J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G
Exhibit 99.19
| SellerLoanID | Customer Loan Number | Last Name | Note Date | Original Loan Amount | QM Status | ATR Status | Compliance Exceptions | Credit Exceptions | Property Valuation Exceptions | Initial Rating | Final Rating | Initial Credit Rating | Final Credit Rating | Initial Compliance Rating | Final Compliance Rating | Initial Property Valuation Rating | Final Property Valuation Rating | Initial Overall Grade(Moody's) | Final Overall Grade(Moody's) | Initial Credit Grade (Moody's) | Final Credit Grade (Moody's) | Initial Property Valuation Grade (Moody's) | Final Property Valuation Grade (Moody's) | Initial Compliance Grade (Moody's) | Final Compliance Grade (Moody's) | Initial Overall Grade (DBRS) | Final Overall Grade (DBRS) | Initial Credit Grade (DBRS) | Final Credit Grade (DBRS) | Initial Property Valuation Grade (DBRS) | Final Property Valuation Grade (DBRS) | Initial Compliance Grade (DBRS) | Final Compliance Grade (DBRS) | Initial Overall Grade (S&P) | Final Overall Grade (S&P) | Initial Credit Grade (S&P) | Final Credit Grade (S&P) | Initial Property Valuation Grade (S&P) | Final Property Valuation Grade (S&P) | Initial Compliance Grade (S&P) | Final Compliance Grade (S&P) | Initial Overall Grade (Fitch) | Final Overall Grade (Fitch) | Initial Credit Grade (Fitch) | Final Credit Grade (Fitch) | Initial Property Valuation Grade (Fitch) | Final Property Valuation Grade (Fitch) | Initial Compliance Grade (Fitch) | Final Compliance Grade (Fitch) | Initial Overall Loan Grade (DBRS Morningstar) | Final Overall Loan Grade (DBRS Morningstar) | Initial Credit Grade (DBRS Morningstar) | Final Credit Grade (DBRS Morningstar) | Initial Property Valuation Grade (DBRS Morningstar) | Final Property Valuation Grade (DBRS Morningstar) | Initial Compliance Grade(DBRS Morningstar) | Final Compliance Grade(DBRS Morningstar) | Initial Overall Loan Grade (KBRA) | Final Overall Loan Grade (KBRA) | Initial Credit Grade (KBRA) | Final Credit Grade (KBRA) | Initial Property Valuation Grade (KBRA) | Final Property Valuation Grade (KBRA) | Initial Compliance Grade(KBRA) | Final Compliance Grade(KBRA) |
| XXXX | 304712893 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Name Discrepancy- The borrower’s name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of XXXX, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX to XXXX, is required to confirm ownership interest in the new mortgage. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712929 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712888 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712900 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712928 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) DSCR - Missing Entity Documentation- Missing required business documentation per guidelines. The certificate of Good Standing within 30 days is missing from the loan file as required by guidelines. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) (Clear) Contract - Missing- The file contained no evidence of a properly executed sales contract. The contract in the loan file is blank. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712907 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712890 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712922 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712894 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712897 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712896 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712410 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712408 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712905 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712415 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712899 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712892 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Assets - Source- The funds required to close were not properly sourced. The guidelines required verification of funds to close and 6 months reserves. The HUD-1 indicated the Borrower was required to bring $XXXX and 6-months reserves totaled $XXXX. The Borrower was required to verify assets totaling $XXXX. The HUD-1 and loan application indicated the required funds came from the refinance of another property; however, the documentation was not provided. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712879 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) HUD1 - Missing (All)- There is no evidence of a HUD-1 Settlement Statement provided in the loan file. As a result the following reviews could not be performed: TILA Accuracy, MDIA, Agency Points and Fees, QM Points and Fees, QM DTI Threshold, Federal Threshold, State Threshold, RESPA 2010 review, and final HUD-1 accuracy. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a) Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) Credit - Other- Due to HUD-1 missing from the loan file, unable to determine if sufficient assets were verified for funds to close, EMD and reserves. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712402 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712906 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712885 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Name Discrepancy- The borrower’s name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of XXXX, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX to XXXX is required to confirm ownership interest in the new mortgage. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712930 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712882 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712863 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712873 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712903 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712398 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712858 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712898 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712878 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712401 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712933 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712925 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712923 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712406 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712412 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712886 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712911 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712910 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712895 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712847 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712864 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712870 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712891 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712931 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712927 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) HUD1 - Missing (All)- There is no evidence of a HUD-1 Settlement Statement provided in the loan file. As a result the following reviews could not be performed: Federal Threshold and State Threshold. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 304712901 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712912 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Assets - Cash to Close- The file did not contain evidence the borrower had the proper amount of funds required to close. Total assets in the amount of $XXXX were required to be verified (cash to close $XXXX and reserves $XXXX). Assets in the amount of $0 were verified in the loan file. Therefore, there was a shortage of verified assets in the amount of $XXXX. Additional conditions may apply. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712908 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Credit Report - Other- The origination credit report in the loan file does not contain credit scores. Additional conditions may apply. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712861 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712932 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712852 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712827 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712843 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) HMDA - Government Monitoring- The Government Monitoring Section on the application Ethnicity and Race sections was not completed for the Co Borrower. Home Mortgage Disclosure Act (Regulation C) 12 CFR 1003.4(b) Equal Credit Opportunity Act (Regulation B) 12 CFR 1002.13 Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A |
| XXXX | 304712413 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712399 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712874 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712877 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712868 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712812 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712850 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712405 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The initial CDA provided did not support the original appraised value. Therefore, a Reconciliation Value Report was provided which supports the appraised value. Per rating agencies this is an EV2 grade. |
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| XXXX | 304712880 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712889 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712826 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712846 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712414 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712856 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712837 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712865 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712848 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712845 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712396 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712867 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712844 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712851 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712791 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712804 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304106506 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712831 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712883 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712768 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712855 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712854 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712727 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712388 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712387 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712757 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Flood Certificate - Missing- The flood certificate is missing. Response 1 (XX/XX/XXXX XX:XXAM) Flood Cert is always required. It is a core document. (Upheld) Response 2 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712389 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712849 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712765 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712823 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712776 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Inaccurate- The security instrument was not completed accurately. The borrower's name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of XXXX, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX to XXXX is required to confirm ownership interest in the new mortgage. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 304712813 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712385 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712390 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712391 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Inaccurate- The security instrument was not completed accurately. The following terms on the adjustable-rate rider were not accurate when compared to the terms of the Note: The less than rate of XXXX% referenced after the initial rate change on the Adjustable Rate Rider does not match the XXXX% less than rate after the initial change reflected on the Note. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 304712395 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712817 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712815 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712820 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Appraisal - Repairs- Per the Executive Approval, the borrower is to provide photos showing the damage around the window has been repaired. The file is missing the required documentation. Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712752 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712777 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712759 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712808 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712774 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712726 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712853 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712790 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712769 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712819 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712818 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712816 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712814 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Assets - Minimum Reserves- The loan file is a Cash Out Refinance, which contains a Final Closing Disclosure, #XXXX, showing a cash to close amount from borrower in the amount of $XXXX. Funds required for closing were $XXXX ($XXXX cash required to close + $XXXX reserves). The loan file did not contain any Assets to be verified. As a result, borrower is short reserves in the amount of $XXXX. Response 1 (XX/XX/XXXX XX:XXAM) According to the CD, the borrower brought $XXXX to closing. (Upheld) Response 2 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) (Clear) Appraisal - Repairs- Per the Executive Approval, the borrower is to provide photos showing hole in deck has been repaired. The file is missing the required documentation. Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712866 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712841 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712728 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712381 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712822 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712884 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712403 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712400 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712393 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) HUD1 - Missing (All)- There is no evidence of a HUD-1 Settlement Statement provided in the loan file. As a result the following reviews could not be performed: TILA Accuracy, MDIA, Agency Points and Fees, QM Points and Fees, QM DTI Threshold, Federal Threshold, State Threshold, RESPA 2010 review, and final HUD-1 accuracy. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a) Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) Credit - Other- Due to HUD-1 missing from the loan file, unable to determine if sufficient assets were verified for funds to close, EMD and reserves. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A |
| XXXX | 304712748 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712828 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712382 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712383 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712832 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712775 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712762 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712778 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712787 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Assets - Cash to Close- Assets were required in the amount of $XXXX ($XXXX funds to close + $XXXX reserves). The final application and loan approval indicate assets were verified in the amount of $XXXX in XXXX acct #XXXX. However, the file is missing documentation to support assets. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712824 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) HUD1 - Not Final- It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A |
| XXXX | 304712711 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712835 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712834 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712736 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712801 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712872 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712744 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712766 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712747 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712810 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) HUD1 - Not Final- It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A |
| XXXX | 304712859 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712909 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) HUD1 - Not Final- It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A |
| XXXX | 304712731 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712797 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712756 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712800 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Assets - Cash to Close- Assets were required in the amount of $XXXX ($XXXX cash to close + $XXXX in reserves). The final application and loan approval indicate assets were verified in the amount of $XXXXin a XXXX Systems 401k account. However, the file is missing documentation to support assets. Response 1 (XX/XX/XXXX XX:XXPM) 401K does not belong to the borrower. (Upheld) Response 2 (XX/XX/XXXX XX:XXPM) There are indirect cross affiliations between several companies; however, the borrower is the Sole Member of XXXX and XXXX is the Sole Member of XXXX. There is no direct connection between the borrower and the ability to use XXXX money for this transaction. In addition, if the 401K were a viable option, which it does not appear to be, withdrawal terms were not provided. (Upheld) Response 3 (XX/XX/XXXX XX:XXAM) Explanation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712751 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712799 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712811 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712407 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Signature Discrepancy- The borrower’s name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of XXXX, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX to XXXX is required to confirm ownership interest in the new mortgage. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 304712840 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712842 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712839 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712838 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712380 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712694 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712712 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712802 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712821 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712737 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712773 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712702 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712825 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712741 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712753 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712772 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712701 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712809 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712714 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712763 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712730 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712729 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712384 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712902 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Program Parameters - Other- The subject loan is missing signature page of the Guaranty Agreement. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712704 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712375 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712924 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712742 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Signature Discrepancy- The borrower’s name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of XXXX, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX to XXXX is required to confirm ownership interest in the new mortgage. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 304712695 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712758 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712764 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712378 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) DSCR - Missing required STR Documents- Subject loan transaction is a for a cash-out refinance of a STR property. The loan file is missing the AirDNA used for calculation of STR as well as the Determination of Gross Monthly Rents calculation. Additional conditions may apply. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712796 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) HUD1 - Not Final- It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
2 | 1 | 1 | 1 | 2 | 1 | 1 | 1 | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A | B | A | A | A | A | A | B | A |
| XXXX | 304712720 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712934 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712761 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712760 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712788 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712725 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712724 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712723 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712921 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Assets - Cash to Close- Assets were required in the amount of $XXXX ($XXXX funds to close + $XXXX reserves). The UW Approval reflects assets were verified in the amount of $XXXX in XXXX acct#XXXX, XXXX. However, the file is missing documentation to support (XXXX acct#XXXX). The loan file contains an asset statement from XXXX acct#XXXX, $XXXX, dated XX/XX/XXXX. Per guidelines asset documentation must be dated within 90 days of closing date, XX/XX/XXXX, unless otherwise stated. Additional conditions may apply. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712767 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712750 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) HUD1 - Not Final- It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712771 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712686 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712860 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712371 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712830 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Inaccurate- The security instrument was not completed accurately. The notary date is a future date of XX/XX/XXXX. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 304712688 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Credit Missing - One or More Reports Missing- The credit report provided is not completely legible, missing Experian and Equifax credit scores. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) (Clear) DSCR - Missing Entity Documentation- Per the guidelines, when a loan closes in an entity, the underwriter is required to obtain a certificate of good standing dated within 30 days of the closing date. The file contains the required documentation, however, the document is illegible. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712685 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712734 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712691 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Program Parameters - Other- The subject loan does not meet Program Parameters. The guidelines indicate that the use of gross monthly rent from STR required an executive approval. The underwriter determined the STR rent was $XXXX which was used to qualify the borrower; however, the loan file did not contain an executive approval. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712374 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712862 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Program Parameters - Other- Per the guidelines for loans utilizing STR, the underwriter shall determine rents used for qualifying and an Executive Approval is required approving qualifying rents. The file is missing the Executive Approval. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712887 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712690 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712749 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712716 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712719 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Assets - Cash to Close- Assets were required in the amount of $XXXX ($XXXX funds to close + $XXXX reserves). The UW Approval indicates assets of $XXXX coming from cash-out proceeds of another property (loan #XXXX). The file is missing documentation to support. Additional conditions may apply. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712364 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712618 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Flood Certificate - Missing- The loan file contains a flood certificate is incomplete/missing data. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712676 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712682 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712659 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712732 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712740 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712733 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Note - Incomplete- The following section(s) of the Note are incomplete: The Note and Note Addendums are not signed or the signatures are not visible or faint. Response 1 (XX/XX/XXXX XX:XXAM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712656 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712687 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712658 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712377 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712376 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Note - Incomplete- The following section(s) of the Note is incomplete: Page 4 of the Note is missing from the loan file. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) (Clear) Security Instrument - Incomplete- The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: Pages 2 and 12 are missing from the Security Instrument and page 2 is missing from the Condominium Rider. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 304712798 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712373 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Name Discrepancy- The borrower’s name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of XXXX, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX to XXXX is required to confirm ownership interest in the new mortgage. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 304712697 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Hazard Insurance - Missing/Insufficient- The loan file is missing the hazard insurance policy from California Fair Plan with sufficient coverage/replacement cost. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712662 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Program Parameters - Other- The subject loan does not meet Program Parameters. The guidelines and executive approval required the loan amount to be limited to 100% of the acquisition cost plus documented improvements when the borrower owns the subject property less than 6 months. The appraisal and public records indicate the borrower purchased the subject property on XX/XX/XXXX with a purchase price of $XXXX and no documentation was provided to verifying improvements. The loan amount was $XXXX. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712634 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712678 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712369 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712794 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Hazard Insurance - Missing/Insufficient- The loan file is missing the flood insurance policy with a minimum coverage of $XXXX. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712746 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712722 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712611 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712935 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Inaccurate- The security instrument was not completed accurately. The Notary date is XX/XX/XXXX a future date of the review date XX/XX/XXXX. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 304712622 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712372 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712648 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712629 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712623 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712379 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712620 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712661 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712904 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712668 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712710 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712679 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712666 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712633 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712806 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712918 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712916 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712914 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712913 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712919 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Note - Name Discrepancy- The borrower is an entity however the Note and Note Addendum was signed as Individual. Page one of mortgage only listed the entity and Title only listed borrower as entity. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) (Clear) Security Instrument - Incomplete- The riders have been signed by an individual. The borrower is the entity only, not an individual based on pg.1 of the Mortgage and Title Policy. New riders (1-4 Family and Condo ) executed only as the member of the entity is required. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 304712915 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Verification Documentation - VOE Self-Employed/Missing- Guidelines indicate underwriter to re-verify the entity's good standing status directly through the Secretary of State. The proof of good standing will expire simultaneously with the underwriting approval expiration, or within 30 days, whichever is greater. The loan file contains the business search during the beginning process, verified through **XXXX** SOS website, however, the re-verify of the entity’s good standing status was not obtained during the closing process. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712625 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712920 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712917 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712580 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Assets - Bank Statements- The bank and/or asset statements are incomplete. The loan file contains a VOD for XXXX #XXXX that does not legibly reflect the current available balance. Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
4 | 1 | 4 | 1 | 1 | 1 | 1 | 1 | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A |
| XXXX | 304712926 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712641 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Assets - Minimum Reserves- Assets were required in the amount of $XXXX ($XXXX funds to close + $XXXX reserves). The final application reflects assets were verified in XXXX acct XXXX for $XXXX and XXXX acc XXXX for $XXXX. The total assets verified was only $XXXX. Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712362 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712639 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712637 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712807 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 1 | 1 | 1 | 1 | 3 | 1 | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A |
| XXXX | 304712357 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712669 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712665 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712630 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Signature Discrepancy- The borrower’s name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of XXXX, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX to XXXX is required to confirm ownership interest in the new mortgage. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 304712660 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712713 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712339 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712795 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712643 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712655 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712626 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712363 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712356 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712355 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712354 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712621 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712358 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Signature Discrepancy- The borrower’s name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of XXXX, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX to XXXX is required to confirm ownership interest in the new mortgage. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) Assets - Bank Statements- VOD provided for XXXX (account #XXXX with a balance $XXXX and account #XXXX with a balance of $XXXX per the UW Approval) is not completely legible, missing balances and account numbers. Please provide a legible VOD. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712361 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712649 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712681 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712370 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712636 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712573 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712585 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712645 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Contract Addendum - Missing- The loan file is missing the contract addendum reflecting seller paid contributions of $XXXX. Response 1 (XX/XX/XXXX XX:XXPM) Explanation received is sufficient. (Void) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712615 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712644 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712409 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712652 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712664 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712386 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712581 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712619 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712675 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712343 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712588 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Missing Rider/Addendum- The following referenced Rider(s) / Legal Addendum(s) are missing: Title Insurance Rider Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 304712745 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Signature Discrepancy- The borrower’s name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of XXXX, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX to XXXX is required to confirm ownership interest in the new mortgage. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712551 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712693 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Signature Discrepancy- The borrower’s name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of XXXX, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX to XXXX is required to confirm ownership interest in the new mortgage. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 304712651 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712833 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712352 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Income - Other- The Loan Approval indicates there was an Executive Approval for STR estimated market rent of $XXXX. The Executive Approval and data documentation used for calculation of monthly gross rent were not reflected in the loan file. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712689 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) DSCR - Missing Entity Documentation- Per Guidelines, when a loan closes in an entity, the underwriter is required to obtain a certificate of good standing dated within 30 days of the closing date **XX/XX/XXXX**. The file contains the underwriter’s business search from **XXXX** Division Corporations; however, the document does not reflect date obtained. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712624 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712549 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Assets - Minimum Reserves- The loan file is a Cash Out Refinance and reserves were required in the amount of $XXXX. The UW Approval reflects assets wereverified in the amount of $XXXX in XXXX Community CU and $XXXX in XXXX. The approval did not reflect the checking acct#'s for both Asset accounts. However, the file is missing documentation to support these assets accounts. Additional conditions may apply. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712680 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712653 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712635 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712555 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712735 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712359 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712617 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Note - Incomplete- The following section(s) of the Note is incomplete: the Prepayment Note Addendum is not signed by the borrower. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 304712325 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Assets - Minimum Reserves- Reserveswere required in the amount of $XXXX. Per the UW Approval and the finalapplication, assets were coming from cash out proceeds of $XXXX and from XXXX acc# XXXX with a balance of $XXXX. The bank statement is missing fromthe loan file. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712542 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712792 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712613 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712569 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712647 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712627 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Appraisal - Other- The CDA provided is not completely legible, pages are missing pertinent information. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712416 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712466 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712337 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) DSCR - Missing Entity Documentation- Missing required business documentation per guidelines. The loan closed in the name of XXXX; however, the loan file did not contain the entity’s registered articles of organization and listed of members with ownership percentages as required. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712657 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712673 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712586 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712793 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712591 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712583 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712592 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Income - Other- The Executive Approval indicates AirDNA and UW calculation worksheet were used for approval of STR rents in the amount of $XXXX. The loan file is missing both the AirDNA and UW worksheet. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712715 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712836 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712786 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712785 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712784 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712782 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712781 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712780 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712779 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712570 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712350 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712576 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712640 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712631 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a second appraisal which supports the original appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712578 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712342 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712684 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712789 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712783 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712575 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712803 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712544 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712532 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712755 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712700 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712692 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712553 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712368 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712327 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) HUD1 - Missing (All)- There is no evidence of a HUD-1 Settlement Statement provided in the loan file. As a result the following reviews could not be performed: TILA Accuracy, MDIA, Agency Points and Fees, QM Points and Fees, QM DTI Threshold, Federal Threshold, State Threshold, RESPA 2010 review, and final HUD-1 accuracy. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a) Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) Credit - Other- Due to HUD-1 missing from the loan file, unable to determine if sufficient assets were verified for funds to close, EMD and reserves. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A |
| XXXX | 304712871 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was not supported within 10% of the original appraisal amount. A CDA was provided which did not support the appraised value. A reconciliation report was provided of the appraisal and CDA which did not support the appraised value. Therefore, per the lender's guidelines, the lower value from the reconciliation has been used for the lending value. Per the rating agencies this is graded as an EV2. |
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| XXXX | 304712404 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Appraisal - Other- The reconciliation report used to determine lending value is missing from the loan file. Response 1 (XX/XX/XXXX XX:XXPM) Only STR rent determination was received. (Upheld) Response 2 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) (Clear) Program Parameters - Other- The Executive Approval indicates AirDNA and U/W calculation worksheet were used for approval of STR rents in the amount of $XXXX. The loan file is missing both the AirDNA and U/W calculation worksheet. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 2 | 3 | 1 | 1 | 1 | 2 | 2 | C | B | C | A | B | B | A | A | C | B | C | A | B | B | A | A | C | B | C | A | B | B | A | A | C | B | C | A | B | B | A | A | C | B | C | A | B | B | A | A | C | B | C | A | B | B | A | A |
| XXXX | 304712563 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712663 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712560 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712331 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Appraisal - Other- The CDA provided is not completely legible, pages are missing pertinent information. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712718 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712717 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712561 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Program Parameters - Other- Subject loan was purchased XX/XX/XXXX. A 6-month lookback was required to determine maximum loan amount. The Executive Approval indicates maximum loan amount of $XXXX was determined by reviewing current condition in the appraisal along with borrower receipts, construction draws, and scope of work provided. The file is missing borrower receipts, construction draws, and scope of work. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712533 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712334 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712518 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) HUD1 - Not Final- It could not be determined that the HUD-1 provided in the loan file was the FINAL binding HUD-1. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712574 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712587 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712739 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712609 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Program Parameters - Other- The Executive Approval indicates AirDNA and U/W calculation worksheet were used for approval of STR rents in the amount of $XXXX. The loan file is missing both the AirDNA and U/W calculation worksheet. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712638 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712392 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712654 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Note - Incomplete- The following section(s) of the Note is incomplete: the Prepayment Addendum is not signed by the borrower. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) Response 2 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 304712566 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712612 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712477 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712696 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712349 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712470 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712336 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712876 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712875 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712857 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712582 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) DSCR - Missing required STR Documents- The Executive Approval indicates AirDNA and U/W calculation worksheet were used for approval of STR Rents in the amount of $4,840. The loan file is missing both the AirDNA and U/W calculation worksheet. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) (Clear) Appraisal - Other- The UW Approval indicates market rents per appraisal $XXXX. The comparable rent schedule is missing from the loan file. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712347 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712805 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712559 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712496 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712328 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712394 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712316 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712315 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712538 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712335 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712484 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712703 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712537 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) HUD1 - Missing (All)- There is no evidence of a HUD-1 Settlement Statement provided in the loan file. As a result the following reviews could not be performed: Federal Threshold and State Threshold. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) Credit Report - Other- Subject transaction is for a purchase. The loan file is missing the Final HUD-1/Final CD, therefore, unable to determine if sufficient assets were verified for funds to close and reserves. Additional conditions may apply. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712667 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712494 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Incomplete- The following section(s) of the Security Instrument (Mortgage/Deed of Trust) is incomplete: the PUD Rider has a manual correction to the PUD name and it not initial by the borrower. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to clear the finding. (Resolved) |
(Clear) Income - Other- The Executive Approval indicates AirDNA and U/W Calculation Worksheet were used for approval of STR Rents in the amount of $9,460. The loan file is missing both the AirDNA and U/W Calculation Worksheet. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712340 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712642 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712571 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712548 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Signature Discrepancy- The borrower’s name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of XXXX, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX to XXXX is required to confirm ownership interest in the new mortgage. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712608 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712650 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712577 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712593 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712829 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712605 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712604 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712525 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712360 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712564 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Appraisal - Other- The CDA provided is not completely legible, pages are missing pertinent information. Response 1 (XX/XX/XXXX XX:XXPM) Document received in rebuttal is still not legible. Please send again. Thanks. (Upheld) Response 2 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712603 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712397 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712511 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Program Parameters - Loan Amount- The subject transaction is a cash-out refinance of a property the borrower has owned for less than 6 months. Per the guidelines, a 6-month lookback is required, and the loan amount will be limited to 100% of the acquisition costs plus improvements. The maximum loan amount of $XXXX was set by Executive Approval. However, the loan closed with a loan amount of $XXXX. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received supports a loan amount of $XXXX. (Upheld) Response 2 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712721 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712550 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712530 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712344 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712534 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712345 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Appraisal - Other- The CDA provided is not completely legible, pages are missing pertinent information. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712557 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Program Parameters - Other- The Executive Approval indicates AirDNA and U/W calculation worksheet were used for approval of STR rents in the amount of $XXXX. The loan file is missing both the AirDNA and U/W calculation worksheet. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712504 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712480 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Open) Appraisal - Other- The subject property is in a non-conforming zone. The lender requested the appraiser to comment if the subject can be rebuilt if destroyed. The appraiser stated he contacted the zoning department and spoke with a clerk who stated he was not authorized to provide an official answer to this question. The appraiser referred the issue back to the lender for further investigation. The file does not contain documentation of lender obtaining an answer from the zoning department. Response 1 (XX/XX/XXXX XX:XXPM) Based upon XXXX's response, please indicate how to proceed. (Upheld) Response 2 (XX/XX/XXXX XX:XXPM) Waiver granted by Investor. (Waived) (Clear) DSCR - Missing Entity Documentation- Per the guidelines, when a loan closes in an entity, the underwriter is required to obtain a certificate of good standing dated within 30 days of the closing date XX/XX/XXXX. The file contains the underwriter’s business search from Florida Division of Corporations; however, the document does not reflect the date obtained. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712498 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712513 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712589 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712338 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Income - Missing or Incomplete Lease Agreement- The Lease Agreement provided is not completely legible, missing pertinent information. Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved) (Clear) Assets - Minimum Reserves- Reserves were required in the amount of $XXXX. Per the UW Approval and the final application, assets were verified in XXXX acct XXXX for $XXXX. The file is missing the bank statement or VOD. Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved) (Clear) DSCR - Missing Entity Documentation- Per the guidelines when a loan closes in an entity, the underwriter is required to obtain a certificate of good standing good for 30 days (not expiring prior to the closing date). The file contains the processor's certificate of good standing dated XX/XX/XXXX, however, it is over 30 days from the Note date XX/XX/XXXX. Please provide the underwriter's certificate of good standing dated within 30 days of the Note date. Response 1 (XX/XX/XXXX XX:XXPM) The requirement to close no later than XXXX would assume a good standing certification dated XXXX. The certification in file is dated XXXX. (Upheld) Response 2 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved) (Clear) Program Parameters - Other- Subject loan was purchased XX/XX/XXXX. Per the guidelines, a 6-month lookback was required to determine maximum loan amount. The Executive Approval indicates the maximum loan amount of $XXXX was determined by reviewing current condition in the appraisal along with construction draws and scope of work provided. The file is missing documentation of construction draws and scope of work. Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712683 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Missing Signature- The Security Instrument was not fully executed by all required parties. The borrowers signature was missing. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712520 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712330 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712543 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712308 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712554 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Appraisal - Other- The CDA provided is not completely legible, pages are missing pertinent information. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712508 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712459 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712322 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712547 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712510 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712528 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712526 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712527 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Missing Rider/Addendum- The following referenced Rider(s) / Legal Addendum(s) are missing: Title Insurance Rider Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 304712453 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712333 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Hazard Insurance - Missing/Insufficient- The loan file is missing the hazard insurance policy from Erie Insurance verifying sufficient coverage/replacement cost for subject property. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712708 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712706 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Name Discrepancy- The borrower’s name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of XXXX, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX to XXXX, is required to confirm ownership interest in the new mortgage. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 304712705 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Assets - Minimum Reserves- Reserves were required in the amount of $XXXX. Per the UW Approval, cash-out of $XXXX was used to verify reserve requirements; however, the CD revealed the borrower only received cash-out of $XXXX. Funds of $XXXX were paid to XXXX for buyout of his membership in subject LLC. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712709 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Name Discrepancy- The borrower’s name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of XXXX, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX to XXXX, is required to confirm ownership interest in the new mortgage. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) Assets - Minimum Reserves- Reserves were required in the amount of $XXXX. Per the UW Approval, cash-out of $XXXX was used to verify reserve requirements; however, the CD revealed the borrower only received cash-out of $XXXX. Funds of $XXXX were paid to XXXX for buyout of his membership in subject LLC. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A |
| XXXX | 304712707 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Name Discrepancy- The borrower’s name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of XXXX, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX to XXXX, is required to confirm ownership interest in the new mortgage. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) Assets - Minimum Reserves- Reserves were required in the amount of $XXXX. Per the UW Approval, cash-out of $XXXX was used to verify reserve requirements; however, the CD revealed the borrower only received cash-out of $XXXX. Funds of $XXXX were paid to XXXX for buyout of his membership in subject LLC. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A |
| XXXX | 304712521 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712475 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712367 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712476 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712495 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712351 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712348 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Assets - Cash to Close- Funds were required in the amount of $XXXX ($XXXX funds to close + $XXXX reserves). Per the loan approval, assets were coming from XXXX refinances of other properties: loan #XXXX proceeds $XXXX, loan #XXXX proceeds $XXXX, loan #XXXX proceeds $XXXX, loan #XXXX proceeds $XXXX. The file does not contain documentation to support assets. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712517 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712486 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) DSCR - Missing Entity Documentation- Missing required business documentation per guidelines. The secondary Certificate of Good Standing, as provided by the originating underwriter is illegible for this transaction as it does not contain a date. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712442 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Assets - Cash to Close- The file did not contain evidence the borrower had the proper amount of funds required to close. Funds were required in the amount of $XXXX ($XXXX funds to close + $XXXX reserves). Per the loan approval, assets were coming a XXXX dated XX/XX/XXXX with a usable balance of $XXXX. The file does not contain documentation to support assets used. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) (Clear) DSCR - Program Parameters - Other- Guideline requirement has not been met. The Executive Approval for the Short Term Rental reflects an AirDNA being used to determine the potential Short Term Rental income, the loan file does not contain the AirDNA document. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712489 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712458 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712457 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712502 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712469 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712632 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712341 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712501 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712507 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712562 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712512 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712471 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) DSCR - Program Parameters - Other- Per the Executive Approval for STR Rents, an AirDNA was utilized to determine monthly short term rents, the loan file did not contain the AirDNA or the Underwriters Short Term Rent Calculation sheet. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) (Clear) DSCR - Missing Entity Documentation- Missing required business documentation per guidelines. The secondary Certificate of Good Standing obtained by the origination Underwriter is missing from the loan file. Response 1 (XX/XX/XXXX XX:XXPM) Explanation received is sufficient. (Void) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712472 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712462 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712541 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712540 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712539 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712579 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712460 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712738 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Name Discrepancy- The borrower’s name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of XXXX, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX to XXXX is required to confirm ownership interest in the new mortgage. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 304712514 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712500 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712558 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712304 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712440 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712546 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712431 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712524 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712324 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Note - Incomplete- The following section(s) of the Note is incomplete: the Note does not contain the applicable interest only period and payment. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) (Clear) Security Instrument - Inaccurate- The security instrument was not completed accurately. The Adjustable Rate Rider does not contain the applicable interest only period and payment. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) Assets - Cash to Close- Assets were required in the amount of $XXXX ($XXXX funds to close + $XXXX EMD + $XXXX reserves). The final approval reflects assets were verified in XXXX acct #XXXX for $XXXX + payment of EMD for $XXXX. EMD payment verified. However, the loan file did not contain documentation for the Bank of America assets. Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712452 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Name Discrepancy- The borrower’s name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of XXXX, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX to XXXX is required to confirm ownership interest in the new mortgage. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 304712448 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712674 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712463 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA was provided which did not support appraised value. A reconciliation report was provided of the appraisal & CDA that supported the appraised value. As the Recon was a 2nd valuation product, this is graded as an EV2. |
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| XXXX | 304712610 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712503 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712306 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712869 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712478 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712567 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Name Discrepancy- The borrower’s name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of XXXX, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX to XXXX is required to confirm ownership interest in the new mortgage. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 304712479 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) DSCR - Program Parameters - Other- The Executive Approval required the borrower to provide 3 full months’ utility and bank statements for validation subject property is not owner occupied. The file is missing the required documentation. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712411 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712329 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712545 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712556 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712568 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712468 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712320 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712437 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712436 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712310 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712353 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712467 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712321 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712606 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712535 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712607 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712482 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712465 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712464 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712346 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712318 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712481 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712485 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712536 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712754 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712493 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712454 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712455 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712317 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712474 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Name Discrepancy- The borrower name on the Security Instrument is inconsistent with the Title Commitment. The Vested Interest on the Security Instrument cannot be verified as accurate due to current vesting is XXXX and XXXX, and the new loan is XXXX, it will require an executed Deed showing the transfer in title. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 304712677 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Name Discrepancy- The borrower name on the Security Instrument is inconsistent with the Title Commitment. The Vested Interest on the Security Instrument cannot be verified as accurate due to current vesting is XXXX and XXXX, and the new loan is XXXX, it will require an executed Deed showing the transfer in title. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A |
| XXXX | 304712483 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712565 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) HUD1 - Missing (All)- There is no evidence of a Closing disclosure/HUD-1 Settlement Statement provided in the loan file. As a result the following reviews could not be performed: TILA Accuracy, MDIA, Agency Points and Fees, QM Points and Fees, QM DTI Threshold, Federal Threshold, State Threshold, RESPA 2010 review, and final HUD-1 accuracy. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a). Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is not sufficient to cure the finding. The CD issued XX/XX/XXXX i snot for the subject transaction. (Upheld) Response 2 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) (Clear) Note - Signature Discrepancy- The borrower is an entity however the Note was signed as an Individual. Page one of mortgage only listed the entity and Title only listed borrower as entity. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) (Clear) Security Instrument - Inaccurate- The security instrument was not completed accurately. The borrower is an entity but the mortgage and riders were signed in an individual capacity. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) Credit - Other- Due to the HUD-1 missing from the loan file, unable to determine if sufficient assets were verified for funds to close and reserves. Response 2 (XX/XX/XXXX XX:XXPM) Upon further review, the CD provided is not for the subject transaction. (Upheld) Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) Response 3 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A |
| XXXX | 304712522 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712365 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712505 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712506 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Appraisal - Repairs- Per the Executive Approval, the borrower is to provide photos showing all repairs have been completed to the left and right rear of subject property where damages were caused by XXXX. The file is missing the required documentation. Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712323 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712309 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) HUD1 - Not Final- It could not be determined that the Settlement statement provided in the loan file was the FINAL binding Settlement statement, as it was not signed, stamped or certified. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8, Appendix A. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) Credit - Other- Due to Final HUD-1 missing from the loan file, unable to determine if sufficient assets were verified for funds to close, EMD and reserves. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) (Clear) Program Parameters - Other- Per the guidelines, the underwriter is to re-verify the entity’s good standing status directly through the Secretary of State. The file is missing the required documentation. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 2 | 1 | 1 | 1 | C | A | C | A | A | A | B | A | C | A | C | A | A | A | B | A | C | A | C | A | A | A | B | A | C | A | C | A | A | A | B | A | C | A | C | A | A | A | B | A | C | A | C | A | A | A | B | A |
| XXXX | 304712312 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712614 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712881 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712433 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712314 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712523 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712432 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712319 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712311 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712672 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712572 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| XXXX | 304712519 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712491 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712492 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Open) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A CDA was provided which did not support appraised value. A reconciliation report was provided of the appraisal & CDA that supported the appraised value. As the Recon was a 2nd valuation product, this is graded as an EV2. |
2 | 2 | 1 | 1 | 1 | 1 | 2 | 2 | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A | B | B | A | A |
| XXXX | 304712516 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712424 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712303 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712305 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Note - Missing- The Note is missing. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) (Clear) Security Instrument - Missing- The Security Instrument (Mortgage/Deed of Trust) is missing and all riders. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) (Clear) HUD1 - Missing (All)- There is no evidence of a HUD-1 Settlement Statement/Closing disclosure provided in the loan file. As a result the following reviews could not be performed: TILA Accuracy, MDIA, Agency Points and Fees, QM Points and Fees, QM DTI Threshold, Federal Threshold, State Threshold, RESPA 2010 review, and final HUD-1 accuracy. Real Estate Settlement Procedures Act (Regulation X) 12 CFR 1024.8(a). Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) (Clear) Compliance Finding - Missing Business Purpose Documentation- There are additional Compliance Findings. Missing the following Business purpose documentation: The occupancy affidavit and the Business purpose affidavit were missing from the loan file. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) DSCR - Missing HUD- Due to HUD-1 missing from the loan file, unable to determine if sufficient assets were verified for funds to close and reserves. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) (Clear) Program Parameters - Other- The loan file is missing the Guaranty Agreement executed by all members of the entity. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | C | A |
| XXXX | 304712488 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712509 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712529 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712438 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712332 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712515 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712446 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712326 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712473 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712430 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712487 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712447 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Program Parameters - Loan Amount- Subject property was purchased XX/XX/XXXX. A 6-month lookback was required to determine maximum loan amount. The Executive Approval indicates maximum loan amount approved at $XXXX ($XXXX acquisition costs + $XXXX improvements). Subject loan amount is $XXXX. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712444 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) DSCR - Program Parameters - Other- Per the guidelines for STR calculation, the underwriter will use available third-party data to establish the gross monthly rent, and the established rent will be subject to Executive Approval. The file is missing the Executive Approval, underwriter's calculation worksheet and documentation used for determining rents (AirDNA, rent rolls, etc.). Response 1 (XX/XX/XXXX XX:XXPM) Still missing executive approval. (Upheld) Response 2 (XX/XX/XXXX XX:XXPM) Executive approval provided as required. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712366 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712671 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712670 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712770 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Assets - Cash to Close- Assets were required in the amount of $XXXX ($XXXX funds to close + $XXXX reserves). Per the UW Approval, assets were coming from a cash out refinance loan #XXXX for $XXXX. The file is missing the HUD from the refinance. Additional conditions may apply. Response 1 (XX/XX/XXXX XX:XXPM) Proceeds were only $XXXX. (Upheld) Response 2 (XX/XX/XXXX XX:XXPM) HUD from other refinance reflects proceeds transferred to subject loan. Cash to close and reserves met. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712427 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712552 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712456 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712628 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712443 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712451 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712646 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712297 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712435 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712439 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Appraisal - Other- The CDA provided is not completely legible, pages are missing pertinent information. Response 1 (XX/XX/XXXX XX:XXPM) Documentation received is sufficient. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712313 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712421 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712461 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712600 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712599 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712596 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712499 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712743 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712497 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712531 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712302 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712584 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712445 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712601 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) DSCR - Missing Entity Documentation- Per the guidelines, when a loan closes in an entity, the underwriter is required to obtain a certificate of good standing dated within 30 days of the closing date (XX/XX/XXXX). The file is missing the required documentation. Response 1 (XX/XX/XXXX XX:XXPM) Doc provided as required. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A |
| XXXX | 304712698 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712602 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712598 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712597 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712595 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712590 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| XXXX | 304712594 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Verification Documentation - VOE Self-Employed/Missing- Guidelines indicate underwriter to re-verify the entity's good standing status directly through the Secretary of State within 30 days of closing (XX/XX/XXXX). The loan file contains a good standing (XX/XX/XXXX) completed by the loan processor, however, the underwriter's verification of good standing is missing from the loan file. Response 1 (XX/XX/XXXX XX:XXPM) Doc provided as required. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712426 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712699 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. |
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| XXXX | 304712420 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712307 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA, dated XX/XX/XXXX, which supports the appraised value. |
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| XXXX | 304712429 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Name Discrepancy- The borrower’s name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of XXXX, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX to XXXX is required to confirm ownership interest in the new mortgage. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712434 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712490 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712423 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712422 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712425 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712450 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712419 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712418 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) Security Instrument - Name Discrepancy- The borrower’s name on the Security Instrument is inconsistent with the Title. Title reflects that current vested interest is in the name of XXXX, however the mortgage lists XXXX. A deed transferring ownership interest from XXXX to XXXX is required to confirm ownership interest in the new mortgage. Response 1 (XX/XX/XXXX XX:XXPM) The documentation provided is sufficient to cure the finding. (Resolved) |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712298 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712441 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712300 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712299 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712301 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) DSCR - Missing Entity Documentation- Per the guidelines, when a loan closes in an entity, the underwriter is required to obtain a certificate of good standing dated within 30 days of the closing date (XX/XX/XXXX). The file is missing the required documentation. Response 1 (XX/XX/XXXX XX:XXPM) Doc provided as required. (Resolved) |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712449 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712616 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712428 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304355195 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304106654 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304106653 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report. |
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| XXXX | 304106652 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA which supports the opinion of value in the origination appraisal report. |
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| XXXX | 304712936 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report. |
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| XXXX | 304106638 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The file contains a CDA which supports the opinion of value in the origination report. |
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| XXXX | 304712417 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304496298 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) No Credit Findings- The loan meets all applicable credit guidelines. |
(Clear) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. The loan file contains a CDA dated XX/XX/XXXX which supports the appraised value. |
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| XXXX | 304712937 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | (Clear) No Compliance Findings- The loan is in compliance with all applicable laws and regulations. |
(Clear) Appraisal - Repairs- Per the Executive Approval, an updated appraisal was requested to include Unit #2 bathroom photos. The loan file is missing the bathroom photos of Unit #2. Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved) (Clear) Credit Report - Other- The loan file contains a credit report that is missing credit scores from XXXX, XXXX, and XXXX. Response 1 (XX/XX/XXXX XX:XXAM) Documentation received is sufficient. (Resolved) |
(Open) Appraisal - Value is supported within 10% of original appraisal amount- The appraised value was supported within 10% and Acknowledged all applicable appraisal guidelines were satisfied. The initial CDA provided did not support original appraised value. Therefore, a Reconciliation Value Report was provided of the appraisal and CDA that supports the original appraised value. Due to more than one valuation product, per rating agencies this is rated as an EV2 grade. |
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