FK Loan ID

Loan ID

ALT Loan ID

Group

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Finding Category

Finding Sub Category

Finding Name

Reviewer Comments

Seller Comments

Finding Resolution

Finding Document

Reviewer Comp Factors

Originator Comp Factors

State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

Acknowledged / Waived By

Waiver in File?

XXXX

XXXXXX

Closed

2024-01-XX 22:44

2024-01-XX 17:56

Resolved

Property

Value

Missing Post Close Valuation - 1

Resolved- - Due Diligence Vendor-01/XX/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/XX/2024

Ready for Review-Document Uploaded. - Due Diligence Vendor-01/XX/2024

Ready for Review-Appeal - See the Post Close Valuation - Buyer-01/XX/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/XX/2024

Resolved- - Due Diligence Vendor-01/XX/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/XX/2024

XXXXXXXXXX_CDA.pdf

Investment

Refinance

Cash Out - Debt Consolidation

XXX

N/A

XXXX

XXXXXX

Closed

2023-12-XX 20:40

2024-01-XX 14:14

Resolved

Compliance

TRID

TRID disclosure(s) for Borrower electronically dated prior to E-Consent

Resolved-Document Uploaded. - Due Diligence Vendor-01/XX/2024

Resolved-Valid EConsent provided. Condition cleared. - Due Diligence Vendor-01/XX/2024

Ready for Review-Document Uploaded. 1-8-24 - Appeal: See attached E-Consent form dated XX/XX/XXXX located in the file, which is prior to signed TRID docs dated XX/XX/XXXX....XX

- Buyer-01/XX/2024

Open-TRID disclosures signed XX/XX/XXXXare prior to E-Consent from Borrower dated XX/XX/XXXXDue Diligence Vendor-12/26/2023

Resolved-Document Uploaded. - Due Diligence Vendor-01/XX/2024

Resolved-Valid EConsent provided. Condition cleared. - Due Diligence Vendor-01/XX/2024

XXXXXXXXXX_E Consent Form.pdf

Investment

Refinance

Cash Out - Debt Consolidation

XXX

N/A

XXXX

XXXXXX

Closed

2023-12-XX 00:30

Acknowledged

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-12/XX/2023

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

XXX

Investor Post-Close

XXXX

XXXXXX

Closed

2024-01-XX 14:27

2024-01-XX 20:10

Resolved

Compliance

QM-ATR

ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/XX/2024

Ready for Review-Document Uploaded. 1/XX/2024: Appeal. Please see attached HMDA Summary Sheet that reflects reason for refinance is cash out home purchase. XX - Buyer-01/XX/2024

Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements No business purpose affidavit in file - Due Diligence Vendor-01/XX/2024

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/XX/2024

XXXXXXXXXX_HMDA.pdf

Investment

Refinance

Cash Out - Other

XXX

N/A

XXXX

XXXXXX

Closed

2024-01-XX 14:33

2024-01-XX 17:12

Resolved

Compliance

Mavent

AbilityToRepay: QMPointsAndFees

Resolved-Loan qualifies as business purpose and exempt from testing. Condition cleared. - Due Diligence Vendor-01/XX/2024

Ready for Review-Appeal: QM exempt. Delayed financing of Investment property purchase. - Buyer-01/XX/2024

Open-The loan fees ($X,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($X,XXX.XX9), the difference is ($XXX.XX). (12 CFR 1026.43(e)(3). Provide rate sheet, Undiscounted Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-01/XX/2024

Resolved-Loan qualifies as business purpose and exempt from testing. Condition cleared. - Due Diligence Vendor-01/XX/2024

Investment

Refinance

Cash Out - Other

XXX

N/A

XXXX

XXXXXX

Closed

2024-01-XX 14:29

2024-01-XX 20:40

Resolved

Credit

Missing Doc

Required Documentation is Missing

Resolved-Credit supplement provided confirming lease paid in full. Condition cleared. - Due Diligence Vendor-01/XX/2024

Ready for Review-Document Uploaded. 1/XX/2024: Appeal. Please see attached credit report. The loan with XXX #XXXX was updated showing paid off as of XX/XX/XXXX. XX - Buyer-01/XX/2024

Open-Missing evidence lease account ****XXXX was paid and closed as required by AUS - Due Diligence Vendor-01/XX/2024

Resolved-Credit supplement provided confirming lease paid in full. Condition cleared. - Due Diligence Vendor-01/XX/2024

XXXXXXXXXX_Credit report_Debt XXXX.pdf

Investment

Refinance

Cash Out - Other

XXX

N/A

XXXX

XXXXXX

Closed

2023-12-XX 15:26

2024-01-XX 16:40

Resolved

Compliance

QM-ATR

ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/XX/2024

Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements. - Due Diligence Vendor-12/XX/2023

Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/XX/2024

Primary Residence

Purchase

XXX

N/A

XXXX

XXXXXX

Closed

2023-12-XX 14:28

2024-01-XX 16:39

Resolved

Credit

Missing Doc

Gift Documentation Incomplete

Resolved-Document Uploaded. - Due Diligence Vendor-01/XX/2024

Resolved-Proper documentation of personal gift of $XX,XXX.XX0 provided per selling guide. Condition cleared. - Due Diligence Vendor-01/XX/2024

Ready for Review-Document Uploaded. Appeal: Attached please find the wire information for funds wired directley to the closing agent. It appears the funds to close were sent in one lump sum with the spouse's account showing as originator and is considered satisfactory verification of funds coming from spouse. The XXX gift letter and proof spouse account > $XX,XXX.XX in file. It is noted that the original gift letter was XXXX but then the XXX XXX was wired separately, so the gift was broken up as XXX and XXX. Thank you for taking a look at this one, - Buyer-01/XX/2024

Open-Guidelines require a signed gift letter from the donor specifying the following: (1) the specific dollar amount of the gift and the date the funds were transferred to the borrower, (2) donor’s name, address, telephone number and the relationship to the borrower and (3) the donor’s statement that no repayment is expected. The gift documentation is incomplete for the gift funds provided. Provide below documents: 1) a copy of the donor’s check and the borrower’s deposit slip, 2) a copy of the donor’s withdrawal slip and the borrower’s deposit slip, 3) evidence of the electronic transfer of funds from the donor's account to the borrower's account or to the closing agent 4) a copy of the donor’s check to the closing agent, or 5) a settlement statement showing receipt of the donor’s check. - Due Diligence Vendor-12/XX/2023

Resolved-Document Uploaded. - Due Diligence Vendor-01/XX/2024

Resolved-Proper documentation of personal gift of $XX,XXX.XX provided per selling guide. Condition cleared. - Due Diligence Vendor-01/XX/2024

XXXXXXXXXX_Wire to Close.pdf

XXXXXXXXXX_Gift and funds.pdf

XXXXXXXXXX_Wire to Close.pdf

Primary Residence

Purchase

XXX

N/A

XXXX

XXXXXX

Closed

2023-12-XX 18:52

2024-01-XX 20:16

Resolved

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application

Resolved- - Due Diligence Vendor-01/XX/2024

Resolved-Evidence provided of RESPA 1003 date of XX/XX/XXXX. LE provided within required timeline. Condition cleared. - Due Diligence Vendor-01/XX/2024

Ready for Review-Document Uploaded. - Due Diligence Vendor-01/XX/2024

Ready for Review-1/8-Application dated XX/XX/XXXX was a credit only application, the sales contract was accepted after XX/XX/XXXX. Initial credit only application and initial loan application dated XX/XX/XXXX provided via FTP site. Loan estimated dated XX/XX/XXXX which is dated in sufficient time frame from property identified application. Please rescind. XX - Buyer-01/XX/2024

Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The Initial Disclosure Date (XX/XX/XXXX is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). - Due Diligence Vendor-12/28/2023

Resolved- - Due Diligence Vendor-01/XX/2024

Resolved-Evidence provided of RESPA 1003 date of XX/XX/XXXX. LE provided within required timeline. Condition cleared. - Due Diligence Vendor-01/XX/2024

XXXXXXXXXX_Property identified loan application -initial.pdf

XXXXXXXXXX_Credit only loan application.pdf

Primary Residence

Purchase

XXX

N/A

XXXX

XXXXXX

Closed

2024-01-XX 23:34

Acknowledged

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-01/XX/2024

Primary Residence

Purchase

XXX

Investor Post-Close

XXXX

XXXXXX

Closed

2024-01-XX 18:32

2024-02-XX 00:21

Resolved

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Valid COC provided to support fee increase. No tolerance cure required. Condition cleared. - Due Diligence Vendor-02/XX/2024

Counter-LEs dated XX/XX/XXXX and XX/XX/XXXX reflect Discount Points of $X,XXX.XX at 0.39%. However, revised LE dated XX/XX/XXXX reflects Discount Points of $X,XXX.XX at XXX%. Final CD reflects Discount Points of $X,XXX.XX at XXX%. No evidence provided that proper COC was provided to establish new baseline test above $X,XXX.XX as disclosed on initial LE. Condition remains. - Due Diligence Vendor-01/XX/2024

Ready for Review-Document Uploaded. - Due Diligence Vendor-01/XX/2024

Ready for Review-Document Uploaded. 1.XX.24 Appeal attached LE XX/XX/XXXX loan amt $XXX,XXX.XX -XXX% =$X,XXX.XX. CDv7- 11.XX.21 loan amt $XXX,XXX.XX .0.89%-points $X,XXX.XX difference of $X,XXX.XX, loan amount change due to unpaid balance updated. Kindly review rescind.XX. - Buyer-01/XX/2024

Resolved-Valid COC provided to support fee increase. No tolerance cure required. Condition cleared. - Due Diligence Vendor-02/XX/2024

XXXXXXXXXX_LE-final CDv7-XXX XXXXXXX.pdf

Primary Residence

Refinance

Rate and Term

XXX

N/A

XXXX

XXXXXX

Closed

2024-01-XX 18:32

2024-02-XX 00:21

Resolved

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001026)

Resolved-Valid COC provided to support fee increase. No tolerance cure required. Condition cleared. - Due Diligence Vendor-02/XX/2024

Ready for Review-the differences is the loan amount change. - Buyer-01/XX/2024

Counter-LEs dated XX/XX/XXXX and XX/XX/XXXX reflect Discount Points of $X,XXX.XX at XXX%. However, revised LE dated XX/XX/XXXX reflects Discount Points of $X,XXX.XX at XXX%. Final CD reflects Discount Points of $X,XXX.XX at XXX%. No evidence provided that proper COC was provided to establish new baseline test above $X,XXX.XX as disclosed on initial LE. Condition remains. - Due Diligence Vendor-01/XX/2024

Ready for Review-Document Uploaded. - Due Diligence Vendor-01/XX/2024

Ready for Review-Document Uploaded. 1.XX.24 Appeal attached LE XX/XX/XXXX Loan amt $XXX,XXX.XX -XXX% =$X,XXX.XX. CDv7- XX/XX/XXXX loan amt $XXX,XXX.XX .XXX%-points $X,XXX.XX difference of $X,XXX.XX, loan amount change due to unpaid balance updated. Kindly review rescind.XX. - Buyer-01/XX/2024

Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The Initial Loan Estimate reflects Discount Points of $X,XXX.XX. The Final CD reflects Discount Points of $X,XXX.XX. The loan file did not contain a valid COC to support the increase. A tolerance cure was provided at Closing for $XXX.XX. An additional tolerance cure of $X,XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/XX/2024

Resolved-Valid COC provided to support fee increase. No tolerance cure required. Condition cleared. - Due Diligence Vendor-02/XX/2024

XXXXXXXXXX_LE-final CDv7-XXX XXXXXXX.pdf

Primary Residence

Refinance

Rate and Term

XXX

N/A

XXXX

XXXXXX

Closed

2024-01-XX 18:03

2024-02-XX 20:17

Resolved

Compliance

Mavent

HighCost: Fees

Resolved-Lender rebuttal reviewed. Borrower chosen attorney fee removed from testing per NY state statute. Condition cleared. - Due Diligence Vendor-02/07/2024

Ready for Review-Document Uploaded. Appeal: Please see attached response from XXX. - Buyer-02/07/2024

Counter-Undiscounted rate of 4.375% received and reviewed. Compliance re-tested and loan does not pass NY High Cost Home Loan Act. Full discount fee amount of $X,XXX.XX included in test. Under the New York High Cost Home Loan Act, up to 2 bona fide loan discount points may be excluded but only if the interest rate from which the loan's interest rate will be discounted does not exceed by more than 1% the yield on US treasury securities having comparable periods of maturity to the loan maturity as of the 15th day of the month immediately preceding the month in which the application is received. This loan's Undiscounted Rate of (4.375%) exceeds (1.85%) plus 1%. (NY Bank 6-l(1)(c) and (g)) - Due Diligence Vendor-01/19/2024

Ready for Review-Appeal: Please see compliance test uploaded with QM exception appeal with undiscounted rate on page 3. - Buyer-01/18/2024

Open-The loan fees ($X,XXX.XX) exceed the (NYPart41New) High Cost fee limit, which is ($X,XXX.XX), the difference is ($XXX.XX). $X,XXX.XX > $X,XXX.XX, the maximum points and fees allowed. Provide rate sheet, Undiscount Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-01/XX/2024

Resolved-Lender rebuttal reviewed. Borrower chosen attorney fee removed from testing per NY state statute. Condition cleared. - Due Diligence Vendor-02/XX/2024

XXXXXXXXXX NY Points and Fees Rebuttal.pdf

Primary Residence

Purchase

XXX

N/A

XXXX

XXXXXX

Closed

2024-01-XX 18:04

2024-01-XX 14:18

Resolved

Compliance

Mavent

AbilityToRepay: QMPointsAndFees

Resolved-Document Uploaded. - Due Diligence Vendor-01/XX/2024

Resolved-Evidence of undiscounted rate of XXX% provided. No points and fees violation. Condition cleared. - Due Diligence Vendor-01/XX/2024

Resolved- - Due Diligence Vendor-01/XX/2024

Ready for Review-Document Uploaded. Appeal: Please see attached compliance test with undiscounted rate on page 3. - Seller-01/XX/2024

Open-The loan fees ($X,XXX.XX) exceed the (QM) (Note Amount >=$XX,XXX.XX and <$XXX,XXX.XX) fee limit, which is ($X,XXX.XX), the difference is ($XXX.XX). (12 CFR 1026.43(e)(3)). Provide rate sheet, Undiscount Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-01/XX/2024

Ready for Review-Document Uploaded. Appeal: Please see attached compliance test with undiscounted rate on page 3. - Seller-01/XX/2024

Resolved-Document Uploaded. - Due Diligence Vendor-01/XX/2024

Resolved-Evidence of undiscounted rate of XXX% provided. No points and fees violation. Condition cleared. - Due Diligence Vendor-01/XX/2024

Resolved- - Due Diligence Vendor-01/XX/2024

XXXXXXXXXX Compliance Test.pdf

Primary Residence

Purchase

XXX

N/A

XXXX

XXXXXX

Closed

2024-01-XX 18:04

2024-01-XX 14:11

Resolved

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Valid COC provided to support fee increase. No tolerance cure required, Condition cleared. - Due Diligence Vendor-01/XX/2024

Ready for Review-Document Uploaded. - Due Diligence Vendor-01/XX/2024

Ready for Review-Please see CIC documentation uploaded on the other tolerance exception for appraisal fee - Buyer-01/XX/2024

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Tolerance cure of $XXX.XX to be provided within 60 days of discovery. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/XX/2024

Resolved-Valid COC provided to support fee increase. No tolerance cure required, Condition cleared. - Due Diligence Vendor-01/XX/2024

XXXXXXXXXX CIC Appraisal.pdf

Primary Residence

Purchase

XXX

N/A

XXXX

XXXXXX

Closed

2024-01-XX 18:04

2024-01-XX 14:11

Resolved

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-Valid COC provided to support fee increase. No tolerance cure required, Condition cleared. - Due Diligence Vendor-01/XX/2024

Ready for Review-Document Uploaded. - Due Diligence Vendor-01/XX/2024

Ready for Review-Document Uploaded. Please see CIC documentation for appraisal fee - Buyer-01/XX/2024

Open-The Loan Estimate, dated XX/XX/XXXX, reflects an appraisal fee of $XXX.XX. Final CD dated XX/XX/XXXX reflects an appraisal fee of $XXX.XX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-01/XX/2024

Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-01/XX/2024

Resolved-Valid COC provided to support fee increase. No tolerance cure required, Condition cleared. - Due Diligence Vendor-01/XX/2024

XXXXXXXXXXCIC Appraisal.pdf

XXXXXXXXXX CIC Appraisal.pdf

Primary Residence

Purchase

XXX

N/A

XXXX

XXXXXX

Closed

2024-02-XX 18:04

Acknowledged

Property

Value

Secondary valuation supports within 10%, PIW grading applies

Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/XX/2024

Primary Residence

Purchase

XXX

Investor Post-Close

XXXX

XXXXXX

Closed

2024-02-XX 17:29

2024-02-XX 17:56

Resolved

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Evidence provided that borrower received initial CD electronically to meet timing requirement. Condition cleared. - Due Diligence Vendor-02/XX/2024

Ready for Review-Document Uploaded. - Due Diligence Vendor-02/XX/2024

Ready for Review-Document Uploaded. 2/XX/24 Appeal: Please see the uploaded XXXXXXXXX XXXXXXX system screenshots showing that the initial CD was received by the borrower on XX/XX/XXXX, which was within the required timeframe (3 days prior to closing on XX/XX/XXXX). XX - Buyer-02/XX/2024

Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of (XX/XX/XXXX) with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of (XX/XX/XXXX). No Cure. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/XX/2024

Resolved-Evidence provided that borrower received initial CD electronically to meet timing requirement. Condition cleared. - Due Diligence Vendor-02/XX/2024

XXXXXXXXXX_Initial CD Receipt - XX.pdf

Primary Residence

Purchase

XXX

N/A

XXXX

XXXXXX

Closed

2024-02-XX 13:43

2024-02-XX 17:33

Resolved

Compliance

Mavent

AbilityToRepay: QMPointsAndFees

Resolved-Document Uploaded. Evidence of undiscounted rate provided. Compliance re-tested and passed. Condition cleared. - Due Diligence Vendor-02/XX/2024

Ready for Review-Document Uploaded. Appeal: Please see Undiscounted Rate History Screen - Buyer-02/XX/2024

Open-The loan fees ($X,XXX.XX) exceed the (QM) (Note Amount >=$XXX,XXX.XX) fee limit, which is 3% of the Total Loan Amount ($X,XXX.XX), the difference is ($XXX.XX). (12 CFR 1026.43(e)(3). Provide rate sheet, Undiscounted Rate/PAR, or some form of proof that verifies the amount the borrower paid in points directly led to a discount in rate. Compliance will be re-reviewed upon receipt. - Due Diligence Vendor-02/XX/2024

Resolved-Document Uploaded. Evidence of undiscounted rate provided. Compliance re-tested and passed. Condition cleared. - Due Diligence Vendor-02/XX/2024

XXXXXXXXXX Undiscounted Rate History Screen.pdf

Primary Residence

Purchase

XXX

N/A

XXXX

XXXXXX

Closed

2024-02-XX 16:16

2025-02-XX 22:59

Acknowledged

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001026)

Acknowledged-This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-02/XX/2025

Counter-Lender provided screen shots for the increase in appraisal fee. Increase was due to the expiration of the appraisal which resulted in an update. COC for the increase in Appraisal fee is valid. The 10% tolerance fee violation remains. Total fee violation was $X,XXX.XX with a cure of $X,XXX.XX reflecting on the final CD. The remaining amount required for a cure is $XX.XX. Provide Letter of Explanation, proof of refund/copy of check, corrected PCCD, and proof of delivery to borrower. This finding is outside the statute of limitations and will be rated a B for all agencies.

- Due Diligence Vendor-03/XX/2024

Ready for Review-Document Uploaded. - Due Diligence Vendor-03/XX/2024

Ready for Review-Please see additional doc on other exception. If acceptable please update 10% category to reflect the accurate amount of the cure shortage. - Seller-03/XX/2024

Counter-Document Uploaded. - Due Diligence Vendor-03/XX/2024

Counter-Lender rebuttal was reviewed. After further analysis, it has been determined that the internal screen shot reflecting an appraisal update does not include the reason for the update and is therefore not valid. Provide a valid COC for the Appraisal update. Also, missing a COC for exceeding the 10% fee tolerance. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-03/XX/2024

Ready for Review-Please see appeal and documents on the other exception - Seller-02/XX/2024

Counter-Document Uploaded. Evidence of $X,XXX.XX cured at closing provided. However, total tolerance cure required was $X,XXX.XX due to unsupported fee increases for appraisal update fee and 10% fees. Condition remains. - Due Diligence Vendor-02/XX/2024

Ready for Review-Document Uploaded. 2/XX/24 - Appeal: see attached system generated documents showing Tax Map Verification Fee $X,XXX.XX was Cured and paid by the Lender, therefore not a Tolerance issue…XX

- Buyer-02/XX/2024

Open-A Lender Credit for Excess Charges of ($X,XXX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-02/XX/2024

Ready for Review-Please see additional doc on other exception. If acceptable please update 10% category to reflect the accurate amount of the cure shortage. - Seller-03/XX/2024

Ready for Review-Please see appeal and documents on the other exception - Seller-02/XX/2024

Acknowledged-This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-02/XX/2025

XXXXXXXXXX_Tolerance Cure.pdf

XXXXXXXXXX_Tolerance Cure_Lender Credit.pdf

XXXXXXXXXX_Tolerance Cure.pdf

XXXXXXXXXX_Tolerance Cure_Lender Credit.pdf

1389869340_XXX-XXX_ CIC Appraisal Update.pdf

XXXXXXXXXX CIC Appraisal Update Reason.pdf

Primary Residence

Refinance

Rate and Term

XXX

Investor Post-Close

XXXX

XXXXXX

Closed

2024-02-XX 16:16

2025-02-XX 22:58

Acknowledged

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Acknowledged-This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-02/XX/2025

- Due Diligence Vendor-03/XX/2024

Ready for Review-Document Uploaded. Appeal: Please see additional screen with comments regarding reason for update - Seller-03/XX/2024

Counter-Document Uploaded. - Due Diligence Vendor-03/XX/2024

Ready for Review-Document Uploaded. Appeal: Please see attached CIC for Appraisal Update. Please also check baseline for Lender's Title Ins. Initial LE established baseline of XXXX.XX. - Buyer-02/XX/2024

Counter-Evidence of $X,XXX.XX cured at closing provided. However, total tolerance cure required was $X,XXX.XX due to unsupported fee increases for appraisal update fee and 10% fees. Condition remains. - Due Diligence Vendor-02/XX/2024

Ready for Review-Document Uploaded. - Due Diligence Vendor-02/XX/2024

- Seller-02/XX/2024

Open-A Lender Credit for Excess Charges of ($X,XXX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-02/XX/2024

Ready for Review-Document Uploaded. Appeal: Please see additional screen with comments regarding reason for update - Seller-03/XX/2024

- Seller-02/XX/2024

Acknowledged-This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-02/XX/2025

XXXXXXXXXX_Tolerance Cure.pdf

XXXXXXXXXX_Tolerance Cure_Lender Credit.pdf

XXXXXXXXXX_Tolerance Cure.pdf

XXXXXXXXXX_Tolerance Cure_Lender Credit.pdf

1389869340_XXX-XXX_ CIC Appraisal Update.pdf

XXXXXXXXXX CIC Appraisal Update Reason.pdf

Primary Residence

Refinance

Rate and Term

XXX

Investor Post-Close

XXXX

XXXXXX

Closed

2024-02-XX 16:31

2024-02-XX 15:26

Resolved

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001261)

Resolved-Valid COC to support decrease in lender credits. No tolerance cure required. Condition cleared. - Due Diligence Vendor-02/28/2024

Ready for Review-Document Uploaded. - Due Diligence Vendor-02/28/2024

Ready for Review-Document Uploaded. 2-26-24 APPEAL, Providing evidence of COC for change in Lender Credits. /XX

- Buyer-02/26/2024

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits is ($X,XXX.XX). The actual total fee amount shows a credit amount of ($X,XXX.XX). The following actual fees submitted as "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure. (12 CFR 1026.19e)(3) and comments 19(e)(3)-5 and -6; 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). The Loan Estimate, dated XX/XX/XXXX, reflects a general Lender Credit of $X,XXX.XX in Section J. Final CD dated XX/XX/XXXX reflects lender paid fees of $X,XXX.XX and a general Lender Credit of $X,XXX.XX in Section J. The loan file did not contain a valid COC to support the decrease. No evidence of a tolerance cure was provided in file. A tolerance cure of $XXX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-02/20/2024

Resolved-Valid COC to support decrease in lender credits. No tolerance cure required. Condition cleared. - Due Diligence Vendor-02/XX/2024

XXXXXXXXXX_COC.pdf

Primary Residence

Refinance

Rate and Term

XXX

N/A

XXXX

XXXXXX

Closed

2024-02-XX 16:31

2024-02-XX 15:26

Resolved

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved-Valid COC to support decrease in lender credits. No tolerance cure required. Condition cleared. - Due Diligence Vendor-02/XX/2024

Ready for Review-Document Uploaded. - Due Diligence Vendor-02/XX/2024

Ready for Review-Document Uploaded. 2-XX-24 APPEAL, Providing evidence of COC for change in Lender Credits. /XX

- Buyer-02/XX/2024

Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Tolerance cure of $XXX.XX to be provided within 60 days of discovery. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-02/XX/2024

Resolved-Valid COC to support decrease in lender credits. No tolerance cure required. Condition cleared. - Due Diligence Vendor-02/XX/2024

XXXXXXXXXX_COC.pdf

Primary Residence

Refinance

Rate and Term

XXX

N/A

XXXX

XXXXXX

Closed

2023-12-XX 13:30

2024-01-XX 18:03

Resolved

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. Condition Resolved. - Due Diligence Vendor-01/XX/2024

Ready for Review-Appeal – See the Post Close Valuation. - XX - Buyer-01/XX/2024

Counter-Document Uploaded. - Due Diligence Vendor-01/XX/2024

Counter-LoanSafe Fraud Manager Report is not acceptable secondary valuation to satisfy rating agency requirement. Condition remains. - Due Diligence Vendor-01/XX/2024

Ready for Review-Document Uploaded. Appeal – See the LoanSafe Fraud Manager Report dated XX/XX/XXXX pages 4-10 in support of the value XXX,XXX.XX at origination as of XX/XX/XXXX Within range Median XXX,XXX.XX to high XXX,XXX.XX. - XX - Buyer-01/XX/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-12/XX/2023

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. Condition Resolved. - Due Diligence Vendor-01/XX/2024

XXXXXXXXXX_LoanSafe Fraud Manager.pdf

XXXXXXXXXX_LoanSafe Report.pdf

XXXXXXXXXX_AVM.pdf

Investment

Refinance

No Cash Out - Borrower Initiated

XXX

N/A

XXXX

XXXXXX

Closed

2023-12-XX 16:01

2024-01-XX 20:03

Resolved

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-01/XX/2024

Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-12/XX/2023

Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-01/XX/2024

Primary Residence

Purchase

XXX

N/A

XXXX

XXXXXX

Closed

2024-01-XX 18:28

Acknowledged

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/XX/2024

Investment

Refinance

Cash Out - Other

XXX

Investor Post-Close

XXXX

XXXXXX

Closed

2023-12-XX 17:44

2024-01-XX 18:27

Resolved

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. Condition Resolved. - Due Diligence Vendor-01/XX/2024

Ready for Review-Document Uploaded. - Due Diligence Vendor-01/XX/2024

Ready for Review-Document Uploaded. 1/XX/24 Appeal: Please see the uploaded CDA, dated XX/XX/XXXX, with a value of $XXX,XXX.XX, providing variance of 0% relative to the appraised value of $XXX,XXX.XX. XX - Buyer-01/XX/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/XX/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. Condition Resolved. - Due Diligence Vendor-01/XX/2024

XXXXXXXXXX_CDA.pdf

Investment

Refinance

Cash Out - Other

XXX

N/A

XXXX

XXXXXX

Closed

2023-12-XX 16:05

2024-01-XX 20:05

Resolved

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-Valid change of circumstance provided to support the fee increases. No tolerance cure required. Condition cleared. - Due Diligence Vendor-01/05/2024

Ready for Review-Document Uploaded. 1/4/24 - See attached copy of the Change in Circumstance Record…XX

- Buyer-01/04/2024

Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-12/29/2023

Resolved-Valid change of circumstance provided to support the fee increases. No tolerance cure required. Condition cleared. - Due Diligence Vendor-01/XX/2024

XXXXXXXXXX_Change of Circumstance.pdf

Investment

Refinance

Cash Out - Other

XXX

N/A

XXXX

XXXXXX

Closed

2023-12-XX 16:05

2024-01-XX 20:04

Resolved

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Document Uploaded. - Due Diligence Vendor-01/XX/2024

Resolved-Valid change of circumstance provided to support the fee increases. No tolerance cure required. Condition cleared. - Due Diligence Vendor-01/XX/2024

Ready for Review-Document Uploaded. 1/XX/24 - See attached copy of the Change in Circumstance Record…XX

- Buyer-01/XX/2024

Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County, Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-12/XX/2023

Resolved-Document Uploaded. - Due Diligence Vendor-01/XX/2024

Resolved-Valid change of circumstance provided to support the fee increases. No tolerance cure required. Condition cleared. - Due Diligence Vendor-01/XX/2024

XXXXXXXXXX_Change of Circumstance.pdf

Investment

Refinance

Cash Out - Other

XXX

N/A

XXXX

XXXXXX

Closed

2024-01-XX 19:33

2024-01-XX 20:21

Resolved

Property

Value

Missing Post Close Valuation - 1

Resolved- - Due Diligence Vendor-01/XX/2024

Resolved-Document Uploaded. - Due Diligence Vendor-01/XX/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/XX/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/XX/2024

Resolved- - Due Diligence Vendor-01/XX/2024

Resolved-Document Uploaded. - Due Diligence Vendor-01/XX/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/XX/2024

XXXXXXXXXX_CDA.pdf

Investment

Refinance

Cash Out - Other

XXX

N/A

XXXX

XXXXXX

Closed

2024-01-XX 19:23

Acknowledged

Property

Value

S&P value equals B, secondary product within tolerance

Investment

Refinance

Cash Out - Other

XXX

Investor Post-Close

XXXX

XXXXXX

Closed

2023-12-XX 19:30

2024-01-XX 23:23

Resolved

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Resolved-Iemization of seller paid fees provided. Compliance retested and no finance charge violation. Condition cleared. - Due Diligence Vendor-01/XX/2024

Ready for Review-Document Uploaded. - Due Diligence Vendor-01/XX/2024

Ready for Review-Pending receipt of Seller Paid Buyer PPFC doc - Due Diligence Vendor-01/XX/2024

Counter-Document Uploaded. - Due Diligence Vendor-01/XX/2024

Counter-The document provided for review indicates the Initial CD was issued XX/XX/XXXX, this CD is not located in the loan file; condition remains. - Due Diligence Vendor-01/XX/2024

Ready for Review-Document Uploaded. 1/XX/24: Appeal. Please see attached screen print showing seller paid buyer's closing cost and list the items ppfc. The figures were recalculated and the disclosed finance charge of $XXX,XXX.XX i yielded fc accurate result. XX

- Seller-01/XX/2024

Open-The disclosed finance charge ($XXX,XXX.XX) is ($X,XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) It appears the lender did not include certain fees in the amount of $X,XXX.XX in the calculation. Unable to determine which fees were not added. Provide Letter of Explanation, Proof of Restitution, Disclose Correct Information, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-12/XX/2023

- Seller-01/XX/2024

Resolved-Iemization of seller paid fees provided. Compliance retested and no finance charge violation. Condition cleared. - Due Diligence Vendor-01/XX/2024

XXXXXXXXXX_Seller Paid Buyer PPFC.pdf

XXXXXXXXXX_CD Receipt date.pdf

XXXXXXXXXX_Seller Paid Buyer PPFC.pdf

Primary Residence

Purchase

XXX

N/A

XXXX

XXXXXX

Closed

2023-12-XX 19:30

2024-01-XX 23:17

Resolved

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Evidence provided that borrower received initial CD electronically within timing requirement. Condition cleared. - Due Diligence Vendor-01/XX/2024

Ready for Review-1/XX/24 - Appeal: document sent shows highlighted in yellow above Date issued XX/XX/XXXX this is the date that should be considered…XX

- Buyer-01/24/2024

Counter-Document Uploaded. - Due Diligence Vendor-01/XX/2024

Counter-The document provided for review indicates the Initial CD was issued XX/XX/XXXX, this CD is not located in the loan file; condition remains. - Due Diligence Vendor-01/XX/2024

Ready for Review-Document Uploaded. 1/XX/24 - Appeal: see attached copy of system generated document from XX showing that the Initial CD was issued and received by the borrower on XX/XX/XXXX, therefore if the date of consummation is XX/XX/XXXX it is outside of the 3 day period....XX

- Buyer-01/XX/2024

Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX(12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-12/XX/2023

Resolved-Evidence provided that borrower received initial CD electronically within timing requirement. Condition cleared. - Due Diligence Vendor-01/XX/2024

XXXXXXXXXX_CD Receipt date.pdf

Primary Residence

Purchase

XXX

N/A

XXXX

XXXXXX

Closed

2024-01-XX 18:13

2024-03-XX 16:26

Resolved

Property

Value

Missing Post Close Valuation - 1

Resolved-A CDA Report was provided. Variance within tolerance. Condition cleared. - Due Diligence Vendor-03/XX/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/XX/2024

Ready for Review-Appeal - See the AVM added to the shared folder, supports origination value of XXX,XXX.XX with 0% variance. - Buyer-02/XX/2024

Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-01/XX/2024

Resolved-A CDA Report was provided. Variance within tolerance. Condition cleared. - Due Diligence Vendor-03/XX/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/XX/2024

XXXXXXXXXX_CDA.pdf

Primary Residence

Refinance

No Cash Out - Borrower Initiated

XXX

N/A

XXXX

XXXXXX

Closed

2024-02-XX 21:25

Acknowledged

Property

Value

S&P value equals B, secondary product within tolerance

Primary Residence

Purchase

XXX

Investor Post-Close

XXXX

XXXXXX

Closed

2024-03-XX 12:56

2024-04-XX 15:33

Waived

Credit

Eligibility

Ineligible Property Type

Waived-Waiver for co-op in XXX from underwriting manager provided in file accompanied by DU approve/eligible. This finding is non-material and will be rated as B for all agencies. - Due Diligence Vendor-03/XX/2024

Open-Property type is ineligible due to Co-op in XXX. - Due Diligence Vendor-03/XX/2024

Agency eligible loan with DU Approve/Eligible, Value supported by comparable sales used

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

XXX

Originator Pre-Close

Yes

XXXX

XXXXXX

Closed

2024-02-XX 14:19

2024-03-XX 17:24

Resolved

Compliance

Disclosure

E-Consent documentation on TRID loan is missing for borrower(s)

Resolved-Document Uploaded. e-Consent received. Condition Resolved. - Due Diligence Vendor-03/XX/2024

Ready for Review-Document Uploaded. 2/XX/24 Providing consent. XX - Buyer-02/XX/2024

Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-02/XX/2024

Resolved-Document Uploaded. e-Consent received. Condition Resolved. - Due Diligence Vendor-03/XX/2024

XXXXXXXXXX_XXXXXXXXXX_e-Consent.pdf

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

XXX

N/A

XXXX

XXXXXX

Closed

2024-02-XX 18:05

2024-02-XX 22:16

Resolved

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Document Uploaded. Valid COC provided to support fee increase. No additional cure required. Condition cleared. - Due Diligence Vendor-02/XX/2024

Ready for Review-02/XX/2024 - Appeal: The appraised value came in at $XXX,XXX.XX (estimated at $XXX,XXX.XX) which created an LTV increase from XXX% to XXX%. Discount points increased in order to keep the interest rate at XXX%. Please see attached approval2 which reflects the updated Appraised value as well as the increased LTV. XX - Seller-02/XX/2024

Counter-XX screenshots showing COC dated XX/XX/XXXX. However, no COC provided to support increase to discount points amount of $XXX disclosed on initial LE dated XX/XX/XXXX to $X,XXX.XX on revised LE dated XX/XX/XXXX. Condition remains. - Due Diligence Vendor-02/XX/2024

Ready for Review-Document Uploaded. - Due Diligence Vendor-02/XX/2024

Ready for Review-02/XX/2024 Appeal: Please find attached screenshots from XXXXXXXX XXXXXXX. The loan was re-baselined due to a change in the loan amount. The updated fees were disclosed to the borrower on XX/XX/XXXX. XX- Buyer-02/XX/2024

Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The Loan Estimate, dated XX/XX/XXXX, reflects Discount Points of $XXX.XX. Interim CD dated XX/XX/XXXX reflects Discount Points of $X,XXX.XX. The loan file did not contain a valid COC to support the increase. Additional tolerance cure of $XXX.XX required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies. - Due Diligence Vendor-02/XX/2024

Resolved-Document Uploaded. Valid COC provided to support fee increase. No additional cure required. Condition cleared. - Due Diligence Vendor-02/XX/2024

XXXXXXXXXX_XX Screenshots.pdf

XXXXXXXXXX_Approval1.pdf

XXXXXXXXXX_Approval2.pdf

Primary Residence

Refinance

Cash Out - Other

XXX

N/A

XXXX

XXXXXX

Closed

2024-02-XX 18:05

2024-02-XX 22:15

Resolved

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001026)

Resolved-Document Uploaded. Valid COC provided to support fee increase. No additional cure required. Condition cleared. - Due Diligence Vendor-02/XX/2024

Counter-Document Uploaded. XX screenshots showing COC dated XX/XX/XXXX. However, no COC provided to support increase to discount points amount of $XXX.XX disclosed on initial LE dated XX/XX/XXXX to $X,XXX.XX on revised LE dated XX/XX/XXXX. Condition remains. - Due Diligence Vendor-02/XX/2024

Open-A Lender Credit for Excess Charges of ($XXX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of (XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The Loan Estimate, dated XX/XX/XXXX, reflects Discount Points of $XXX.XX. Interim CD dated XX/XX/XXXX reflects Discount Points of $X,XXX.XX. The loan file did not contain a valid COC to support the increase. Additional tolerance cure of $XXX.XX required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. This finding is outside the statute of limitations and will be rated a B for all agencies.

- Due Diligence Vendor-02/XX/2024

Resolved-Document Uploaded. Valid COC provided to support fee increase. No additional cure required. Condition cleared. - Due Diligence Vendor-02/XX/2024

XXXXXXXXXX_XX Screenshots.pdf

XXXXXXXXXX_Approval1.pdf

XXXXXXXXXX_Approval2.pdf

Primary Residence

Refinance

Cash Out - Other

XXX

N/A

XXXX

XXXXXX

109

Closed

2024-02-XX 18:56

2024-02-XX 16:41

Resolved

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure and Consummation Date

Resolved-Evidence provided that borrower received initial CD electronically to meet timing requirement. Condition cleared. - Due Diligence Vendor-02/XX/2024

Ready for Review-02/XX/2024 Appeal: Please see uploaded MX screenshots. The borrower agree to view documents online on XX/XX/XXXX. The journal notes show that XXXXX spoke with XXXX (the borrower) on XX/XX/XXXX and reviewed the CD with the borrower. XX - Buyer-02/XX/2024

Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXX. No Cure. This finding is outside the statute of limitations and will be rated as B for all agencies. - Due Diligence Vendor-02/XX/2024

Resolved-Evidence provided that borrower received initial CD electronically to meet timing requirement. Condition cleared. - Due Diligence Vendor-02/XX/2024

Primary Residence

Purchase

XXX

N/A

XXXX

XXXXXX

109

Closed

2024-02-XX 18:56

2024-02-XX 16:39

Resolved

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Resolved-Document Uploaded. Itemization of lender credit provided. Compliance retested and passed. Condition cleared. - Due Diligence Vendor-02/XX/2024

Ready for Review-02/XX/2024 Appeal: Please see uploaded screenshot from XX which explains the Lender total credit of $XXX.XX. $XXX.XX was for the processing fee and $XX.XX was for the tax service fee. XX - Buyer-02/XX/2024

Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1) A general Lender Credit was listed on the final CD but cannot be used to offset the under-disclosure due to a missing an itemization of the credit. Provide itemization of general lender credit. Additional conditions may apply. This finding is outside the statute of limitations and will be rated as B for all agencies.

- Due Diligence Vendor-02/XX/2024

Resolved-Document Uploaded. Itemization of lender credit provided. Compliance retested and passed. Condition cleared. - Due Diligence Vendor-02/XX/2024

XXXXXXXXXX_XX Lender Credit Screenshots.pdf

Primary Residence

Purchase

XXX

N/A