XXX $XXX AZ 4/XX/2002 3/XX/2002 Primary Refinance 3 D D D D 3 D D D D [3] Federal Compliance - Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing: Missing Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to Yes TR HUD
Rate/Term Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance determine under disclosure due to missing itemization of amount Deficiency
testing. financed.
[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209645 XXX XXX 1 XXX $XXX PA 9/XX/2004 8/XX/2004 Investment Purchase 1 A A A A [3] Application / Processing - FEMA Disaster Issue: The most recent 1 A A A A -
valuation inspection is dated prior to the most recent FEMA
disaster.: Disaster Date: XX/XX/XXXX
Inspection Date:
649209915 XXX XXX 1 XXX $XXX CA 12/XX/2006 11/XX/2006 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Flood Certificate Not in file 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due Federal Compliance - Final TIL Finance Charge Under Disclosed: Unable to -
Rate/Term not provided to missing Initial Loan Application Date. determine the fee under disclosure due to missing the itemization of
[3] Application / Processing - Missing Document: Missing Final 1003 [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook amount financed.
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification
Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior
to closing.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 11/XX/2006 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 9/XX/2006.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209926 XXX XXX 2 XXX $XXX FL 9/XX/2004 8/XX/2004 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Compliant: TIL variable rate disclosure: ARM loan program Federal Compliance - Final TIL Finance Charge Under Disclosed: -
valuation inspection is dated prior to the most recent FEMA disclosure does not match terms of loan. Settlement fee of $XXX Courier Fee of $XXX and Wire Fee of $XXX not
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure included in finance charges per TIL itemization.
Inspection Date: not provided to the borrower within three (3) days of application.
[3] Application / Processing - Missing Document: Missing Final 1003 [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of
application.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209846 XXX XXX 2 XXX $XXX MA 12/XX/2006 10/XX/2006 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook -
Rate/Term valuation inspection is dated prior to the most recent FEMA on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of
disaster.: Disaster Date: XX/XX/XXXX application.
Inspection Date: XX/XX/XXXX
649209798 XXX XXX 2 XXX $XXX CA 11/XX/2006 11/XX/2006 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
Cash-out - valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application.
Other disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[3] Application / Processing - Missing Document: Flood Certificate [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance
not provided (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the
proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have
been used.
649209701 XXX XXX 1 XXX $XXX IL 12/XX/2006 7/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure -
valuation inspection is dated prior to the most recent FEMA not provided to the borrower.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
649209678 XXX XXX 1 XXX $XXX VT 8/XX/2004 7/XX/2004 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook -
Cash-out - valuation inspection is dated prior to the most recent FEMA on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
Other disaster.: Disaster Date: XX/XX/XXXX [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
Inspection Date: XX/XX/XXXX [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 7/XX/2004 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 4/XX/2004.
649209582 XXX XXX 2 XXX $XXX MI 8/XX/2004 7/XX/2004 Primary Refinance 2 B B B B 2 B B B B [2] State Compliance - Michigan Consumer Mortgage Protection Act (Counseling Agencies List): Michigan -
Cash-out - Consumer Mortgage Protection Act: List of HUD-approved credit counseling agencies not provided to
Other borrower.
649209716 XXX XXX 1 XXX $XXX SC 7/XX/2004 5/XX/2004 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] State Compliance - South Carolina Home Loan (Complaint Agency Disclosure Not Provided): South Carolina
Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or
inquiries about the origination and making of the loan.
649209314 XXX XXX 2 XXX $XXX FL 10/XX/2006 10/XX/2006 Primary Refinance 2 B B B B [3] Application / Processing - Missing Document: Flood Certificate 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
Cash-out - not provided not provided to the borrower within three (3) days of application.
Home [3] Application / Processing - Missing Document: Missing Final 1003 [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Improvement on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
649209627 XXX XXX 2 XXX $XXX TX 11/XX/2006 9/XX/2006 Second Refinance 1 A A A A [3] Application / Processing - FEMA Disaster Issue: The most recent 1 A A A A -
Home Cash-out - valuation inspection is dated prior to the most recent FEMA
Other disaster.: Disaster Date: XX/XX/XXXX
Inspection Date:
[3] Application / Processing - Missing Document: Flood Certificate
not provided
[3] Application / Processing - Missing Document: Missing Final 1003
649209531 XXX XXX 2 XXX $XXX CA 10/XX/2006 9/XX/2006 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due -
Cash-out - to missing Initial Loan Application Date.
Other [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 9/XX/2006 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 4/XX/2006.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
649209276 XXX XXX 2 XXX $XXX UT 3/XX/2002 1/XX/2002 Primary Refinance 2 B B B B 2 B B B B [2] Federal Compliance - ARM Disclosure Status: Unable to determine if loan file contains ARM Disclosure -
Cash-out - due to missing information.
Debt [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Consolidation on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
649209845 XXX XXX 2 XXX $XXX IN 10/XX/2006 9/XX/2006 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook Federal Compliance - Final TIL Finance Charge Under Disclosed: Final TIL -
Rate/Term valuation inspection is dated prior to the most recent FEMA on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. payment stream reflects MI dropping off after 76 months, however the HUD
disaster.: Disaster Date: XX/XX/XXXX [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided reflects MI dropping off after 77 months.
Inspection Date: XX/XX/XXXX [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 9/XX/2006 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 4/XX/2006.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: Unable to determine compliance with timing requirements due to missing
Initial Loan Application Date.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209874 XXX XXX 1 XXX $XXX FL 5/XX/2004 4/XX/2004 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
valuation inspection is dated prior to the most recent FEMA file. Compliance tests were run using an application date of 4/XX/2004 which is 1 months prior to
disaster.: Disaster Date: XX/XX/XXXX consummation. A lookback was performed to determine this application date. The final date used for testing
Inspection Date: XX/XX/XXXX was 11/XX/2003.
[3] Application / Processing - Missing Document: Missing Final 1003
649209795 XXX XXX 2 XXX $XXX CT 10/XX/2006 9/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook -
valuation inspection is dated prior to the most recent FEMA on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
disaster.: Disaster Date: XX/XX/XXXX [2] Miscellaneous Compliance - (Doc Error) Initial GFE not provided
Inspection Date: [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
[3] Application / Processing - Missing Document: Flood Certificate file. Compliance tests were run using an application date of 9/XX/2006 which is 1 months prior to
not provided consummation. A lookback was performed to determine this application date. The final date used for testing
[3] Application / Processing - Missing Document: Missing Final 1003 was 9/XX/2006.
649209523 XXX XXX 1 XXX $XXX CT 10/XX/2006 9/XX/2006 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
Cash-out - valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application.
Other disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Inspection Date: XX/XX/XXXX on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[3] Application / Processing - Missing Document: Flood Certificate [2] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA
not provided Credit Score Disclosure.
649209376 XXX XXX 2 XXX $XXX AL 10/XX/2006 9/XX/2006 Second Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure -
Home Cash-out - valuation inspection is dated prior to the most recent FEMA Missing: FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special
Other disaster.: Disaster Date: XX/XX/XXXX Flood Hazard Disclosure.
Inspection Date: XX/XX/XXXX [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 9/XX/2006 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 9/XX/2006.
649209568 XXX XXX 2 XXX $XXX CA 9/XX/2006 9/XX/2006 Investment Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in -
Rate/Term valuation inspection is dated prior to the most recent FEMA file. Compliance tests were run using an application date of 9/XX/2006 which is 0 months prior to
disaster.: Disaster Date: XX/XX/XXXX consummation. A lookback was performed to determine this application date. The final date used for testing
Inspection Date: XX/XX/XXXX was 9/XX/2006.
[3] Application / Processing - Missing Document: Flood Certificate
not provided
649209849 XXX XXX 2 XXX $XXX MI 5/XX/2004 4/XX/2004 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL -
valuation inspection is dated prior to the most recent FEMA not provided to the borrower. Itemiizatikon does not list the Origination fee of $XXX. As well it
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook shows the Closing fee of $XXX and the $XXX aplication fee as being paid
Inspection Date: XX/XX/XXXX on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. by someone other than the borrower. The payment stream is also off at
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance month 121. The TIL stream has the amount of $XXX for 60 months.
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. However, the calculated stream shows it for 79 months.
649209687 XXX XXX 1 XXX $XXX FL 5/XX/2004 4/XX/2004 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due Federal Compliance - Final TIL Finance Charge Under Disclosed: TIL -
valuation inspection is dated prior to the most recent FEMA to missing Initial Loan Application Date. itemization did not disclose a Processing Fee of $XXX a Settlement Fee
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook of $XXX and a Courier Fee of $XXX as prepaid finance charges.
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 4/XX/2004 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 4/XX/2004.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209923 XXX XXX 1 XXX $XXX NJ 10/XX/2004 4/XX/2004 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure Federal Compliance - TIL APR Tolerance Irregular Transaction: Under -
valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application. disclosure due to lender used an index outside the look back period per
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook the closing instructions
Inspection Date: XX/XX/XXXX on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of Federal Compliance - Final TIL Finance Charge Under Disclosed: Under
application. disclosure due to lender used an index outside the look back period per
[2] Federal Compliance - TIL APR Tolerance Irregular Transaction: Truth In Lending Act: Final TIL APR of the closing instructions
XXX% is underdisclosed from calculated APR of XXX% outside of XXX% tolerance.
[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance
Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.
649209395 XXX XXX 2 XXX $XXX AZ 9/XX/2006 8/XX/2006 Investment Purchase 1 A A A A 1 A A A A -
649209794 XXX XXX 2 XXX $XXX MA 9/XX/2006 8/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure -
valuation inspection is dated prior to the most recent FEMA not provided to the borrower.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[3] Application / Processing - Missing Document: Flood Certificate
not provided
649210106 XXX XXX 1 XXX $XXX MA 8/XX/2006 7/XX/2006 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: Unable to determine compliance with timing requirements due -
valuation inspection is dated prior to the most recent FEMA to missing Initial Loan Application Date.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Timing: Unable to determine compliance with timing
Inspection Date: XX/XX/XXXX requirements due to missing Initial Loan Application Date.
[2] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in
file. Compliance tests were run using an application date of 7/XX/2006 which is 1 months prior to
consummation. A lookback was performed to determine this application date. The final date used for testing
was 2/XX/2006.
649210098 XXX XXX 2 XXX $XXX RI 8/XX/2006 8/XX/2006 Primary Refinance 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
Cash-out - valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application.
Other disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Inspection Date: XX/XX/XXXX on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
649209389 XXX XXX 2 XXX $XXX MI 4/XX/2004 3/XX/2004 Primary Purchase 2 B B B B [3] Application / Processing - FEMA Disaster Issue: The most recent 2 B B B B [2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure -
valuation inspection is dated prior to the most recent FEMA not provided to the borrower within three (3) days of application.
disaster.: Disaster Date: XX/XX/XXXX [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook
Inspection Date: on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.
[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within
3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business
Arrangement Disclosure to applicant within three (3) business days of application.