j.p. morgan acceptance corporation ii ABS-15G
Exhibit 99.3
| Customer Loan ID | Loan Exception ID | Exception ID | Exception Date | Exception Type | Exception Category | Exception Subcategory | 15E Category | Exception | Exception Detail | Exception Information | Compensating Factors | Compensating Factor Information | Applying Party | Follow-up Comments | Cleared Date | Cured Date | Waived Date | Exception Level Grade | DBRS Initial Exception Rating | DBRS Final Exception Rating | Fitch Initial Exception Rating | Fitch Final Exception Rating | Kroll Initial Exception Rating | Kroll Final Exception Rating | S&P Initial Exception Rating | S&P Final Exception Rating | Note Date | Property State | Occupancy | Purpose | Exception Remediation | Overall Initial Loan Grade |
Overall Final Loan Grade |
Credit Initial Loan Grade |
Credit Final Loan Grade |
Compliance Initial Loan Grade |
Compliance Final Loan Grade |
Property Initial Loan Grade |
Property Final Loan Grade |
Originator QM ATR Status | TPR QM ATR Status | Is Curable |
| 304255845 | 30417118 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Texas Cash Outs are ineligible per client purchase criteria | The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
18.02570% DTI | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
04/25/2024 | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304255845 | 30417122 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304255845 | 30417123 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (Other Debt) | Texas Constitution Section 50(a)(6): TX 50(a)(6) prohibits other debt secured by the homestead unless the purpose of additional debt is one described under TX 50(a)(1)-(5) or (8). Unable to determine purpose of additional debt secured by the homestead. | xxxx |
04/26/2024 | 1 | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304315214 | 30501088 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Texas Home Equity Cash Out are not eligible per client purchase criteria | The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
38.50901% DTI | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
05/09/2024 | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304315214 | 30501123 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | B | B | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304315214 | 30501129 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
05/10/2024 | 1 | B | A | C | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | B | B | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304315214 | 30532882 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | TX | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304331425 | 30806097 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
07/09/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304331425 | 30806430 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | GA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304331425 | 30806453 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure APR Inaccurate – Regular Transaction Timing Without Waiver | TILA-RESPA Integrated Disclosure - Loan Calculations - APR disclosed on final CD xx/xx/xxxx is inaccurate (off by more than 0.125%) compared to actual APR at consummation. Closing Disclosure not provided to Borrower at least three (3) business days prior to closing. | xxxx | xxxx |
06/26/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | TRID timing exception, no remediation available. | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304303325 | 30670758 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | Texas Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. | xxxx |
06/07/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304303325 | 30670759 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304303325 | 30670760 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing. | xxxx |
08/28/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304303325 | 30670767 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
06/07/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304303325 | 30672421 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
07/19/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304303325 | 30672422 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
07/03/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304303325 | 30715863 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | Unable to test fair market acknowledgment due to missing information. | xxxx | xxxx |
07/03/2024 | 1 | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||||
| 304303325 | 30715864 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Signed by the Lender) | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not properly executed by the Lender. | xxxx |
07/03/2024 | 1 | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents, (AFMV signed by the lender), and obtain an executed copy; OR (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||||
| 304303325 | 31564916 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx |
09/19/2024 | 1 | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304357166 | 31040000 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
10/08/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304337483 | 31072812 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
08/19/2024 | 1 | B | A | C | A | B | A | B | A | OR | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304337483 | 31072813 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
07/27/2024 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304337483 | 31220193 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
09/26/2024 | 2 | B | B | B | B | OR | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||||||
| 304337483 | 31220194 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
09/26/2024 | 2 | B | B | B | B | OR | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||||||
| 304337483 | 31220195 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Total Of Payments | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated xx/xx/xxxx). The disclosed Total of Payments in the amount of $64,595.97 is under disclosed by $169.98 compared to the calculated total of payments of $64,765.95 which exceeds the $35.00 threshold. | xxxx | xxxx |
09/26/2024 | 2 | B | B | B | B | OR | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||||||
| 304337483 | 31421543 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | OR | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304356297 | 31123496 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
Borrower has been in the same industry for 6 years. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
10/29/2024 | 2 | C | B | C | B | C | B | C | B | WA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304356297 | 31123514 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |
09/10/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304336506 | 31173394 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
10/07/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304356135 | 31208956 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | xxxx | xxxx |
09/20/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304356252 | 31211019 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Unable to test RTC expiration date due to missing information. | xxxx | xxxx |
10/02/2024 | 2 | C | B | C | B | C | B | C | B | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | B | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304356252 | 31211138 | Compliance | Missing Document | General | Missing Document | Incomplete Document: Right to Cancel (RTC) is incomplete | xxxx | xxxx |
10/03/2024 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304356252 | 31211149 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | SC | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304359167 | 31223179 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing paystubs. | xxxx |
09/23/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304359167 | 31223199 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
09/15/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304359815 | 31256233 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
08/23/2024 | 1 | B | A | C | A | B | A | B | A | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304359815 | 31357019 | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. | - | xxxx | xxxx |
09/25/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304359815 | 31472494 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304359175 | 31255790 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
09/04/2024 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304359175 | 31355078 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
09/04/2024 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304359175 | 31355116 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Flood insurance coverage amount is insufficient. | xxxx | Borrower has worked in the same position for more than 3 years. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. |
Borrower has been with current employer for 5 years. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
10/08/2024 | 2 | C | B | C | B | C | B | C | B | SC | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304367976 | 31346027 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
09/23/2024 | 1 | B | A | C | A | B | A | B | A | IN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304367976 | 31708236 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | IN | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304375826 | 31395184 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | xxxx | xxxx |
10/01/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304375826 | 31395192 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
09/06/2024 | 1 | B | A | C | A | B | A | B | A | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304375826 | 31599129 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | MO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304379483 | 31436806 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | 2 | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304368743 | 31450572 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
09/24/2024 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304368582 | 31450796 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | SC | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304368582 | 31450798 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
09/09/2024 | 1 | B | A | C | A | B | A | B | A | SC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304368582 | 31610477 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | SC | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304367978 | 31464120 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | SC | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304367978 | 31464141 | Compliance | Compliance | Miscellaneous Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | (Doc Error) RTC Error: Right to Cancel expiration date is blank. | xxxx | xxxx |
09/24/2024 | 2 | C | B | C | B | C | B | C | B | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | B | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304367978 | 31464185 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Unable to test RTC expiration date due to missing information. | xxxx | xxxx |
10/03/2024 | 2 | C | B | C | B | C | B | C | B | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | B | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304378619 | 31465652 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx |
09/23/2024 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Non QM | No | ||||||||||||
| 304378619 | 31465665 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx | xxxx |
09/23/2024 | 1 | B | A | C | A | B | A | B | A | WI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Safe Harbor QM (APOR) | Non QM | Yes | ||||||||||
| 304378619 | 31552519 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | xxxx | xxxx |
09/18/2024 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Non QM | No | ||||||||||||
| 304378619 | 31552528 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
09/18/2024 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Non QM | No | |||||||||||
| 304378619 | 31708134 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx | 2 | A | B | B | A | WI | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Non QM | No | |||||||||||||||||
| 304384706 | 31498610 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
09/04/2024 | 1 | B | A | C | A | B | A | B | A | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304384706 | 31581634 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | VA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304384833 | 31502742 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | 2 | B | B | B | B | B | B | B | B | TN | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304365451 | 31577005 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
09/04/2024 | 2 | B | B | B | B | B | B | B | B | IN | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304379709 | 31504132 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | xxxx |
09/05/2024 | 1 | A | A | A | A | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304379709 | 31504136 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxx |
09/05/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304376281 | 31514541 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
09/17/2024 | 1 | C | A | C | A | C | A | C | A | NC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304369675 | 31507143 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxx |
10/07/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304369675 | 31507562 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304369675 | 31507563 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304380789 | 31554697 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | xxxx |
09/06/2024 | 1 | A | A | A | A | A | A | A | A | CO | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | N/A | No | |||||||||||||
| 304380789 | 31554777 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxx |
09/06/2024 | 1 | C | A | C | A | C | A | C | A | CO | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | N/A | No | |||||||||||||
| 304386553 | 31561089 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
09/06/2024 | 1 | B | A | C | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304386553 | 31606203 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | CA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304381637 | 31590958 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | xxxx | xxxx |
09/20/2024 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304381637 | 31591040 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Citizenship Source Documentation was not provided | - | xxxx |
09/20/2024 | 1 | B | A | B | A | B | A | B | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304378898 | 31637469 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
09/17/2024 | 1 | B | A | C | A | B | A | B | A | NM | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304378898 | 31637552 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | NM | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304378898 | 31637645 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
09/25/2024 | 1 | C | A | C | A | C | A | C | A | NM | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304378898 | 31669730 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | NM | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304373266 | 31646489 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
10/23/2024 | 2 | C | B | C | B | C | B | C | B | NC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304373266 | 31646490 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx | xxxx |
10/23/2024 | 2 | C | B | C | B | C | B | C | B | NC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304373266 | 31970720 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
10/25/2024 | 2 | B | B | B | B | NC | Primary | Refinance - Cash-out - Other | C | B | A | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304381883 | 31654221 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx | xxxx |
09/20/2024 | 1 | B | A | C | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | Yes | ||||||||||
| 304381883 | 31654222 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx | xxxx |
09/20/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | No | |||||||||||
| 304381883 | 31700868 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx | 2 | A | B | B | A | AZ | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | No | |||||||||||||||||
| 304396426 | 31673578 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |
2 | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304396426 | 31675446 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 47.88977% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | xxxx |
09/18/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304396426 | 31675460 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
09/18/2024 | 1 | B | A | C | A | B | A | B | A | WA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304396426 | 31675518 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
09/18/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304396426 | 31675562 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
09/18/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304382056 | 31680071 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
10/10/2024 | 1 | B | A | C | A | B | A | B | A | OR | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304382056 | 31680072 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
10/01/2024 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304382056 | 31878090 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | OR | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304390614 | 31684340 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | xxxx | xxxx |
09/25/2024 | 1 | C | A | C | A | C | A | C | A | MA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304390789 | 31680865 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304388643 | 31683112 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
09/23/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304382181 | 31693343 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | Hazard Insurance Policy Effective Date ___; Disbursement Date: ___; Note Date: ___; Transaction Date: ___ | xxxx | xxxx |
09/24/2024 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304382181 | 31693446 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing evidence of income for the co-borrower for 2022 and 2023. | xxxx |
10/15/2024 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304365659 | 31719009 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | xxxx | xxxx |
09/27/2024 | 1 | D | A | D | A | D | A | D | A | MA | Primary | Purchase | D | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304365659 | 31720714 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: AUS not provided | xxxx | xxxx |
09/27/2024 | 1 | C | A | C | A | C | A | C | A | MA | Primary | Purchase | D | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304365659 | 31720741 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | xxxx | xxxx |
10/02/2024 | 1 | C | A | C | A | C | A | C | A | MA | Primary | Purchase | D | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304385082 | 31718701 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | 2 | B | B | B | B | B | B | B | B | CO | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | No | ||||||||||||||
| 304385082 | 31718703 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx | xxxx |
09/27/2024 | 1 | B | A | C | A | B | A | B | A | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | Yes | ||||||||||
| 304385082 | 31718704 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx |
09/27/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | No | ||||||||||||
| 304385082 | 31766734 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx | 2 | A | B | B | A | CO | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | No | |||||||||||||||||
| 304383207 | 31734575 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
11/19/2024 | 2 | C | B | C | B | C | B | C | B | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304388656 | 31737997 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
10/04/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304384831 | 31738824 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | xxxx | xxxx |
10/01/2024 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304400583 | 31966242 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
10/29/2024 | 2 | C | B | C | B | C | B | C | B | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304400583 | 31966291 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |
10/31/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304400583 | 31966292 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
10/31/2024 | 1 | B | A | B | A | B | A | B | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304400583 | 31966293 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |
10/31/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304400583 | 31966294 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx | xxxx |
11/01/2024 | 1 | B | A | C | A | B | A | B | A | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304400583 | 31966295 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx |
10/31/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304400583 | 31968565 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | xxxx | xxxx |
10/31/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304400343 | 31886809 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has worked in the same position for more than 3 years. The refinance has decreased the borrower's monthly debt payments by 20% or more. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
10/15/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304400114 | 31779497 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
10/08/2024 | 2 | C | B | C | B | C | B | C | B | VA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304400242 | 31791100 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
10/09/2024 | 2 | C | B | C | B | C | B | C | B | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304400190 | 31802061 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
10/09/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304400211 | 31779343 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
10/31/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304400211 | 31779401 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
11/01/2024 | 1 | B | A | C | A | B | A | B | A | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304400211 | 31779402 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 50.09385% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | xxxx |
10/31/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304400211 | 31779403 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
11/01/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304400279 | 31817430 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
11/08/2024 | 1 | B | A | C | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304400279 | 31837475 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
10/08/2024 | 2 | C | B | C | B | C | B | C | B | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304400279 | 32075688 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | AZ | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304400317 | 31784926 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | xxxx | xxxx |
10/22/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304400549 | 31745626 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
10/17/2024 | 2 | C | B | C | B | C | B | C | B | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304400549 | 31932473 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. Property inspected post disaster but pre-FEMA declaration of disaster end date. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
10/23/2024 | 2 | B | B | B | B | GA | Primary | Refinance - Cash-out - Other | C | B | A | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304400345 | 31745869 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304400032 | 31808816 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
743 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/07/2024 | 2 | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304400032 | 31808859 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
10/14/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304400596 | 31826438 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
10/08/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304400278 | 31812843 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
10/11/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304400133 | 31813913 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
10/29/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304400133 | 31813914 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx | xxxx |
10/29/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304400103 | 31827264 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
10/12/2024 | 2 | C | B | C | B | C | B | C | B | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304400104 | 31813761 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304400524 | 31825037 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
10/15/2024 | 1 | B | A | C | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304400524 | 31825038 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 50.70829% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | xxxx |
10/15/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304400524 | 31825039 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
10/29/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304400524 | 31825040 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx | xxxx |
10/29/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304400524 | 31825052 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
10/15/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304400524 | 31825064 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |
10/15/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304400581 | 31814093 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
11/08/2024 | 2 | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304388196 | 31761393 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
11/05/2024 | 2 | C | B | C | B | C | B | C | B | NC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304388196 | 32060958 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/07/2024 | 2 | B | B | B | B | NC | Primary | Refinance - Cash-out - Other | C | B | A | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304390611 | 31766371 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
11/13/2024 | 2 | C | B | C | B | C | B | C | B | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304385403 | 31744637 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx | xxxx |
10/04/2024 | 1 | B | A | C | A | B | A | B | A | MI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | Yes | ||||||||||
| 304385403 | 31744638 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx | xxxx |
10/04/2024 | 1 | C | A | C | A | C | A | C | A | MI | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | No | |||||||||||
| 304385403 | 31744639 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | xxxx | xxxx |
2 | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | No | ||||||||||||
| 304385403 | 31817435 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx | 2 | A | B | B | A | MI | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | No | |||||||||||||||||
| 304384300 | 31743963 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided | xxxx | xxxx |
09/29/2024 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304390407 | 31761696 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
10/29/2024 | 2 | C | B | C | B | C | B | C | B | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304385445 | 31763665 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304385445 | 31763666 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not signed by lender at or before closing. | xxxx | xxxx |
01/10/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304385445 | 31763667 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing. | xxxx | xxxx |
10/01/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304385445 | 31763668 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304392189 | 31790993 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
10/31/2024 | 1 | B | A | C | A | B | A | B | A | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304392189 | 31800644 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - S-Corp | General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. | xxxx | xxxx |
10/31/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304382296 | 31808431 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has verified disposable income of at least $2500.00. |
35.6782% DTI | SitusAMC,Aggregator SitusAMC |
xxxx |
12/17/2024 | 2 | C | B | C | B | C | B | C | B | NH | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304382296 | 31808528 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | xxxx | xxxx |
10/08/2024 | 1 | C | A | C | A | C | A | C | A | NH | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304384354 | 31803932 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304370767 | 31829015 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
10/24/2024 | 1 | B | A | C | A | B | A | B | A | OH | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304370767 | 31969169 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | OH | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304390396 | 31814035 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
10/23/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304397834 | 31845334 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
10/31/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304397834 | 31845335 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
10/31/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304393746 | 31828631 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
10/09/2024 | 1 | B | A | C | A | B | A | B | A | NE | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304393746 | 31863946 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | NE | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304390406 | 31849958 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
10/17/2024 | 1 | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | N/A | No | |||||||||||
| 304390406 | 31858626 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
11/27/2024 | 1 | C | A | C | A | C | A | C | A | MI | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | N/A | No | ||||||||||||
| 304400690 | 31862600 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx | xxxx |
10/12/2024 | 1 | B | A | C | A | B | A | B | A | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | Yes | ||||||||||
| 304400690 | 31862601 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx | xxxx |
10/12/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | No | |||||||||||
| 304400690 | 31896572 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx | 2 | A | B | B | A | NV | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | No | |||||||||||||||||
| 304391201 | 31868289 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing property condition report which is required per guidelines. | xxxx |
10/15/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418233 | 31898056 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/18/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418229 | 31966064 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/29/2024 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418299 | 31884093 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/18/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418299 | 31884127 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | MO | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304418219 | 31884345 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |
10/24/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418219 | 31884389 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418219 | 31884449 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has worked in the same position for more than 3 years. |
777 FICO | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
10/24/2024 | 2 | C | B | C | B | C | B | C | B | NV | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304418219 | 31884453 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
10/24/2024 | 1 | B | A | C | A | B | A | B | A | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304418219 | 31884454 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 46.39781% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has worked in the same position for more than 3 years. |
777 FICO | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
10/24/2024 | 2 | C | B | C | B | C | B | C | B | NV | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304418219 | 31884461 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
10/24/2024 | 1 | B | A | B | A | B | A | B | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418219 | 31884462 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |
10/24/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418219 | 31884465 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
10/24/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304418440 | 31885307 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/16/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418440 | 31924831 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
10/23/2024 | 2 | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304418372 | 31966272 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/29/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418372 | 31966352 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304418474 | 31885145 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304418474 | 31885147 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
10/21/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304418474 | 31885148 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx | xxxx |
10/21/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304418474 | 31885151 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418474 | 31912207 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (Other Debt) | Texas Constitution Section 50(a)(6): TX 50(a)(6) prohibits other debt secured by the homestead unless the purpose of additional debt is one described under TX 50(a)(1)-(5) or (8). Unable to determine purpose of additional debt secured by the homestead. | xxxx | xxxx |
10/24/2024 | 1 | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304418328 | 31884585 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418377 | 31925169 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/22/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418456 | 31897329 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304418456 | 31897377 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Borrower has verified disposable income of at least $2500.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. The qualifying DTI on the loan is at least 10% less than the guideline maximum. Property inspected post disaster but pre-FEMA declaration of disaster end date. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator |
xxxx |
10/18/2024 | 2 | C | B | C | B | C | B | C | B | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304418456 | 31904498 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has verified disposable income of at least $2500.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
10/14/2024 | 2 | B | B | B | B | B | B | B | B | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304418454 | 31884993 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/15/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418454 | 31915861 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
10/22/2024 | 2 | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304418224 | 31884664 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/15/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418224 | 31884686 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | VA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304418259 | 31897317 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418276 | 31898306 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | NM | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304418342 | 31897928 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418360 | 31925224 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/22/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418385 | 31884452 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/21/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| 304418385 | 31884597 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Non QM | Non QM | No | ||||||||||||||
| 304418385 | 31884599 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) | Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Non QM | Non QM | No | ||||||||||||||
| 304418388 | 31967111 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/29/2024 | 1 | C | A | C | A | C | A | C | A | LA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418245 | 31935202 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/22/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418245 | 31936531 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | B | B | B | B | B | B | B | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| 304418326 | 31897985 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/21/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418287 | 31873169 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
10/21/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304418287 | 31873286 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
01/02/2025 | 1 | B | A | C | A | B | A | B | A | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304418287 | 31873287 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | xxxx | xxxx |
01/01/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304418287 | 31873289 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Schedule C | General QM: Unable to verify Sole Proprietorship income using reasonably reliable third-party records. | xxxx | xxxx |
01/02/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304418371 | 31898035 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/21/2024 | 1 | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418383 | 31888377 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/21/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418411 | 31884999 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/15/2024 | 1 | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418411 | 31885006 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
11/01/2024 | 1 | B | A | C | A | B | A | B | A | MT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304418411 | 31915864 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
10/23/2024 | 1 | A | A | A | A | MT | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304418411 | 32038762 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | MT | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304418412 | 31885549 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/21/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418358 | 31926201 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/22/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418358 | 31928520 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
12/10/2024 | 2 | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304418406 | 31885152 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/16/2024 | 1 | C | A | C | A | C | A | C | A | HI | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 304418406 | 31890581 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Good employment history, credit and 71% CLTV | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
10/11/2024 | 2 | B | B | B | B | B | B | B | B | HI | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 304418406 | 31890611 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | xxxx | Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Good employment history, credit and 71% CLTV | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
11/01/2024 | 2 | C | B | C | B | C | B | C | B | HI | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 304418300 | 31903193 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/21/2024 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418209 | 31873783 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/16/2024 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418274 | 31966527 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/29/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418305 | 31966520 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
11/02/2024 | 1 | B | A | C | A | B | A | B | A | WI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304418305 | 31966554 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/29/2024 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418305 | 32018741 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
11/09/2024 | 1 | A | A | A | A | WI | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304418305 | 32042806 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | WI | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304418298 | 31918435 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/21/2024 | 1 | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418298 | 31918537 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | 2 | B | B | B | B | B | B | B | B | KY | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304418435 | 31886641 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/21/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| 304418435 | 31886852 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| 304418435 | 31886853 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| 304418336 | 31898130 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304418336 | 31898201 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
10/22/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304418336 | 31898251 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304418477 | 31898009 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304418464 | 31885445 | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Insurance premium was not provided. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
33.44481% DTI | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/14/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304418464 | 31885488 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx | xxxx |
11/06/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304418464 | 31885498 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
33.44481% DTI | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/14/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304418464 | 31885499 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418367 | 31917250 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418421 | 31916213 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418444 | 31885538 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/15/2024 | 1 | C | A | C | A | C | A | C | A | IA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418444 | 31885586 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
10/19/2024 | 1 | C | A | C | A | C | A | C | A | IA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304418466 | 31899063 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418466 | 31943544 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
10/25/2024 | 1 | A | A | A | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304418226 | 31994490 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/14/2024 | 1 | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304418284 | 31898384 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418284 | 31898409 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
10/29/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304418210 | 32019960 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/14/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | D | A | D | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418210 | 32019964 | Compliance | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided | xxxx | xxxx |
11/12/2024 | 1 | D | A | D | A | D | A | D | A | WA | Primary | Refinance - Cash-out - Other | D | A | D | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418210 | 32019970 | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided | xxxx | xxxx |
11/12/2024 | 1 | D | A | D | A | D | A | D | A | WA | Primary | Refinance - Cash-out - Other | D | A | D | A | D | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418266 | 31966951 | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. | 2 | B | B | B | B | B | B | B | B | AR | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304418266 | 31967146 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/29/2024 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418222 | 31934830 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/22/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418418 | 31899266 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
10/18/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304418418 | 31899280 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418403 | 31899848 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has verified disposable income of at least $2500.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC |
xxxx |
10/18/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304418403 | 31899881 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304418413 | 31900475 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418413 | 31900653 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
10/23/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304418413 | 31900676 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418413 | 31900677 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx | xxxx |
10/31/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304418413 | 31905488 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (No evidence that borrower received copies of all documents signed at closing) | Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing. | xxxx |
10/22/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Either Deliver the required documents to the borrower or refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| 304418413 | 31905763 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304418386 | 31885590 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418386 | 31885618 | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx% Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MA | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304418343 | 31918685 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418419 | 31898967 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418450 | 31887276 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/17/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418323 | 31925574 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
10/23/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304418323 | 31925581 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/22/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418349 | 31887806 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | NH | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| 304418349 | 31887858 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | NH | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| 304418452 | 31886935 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304418271 | 31966835 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418271 | 31968917 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418254 | 31887527 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/17/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418240 | 31886705 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/17/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418208 | 31967174 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418337 | 31925875 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/22/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418339 | 31967903 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418339 | 31967945 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |
11/04/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418389 | 31887560 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/17/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418391 | 31899803 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418391 | 31899807 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal and secondary valuation are missing. Sec ID: 4 | xxxx | xxxx |
12/14/2024 | 1 | D | A | D | A | D | A | D | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418356 | 31899100 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418366 | 31926152 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/22/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418409 | 31886937 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418272 | 31888257 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418325 | 31887059 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/16/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418235 | 31966861 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418304 | 31899756 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
10/24/2024 | 2 | C | B | C | B | C | B | C | B | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304418304 | 31899769 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418246 | 31887315 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418246 | 31887404 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304418246 | 31887405 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx | xxxx |
11/12/2024 | 1 | B | A | B | A | B | A | B | A | KY | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304418246 | 31887406 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418246 | 31887410 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
11/12/2024 | 1 | B | A | C | A | B | A | B | A | KY | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304418246 | 31887411 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 47.27380% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
742 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/12/2024 | 2 | C | B | C | B | C | B | C | B | KY | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304418246 | 31887412 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
12/10/2024 | 2 | C | B | C | B | C | B | C | B | KY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304418246 | 31887421 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
742 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/12/2024 | 2 | C | B | C | B | C | B | C | B | KY | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304418246 | 31887439 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304418414 | 31888151 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/16/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418416 | 31887036 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304418407 | 31900060 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418482 | 31888502 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
10/18/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304418482 | 31888564 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418239 | 31934521 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/22/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418301 | 31888067 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/15/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418301 | 31888087 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304418301 | 31915865 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
10/23/2024 | 2 | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304418332 | 31966776 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| 304418332 | 31966814 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx | 2 | B | B | B | B | B | B | B | B | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | B | B | Non QM | Non QM | Yes | ||||||||||||
| 304418453 | 31887825 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/21/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304418434 | 31888733 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/21/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418292 | 31888957 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/16/2024 | 1 | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418345 | 31888893 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/16/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418334 | 31890641 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/21/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418320 | 31925426 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/22/2024 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418324 | 31932594 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/22/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418324 | 31932635 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304418324 | 31932637 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304418296 | 31906427 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has verified disposable income of at least $2500.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC |
xxxx |
10/18/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304418296 | 31906430 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: AVM report date not provided. | - | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304418296 | 31906623 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418295 | 31917758 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/22/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| 304418295 | 31918170 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| 304418295 | 31918171 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| 304418333 | 31906391 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 304418333 | 31906394 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
10/22/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 304418364 | 31967570 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418479 | 31888993 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/22/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418357 | 31907181 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304418357 | 31907182 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304418357 | 31907184 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304418357 | 31907189 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418357 | 31943576 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
10/28/2024 | 1 | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304418449 | 31907197 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304418449 | 31943577 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
10/28/2024 | 1 | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 304418468 | 31968828 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418306 | 31891274 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418306 | 31891278 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC |
xxxx |
10/18/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304418348 | 31907152 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418207 | 31967761 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418255 | 31948943 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418374 | 31967165 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418374 | 31967211 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
11/01/2024 | 1 | B | A | C | A | B | A | B | A | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304418374 | 31967219 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
10/30/2024 | 2 | C | B | C | B | C | B | C | B | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304418374 | 32042382 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304418380 | 31967144 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304418353 | 31906959 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418355 | 31908599 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | HI | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304418355 | 31908604 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | HI | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418473 | 31892289 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304418429 | 31898008 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| 304418429 | 31898013 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/20/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| 304418429 | 31898053 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| 304385093 | 31877322 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
10/11/2024 | 1 | C | A | C | A | C | A | C | A | TN | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304390465 | 31876248 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx | xxxx |
10/11/2024 | 1 | B | A | C | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Higher Priced QM (APOR) | Non QM | Yes | ||||||||||
| 304390465 | 31876249 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx | xxxx |
10/11/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Non QM | No | |||||||||||
| 304390465 | 31876253 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
10/24/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Non QM | No | |||||||||||
| 304390465 | 31883833 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Non QM | No | ||||||||||||||
| 304390465 | 31890112 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx | 2 | A | B | B | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Non QM | No | |||||||||||||||||
| 304387441 | 31877132 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx | xxxx |
12/13/2024 | 1 | B | A | C | A | B | A | B | A | MO | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Higher Priced QM (APOR) | Non QM | Yes | ||||||||||
| 304387441 | 31877133 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx | xxxx |
12/13/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | B | C | A | C | B | Higher Priced QM (APOR) | Non QM | No | |||||||||||
| 304387441 | 31877592 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
10/11/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Purchase | C | B | C | A | C | B | Higher Priced QM (APOR) | Non QM | No | |||||||||||
| 304387441 | 31883838 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | MO | Primary | Purchase | C | B | C | A | C | B | Higher Priced QM (APOR) | Non QM | No | ||||||||||||||
| 304387441 | 32374665 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx | 2 | A | B | B | A | MO | Primary | Purchase | C | B | C | A | C | B | Higher Priced QM (APOR) | Non QM | No | |||||||||||||||||
| 304398246 | 31876329 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
10/14/2024 | 1 | B | A | C | A | B | A | B | A | ID | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304398246 | 31876330 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
10/14/2024 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304398246 | 31903507 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | ID | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304392253 | 31889033 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
10/16/2024 | 1 | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304398840 | 31910461 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx | xxxx |
11/12/2024 | 1 | B | A | C | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | B | B | C | B | Safe Harbor QM (APOR) | Non QM | Yes | ||||||||||
| 304398840 | 31910462 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | Safe Harbor QM (APOR) | Non QM | No | ||||||||||||
| 304398840 | 31910501 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | Safe Harbor QM (APOR) | Non QM | No | ||||||||||||||
| 304398840 | 32093919 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx | 2 | A | B | B | A | CA | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | Safe Harbor QM (APOR) | Non QM | No | |||||||||||||||||
| 304401036 | 31918099 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304401036 | 31924599 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 304401105 | 31924755 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304397164 | 31926300 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304397164 | 31926301 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (Other Debt) | Texas Constitution Section 50(a)(6): TX 50(a)(6) prohibits other debt secured by the homestead unless the purpose of additional debt is one described under TX 50(a)(1)-(5) or (8). Unable to determine purpose of additional debt secured by the homestead. | xxxx | xxxx |
10/23/2024 | 1 | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304400610 | 31938667 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304400610 | 31938668 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304401037 | 31935466 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304416201 | 31935764 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
10/25/2024 | 2 | C | B | C | B | C | B | C | B | SC | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304385443 | 31936342 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
10/24/2024 | 1 | B | A | C | A | B | A | B | A | KS | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | B | B | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304385443 | 31936359 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | KS | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304385443 | 31971404 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | KS | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304396736 | 31948974 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
10/24/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304396736 | 31948979 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304393745 | 31949040 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | MO | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304393745 | 31949043 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | xxxx | xxxx |
10/25/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304393745 | 31950583 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304393745 | 31950635 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 50.52026% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304393745 | 31950636 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | B | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304393745 | 31950651 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
02/11/2025 | 1 | B | A | C | A | B | A | B | A | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304393092 | 31949327 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
12/06/2024 | 1 | B | A | C | A | B | A | B | A | SC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304393092 | 31952840 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | xxxx | xxxx |
11/04/2024 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304393092 | 31952843 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |
12/06/2024 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304393092 | 32050672 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Assets | General QM: Unable to verify assets using reasonably reliable third-party records. | xxxx | xxxx |
11/18/2024 | 1 | A | A | A | A | SC | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304393092 | 32325722 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | SC | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304385095 | 31958999 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx | xxxx |
10/30/2024 | 1 | B | A | C | A | B | A | B | A | TX | Primary | Purchase | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Higher Priced QM (APOR) | Non QM | Yes | ||||||||||
| 304385095 | 31959000 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | Higher Priced QM (APOR) | Non QM | No | ||||||||||||
| 304385095 | 31959108 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
10/24/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Purchase | C | B | C | A | C | B | Higher Priced QM (APOR) | Non QM | No | |||||||||||
| 304385095 | 32021057 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx | 2 | A | B | B | A | TX | Primary | Purchase | C | B | C | A | C | B | Higher Priced QM (APOR) | Non QM | No | |||||||||||||||||
| 304385080 | 31958023 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
10/23/2024 | 1 | B | A | C | A | B | A | B | A | MA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304385080 | 31958024 | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx% Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MA | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304385080 | 31962761 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | MA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304401312 | 31956615 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
10/25/2024 | 1 | C | A | C | A | C | A | C | A | NH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304425951 | 31994516 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304426001 | 31994816 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304426002 | 31994500 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/14/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304425976 | 31994647 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/14/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426081 | 31994901 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304426084 | 31974482 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426186 | 31974745 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
10/31/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304426186 | 31974754 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/15/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426186 | 31974776 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/06/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304426186 | 31974788 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
11/06/2024 | 1 | B | A | C | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304426186 | 31974789 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 47.66109% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/06/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304426186 | 31974790 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
11/06/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304425981 | 31994670 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/15/2024 | 1 | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426034 | 31995803 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/15/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304426034 | 31995908 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304426034 | 31995909 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304426034 | 32015740 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304426038 | 31994786 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426038 | 31994811 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | UT | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426040 | 31995097 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304426054 | 31994793 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426054 | 31994876 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304426054 | 31994877 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304426054 | 32023544 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | xxxx | xxxx |
11/09/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426107 | 31984750 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/15/2024 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426028 | 31995545 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/15/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426028 | 31995578 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/04/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304426030 | 31995325 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/15/2024 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426139 | 31974680 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426139 | 31974702 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
10/31/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304425939 | 31995845 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/15/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304425999 | 31995320 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/15/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304425947 | 31995085 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426047 | 31994942 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304426055 | 31984725 | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. | 2 | B | B | B | B | B | B | B | B | AR | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304426055 | 31984745 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/15/2024 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426055 | 31984746 | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426048 | 31986005 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/20/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426048 | 31986006 | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided | xxxx | xxxx |
11/02/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426071 | 31986299 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/15/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304425978 | 31995196 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426013 | 31994979 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/04/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304426013 | 31994989 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/15/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426152 | 31975067 | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided | xxxx | xxxx |
11/02/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| 304426152 | 31975088 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Non QM | Non QM | No | ||||||||||||||
| 304426152 | 31975099 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| 304426143 | 31974835 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | HI | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304426143 | 31974844 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | 2 | B | B | B | B | B | B | B | B | HI | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304426156 | 31975219 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 304426156 | 31978826 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has worked in the same position for more than 3 years. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. |
Borrower has worked in the same position for more than 10 years. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
10/25/2024 | 2 | B | B | B | B | B | B | B | B | NE | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 304425938 | 31995513 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/15/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304425972 | 31995092 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/15/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304425972 | 31995127 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304425972 | 31995128 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
11/12/2024 | 1 | B | A | B | A | B | A | B | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304425972 | 31995129 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304425972 | 31995131 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
11/12/2024 | 1 | B | A | C | A | B | A | B | A | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304425972 | 31995132 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 49.60682% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. |
Borrower has lived in subject for 5 years. | SitusAMC,Aggregator SitusAMC |
xxxx |
11/12/2024 | 2 | C | B | C | B | C | B | C | B | NV | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304425972 | 31995133 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. |
Borrower has lived in subject for 5 years. | SitusAMC,Aggregator SitusAMC |
xxxx |
11/12/2024 | 2 | C | B | C | B | C | B | C | B | NV | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304425972 | 31995134 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304425972 | 32023822 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | xxxx | xxxx |
12/06/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304425975 | 31995973 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426053 | 31996128 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/14/2024 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304426060 | 31986129 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | DE | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304426041 | 31995069 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/14/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426147 | 31975180 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304426062 | 31985215 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426062 | 31985221 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | 2 | B | B | B | B | B | B | B | B | CO | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426069 | 31985235 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/14/2024 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426072 | 31985018 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/14/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| 304426072 | 31985115 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | 2 | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| 304426086 | 31986047 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/15/2024 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304425937 | 31995232 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/15/2024 | 1 | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304425949 | 31995081 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304426043 | 31985033 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426043 | 31986329 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
10/28/2024 | 2 | B | B | B | B | B | B | B | B | WI | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304426022 | 31997334 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/06/2024 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426104 | 31985311 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
11/05/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304426104 | 31985585 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426185 | 31975717 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/06/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304426185 | 31975781 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304426185 | 31975782 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304426185 | 31975783 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304425956 | 31996492 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/15/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304425956 | 31996671 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has owned the subject property for at least 5 years. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |
727 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
11/12/2024 | 2 | C | B | C | B | C | B | C | B | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304425956 | 31996718 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304425956 | 31996719 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
11/12/2024 | 1 | B | A | B | A | B | A | B | A | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304425956 | 31996720 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304425956 | 31996723 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 49.73280% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has owned the subject property for at least 5 years. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |
727 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
11/12/2024 | 2 | C | B | C | B | C | B | C | B | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304425956 | 31996995 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
11/12/2024 | 1 | B | A | C | A | B | A | B | A | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304425956 | 31997005 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304426170 | 31974824 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304426004 | 31999390 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304425962 | 31997281 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426023 | 31996235 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/15/2024 | 1 | C | A | C | A | C | A | C | A | WV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426046 | 31985007 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304425986 | 31997329 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/14/2024 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304425986 | 31997398 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
12/10/2024 | 2 | C | B | C | B | C | B | C | B | IL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304425986 | 31997424 | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided | xxxx | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304426155 | 31975190 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/07/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426155 | 31975222 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | xxxx | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426155 | 31975223 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426155 | 31988984 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304425963 | 32018917 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/07/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426125 | 32018953 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/07/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Non QM | Non QM | No | |||||||||||||
| 304426125 | 32018985 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
12/10/2024 | 2 | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | Non QM | Non QM | Yes | ||||||||||
| 304426128 | 31975360 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304426153 | 31975446 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
11/05/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304426153 | 31975498 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | 2 | B | B | B | B | B | B | B | B | VA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426153 | 31980001 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426180 | 31975484 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304425971 | 32020355 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/07/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304425991 | 32021214 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/07/2024 | 1 | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304425991 | 32021294 | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | OK | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426049 | 31985191 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/07/2024 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426061 | 31985073 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/07/2024 | 1 | C | A | C | A | C | A | C | A | WY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426087 | 31975627 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426087 | 31975653 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC |
xxxx |
10/31/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304426014 | 32019029 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/07/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||||
| 304426014 | 32019041 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx | xxxx |
11/07/2024 | 1 | B | A | C | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Non QM | Non QM | Yes | ||||||||||
| 304426014 | 32019042 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - Schedule C Test | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | xxxx | xxxx |
11/07/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304426014 | 32019043 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx | xxxx |
11/07/2024 | 1 | A | A | A | A | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304426014 | 32023957 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing 3rd party verification of self employment for the Schedule C business. | xxxx |
11/07/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304426138 | 31975793 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304426138 | 31975811 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
10/31/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304426032 | 32019065 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/08/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304426035 | 32010401 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/08/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304426059 | 31986353 | Compliance | Compliance | State Compliance | Misc. State Level | Utah Home Loan (Document Signed Contains Blanks) | Utah Home Loan: Mortgage loan contains signed documents with blanks which could be filled in after consummation. | 2 | B | B | B | B | B | B | B | B | UT | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304426059 | 31986361 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/08/2024 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304425948 | 32019520 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | xxxx | xxxx |
11/07/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304425948 | 32020541 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304425948 | 32024056 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/08/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304426064 | 31985513 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/08/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426067 | 31986214 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/08/2024 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304426163 | 32021039 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/08/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||||
| 304426163 | 32023529 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |
12/02/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||||
| 304426163 | 32023530 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
12/02/2024 | 1 | B | A | B | A | B | A | B | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||||
| 304426163 | 32023531 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |
12/02/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||||
| 304426163 | 32023532 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | xxxx |
12/02/2024 | 1 | B | A | B | A | B | A | B | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304426120 | 31976397 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426120 | 31976478 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426120 | 31976479 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426120 | 31981490 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx |
11/05/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304425979 | 32020814 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/08/2024 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426044 | 32019494 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/06/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||||
| 304426044 | 32019509 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |
11/29/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||||
| 304426044 | 32019510 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx | xxxx |
11/29/2024 | 1 | B | A | B | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304426044 | 32019511 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |
11/29/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||||
| 304426044 | 32328401 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
12/16/2024 | 1 | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||||||
| 304426188 | 31976580 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304426110 | 31986335 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/08/2024 | 1 | C | A | C | A | C | A | C | A | IA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426052 | 31986350 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304426099 | 31985458 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/08/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426106 | 31977132 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304425946 | 32020573 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/09/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304425946 | 32077080 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
11/30/2024 | 1 | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304425996 | 32019266 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/08/2024 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304425996 | 32021560 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | 2 | B | B | B | B | B | B | B | B | ID | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426018 | 32020556 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/08/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426101 | 31985521 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/07/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426101 | 32069992 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
12/18/2024 | 1 | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304425944 | 32019735 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304425944 | 32020352 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304425944 | 32020353 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304426135 | 31977644 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304425935 | 32019599 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/07/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304425980 | 32019656 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426070 | 31985296 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426070 | 31985506 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
11/02/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304426070 | 31985507 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx | xxxx |
11/02/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304426070 | 31986673 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | 2 | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426073 | 32020758 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/07/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304426075 | 31986783 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/07/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304426164 | 31977122 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
10/30/2024 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304426094 | 31985329 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/07/2024 | 1 | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304426094 | 31985340 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
11/04/2024 | 1 | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304405166 | 31977837 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304405166 | 31977838 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | xxxx | xxxx |
10/29/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304405166 | 31977841 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | Texas Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. | xxxx | xxxx |
10/29/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304405166 | 31980225 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing. | xxxx | xxxx |
10/29/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304396707 | 31979905 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
11/22/2024 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304387782 | 31978368 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
10/31/2024 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304387782 | 31978369 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Unable to test RTC expiration date due to missing information. | xxxx | xxxx |
12/17/2024 | 2 | C | B | C | B | C | B | C | B | SC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304387782 | 31978609 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
10/31/2024 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304387782 | 31981704 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | xxxx | xxxx |
10/31/2024 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304419532 | 31977519 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304400721 | 31978645 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx | xxxx |
11/12/2024 | 1 | B | A | C | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | Yes | ||||||||||
| 304400721 | 31978646 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | No | ||||||||||||
| 304400721 | 32094230 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx | 2 | A | B | B | A | CA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | No | |||||||||||||||||
| 304398644 | 31981846 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
10/31/2024 | 1 | B | A | C | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304398644 | 31981847 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 55.93122% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx | xxxx |
10/31/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304398644 | 31981862 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
10/31/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304398644 | 31981918 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
10/31/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304369431 | 31979441 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
10/31/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304388642 | 31987878 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
10/30/2024 | 1 | B | A | C | A | B | A | B | A | IL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304388642 | 32024540 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | IL | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304416341 | 31999262 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
10/31/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304419017 | 31998469 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | xxxx |
10/31/2024 | 1 | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | C | A | B | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304419017 | 31998478 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
10/31/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | B | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304420151 | 31998651 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
11/05/2024 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304428389 | 32043341 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428431 | 32037073 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428543 | 32043714 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304428551 | 32037017 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428577 | 32036791 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428640 | 32037069 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428640 | 32037133 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
11/19/2024 | 1 | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304428482 | 32043334 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428681 | 32194202 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | DE | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304428690 | 32194772 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | WV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428725 | 32036950 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428702 | 32036878 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428544 | 32043523 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428450 | 32036942 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
11/19/2024 | 1 | C | A | C | A | C | A | C | A | RI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304428450 | 32036944 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | RI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428599 | 32214371 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Non QM | Non QM | No | ||||||||||||
| 304428599 | 32218137 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Non QM | Non QM | No | ||||||||||||
| 304428599 | 32218138 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx | xxxx |
11/29/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Non QM | Non QM | Yes | ||||||||||
| 304428599 | 32232962 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Non QM | Non QM | No | |||||||||||||
| 304428632 | 32037262 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304428650 | 32038206 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428439 | 32037016 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428366 | 32051291 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428412 | 32037006 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304428412 | 32037011 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428520 | 32194411 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/27/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428520 | 32194428 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
11/26/2024 | 1 | B | A | C | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304428520 | 32194429 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428520 | 32226767 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304428520 | 32267159 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304428556 | 32195802 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428528 | 32036962 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428565 | 32046215 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428696 | 32046888 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304428703 | 32043607 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428703 | 32043610 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304428678 | 32194749 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304428678 | 32496202 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
01/02/2025 | 1 | A | A | A | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 304428683 | 32036947 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304428701 | 32194908 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 304428701 | 32233185 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has worked in the same position for more than 3 years. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. |
Same employer for over 5 years. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
11/21/2024 | 2 | B | B | B | B | B | B | B | B | KY | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 304428685 | 32194461 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304428348 | 32194670 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/03/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304428348 | 32194855 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428348 | 32194856 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
02/03/2025 | 1 | B | A | B | A | B | A | B | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428348 | 32194857 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304428348 | 32194858 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304428348 | 32194859 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304428348 | 32194860 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304428348 | 32194862 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/03/2025 | 1 | B | A | C | A | B | A | B | A | WI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304428348 | 32194863 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428348 | 32194864 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Wisconsin Covered Loan (Consumer Caution Notice Not Provided) | Wisconsin Covered Loan: Borrower not provided with Consumer Caution Notice. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | See any available cure under Wisconsin Covered Loan threshold exception. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304428348 | 32194865 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Wisconsin Covered Loan (Points and Fees) | Wisconsin Responsible High-Cost Mortgage Lending Act: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | Within 60 days of discovery, and before any investigation or other enforcement action by the WI Dept of Financial Institutions, provide: (1) Lender Attestation to AMC stating (i) lender acted in good faith while committing the violation; and (ii) there has been no prior investigation or other enforcement action by the WI Dept of Financial Institutions regarding the failure; (2) refund of amount over the covered loan threshold maximum; and (3) proof of delivery. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| 304428348 | 32194867 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428357 | 32043857 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304428369 | 32037377 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Maryland Covered Loan (Counseling Disclosure Not Provided) | Maryland Covered Loan: Home Counseling Disclosure to provide home buyer education was not provided to borrower. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304428369 | 32037378 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Maryland Covered Loan (Counseling Agencies Not Provided) | Maryland Covered Loan: Home Counseling a list of county approved agencies to provide home buyer education was not provided to borrower. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304428369 | 32037379 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) | Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304428369 | 32037380 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304428369 | 32037391 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428369 | 32037392 | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided | xxxx | xxxx |
11/18/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428372 | 32194696 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/24/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304428447 | 32195801 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/02/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428447 | 32195837 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/23/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304428532 | 32037322 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428532 | 32037348 | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided | xxxx | xxxx |
11/18/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428537 | 32194932 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304428537 | 32231860 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | xxxx | xxxx |
12/01/2024 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428561 | 32194913 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/27/2024 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428561 | 32499233 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
01/03/2025 | 1 | A | A | A | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304428596 | 32037145 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||||
| 304428596 | 32037230 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304428596 | 32037231 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304428596 | 32037232 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Non QM | Non QM | Yes | ||||||||||
| 304428596 | 32037233 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304428557 | 32044162 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428584 | 32047344 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428584 | 32047356 | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided | xxxx | xxxx |
11/18/2024 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428446 | 32044098 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304428446 | 32044119 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | xxxx | xxxx |
11/14/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304428436 | 32043565 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428423 | 32195530 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428385 | 32051738 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/19/2024 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428519 | 32047576 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428519 | 32047617 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | xxxx | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304428519 | 32047618 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304428477 | 32047154 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304428560 | 32050867 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304428649 | 32038349 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428649 | 32038383 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
11/19/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304428649 | 32038435 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304428649 | 32038436 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304428649 | 32038437 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | xxxx | xxxx |
02/04/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304428612 | 32037744 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304428612 | 32037798 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304428612 | 32037799 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304428629 | 32038114 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428707 | 32195410 | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided | xxxx | xxxx |
11/26/2024 | 1 | D | A | D | A | D | A | D | A | AZ | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428707 | 32195412 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428707 | 32195433 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Credit History | Ability to Repay (Dodd-Frank 2014): Unable to verify debt obligations using reasonably reliable third-party records. | xxxx | xxxx |
11/26/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304428707 | 32195434 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx | xxxx |
11/26/2024 | 1 | A | A | A | A | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304428707 | 32195435 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
11/26/2024 | 1 | B | A | C | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | A | D | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304428707 | 32195436 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Required Credit Report Not Provided to Evidence Debts | Qualified Mortgage (Dodd-Frank 2014): The loan file does not contain a Credit report to evidence the consumers outstanding liabilities. | xxxx | xxxx |
11/26/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304428707 | 32195452 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | xxxx | xxxx |
11/26/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428411 | 32051304 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/19/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428421 | 32051660 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428535 | 32051426 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428538 | 32088924 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/19/2024 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428531 | 32037962 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428487 | 32037815 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428658 | 32037839 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428658 | 32037848 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | xxxx |
11/07/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428625 | 32037931 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304428625 | 32038111 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx | 2 | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||||
| 304428581 | 32037854 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304428590 | 32195826 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/20/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304428720 | 32037983 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428720 | 32038058 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304428720 | 32038063 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304428720 | 32038067 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx | xxxx |
2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304428720 | 32038099 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | Texas Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. | xxxx | xxxx |
01/03/2025 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304428396 | 32051574 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428452 | 32038733 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | RI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428493 | 32038202 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/13/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304428517 | 32194387 | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. | 2 | B | B | B | B | B | B | B | B | AR | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304428517 | 32194408 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428682 | 32037498 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/13/2024 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 304428682 | 32037501 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/04/2024 | 2 | B | B | B | B | B | B | B | B | SC | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 304428468 | 32051872 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/19/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304428485 | 32038224 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/13/2024 | 1 | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304428485 | 32038285 | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Compliant Higher Priced Loan. | xxxx | 2 | B | B | B | B | B | B | B | B | OK | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428679 | 32038600 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/13/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428688 | 32052017 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/13/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428408 | 32195568 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304428417 | 32052579 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/13/2024 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||||
| 304428417 | 32052605 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
11/14/2024 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304428417 | 32052606 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
11/14/2024 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304428432 | 32051518 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/20/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304428471 | 32230270 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | DE | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428490 | 32195268 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428549 | 32039678 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/13/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304428541 | 32196557 | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx% Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MA | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| 304428541 | 32196598 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| 304428541 | 32196602 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
11/30/2024 | 1 | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| 304428491 | 32038869 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/13/2024 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304428643 | 32231935 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304428610 | 32195363 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
11/25/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428610 | 32195431 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/16/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428635 | 32231898 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/03/2025 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304428569 | 32088903 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/20/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304428415 | 32220613 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 304428415 | 32221521 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/03/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 304428415 | 32231996 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
Excellent credit, low ratios and a 75% CLTV | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/21/2024 | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 304428336 | 32056021 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/20/2024 | 1 | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304428364 | 32233835 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/03/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304428364 | 32233843 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304428364 | 32233844 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304428364 | 32234074 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | xxxx | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304428364 | 32238904 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304428339 | 32051855 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428461 | 32052013 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428461 | 32123985 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
11/30/2024 | 1 | A | A | A | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304428410 | 32052596 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428457 | 32051927 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/19/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428463 | 32039860 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428463 | 32039905 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304428463 | 32039906 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304428463 | 32039907 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304428463 | 32041401 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304428583 | 32088813 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/19/2024 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428583 | 32166220 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
12/03/2024 | 1 | A | A | A | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304428611 | 32043784 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | NM | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428680 | 32044853 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428694 | 32052828 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Self-Employed Tax Return Recency - QM | General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304428694 | 32052850 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/02/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428694 | 32289403 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
01/07/2025 | 1 | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304428659 | 32044665 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428666 | 32044726 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428666 | 32044895 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304428669 | 32234588 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/01/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428399 | 32052701 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428454 | 32234393 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304428506 | 32234734 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428530 | 32234886 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/24/2024 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304428496 | 32052478 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428615 | 32237354 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/02/2024 | 1 | C | A | C | A | C | A | C | A | LA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304428615 | 32237374 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | LA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304428646 | 32235172 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/27/2024 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304428360 | 32045822 | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | OK | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| 304428360 | 32045823 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Non QM | Non QM | No | |||||||||||||
| 304428513 | 32196543 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/02/2025 | 1 | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428484 | 32235606 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/24/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428492 | 32044874 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428576 | 32089597 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/20/2024 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428652 | 32046092 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| 304428652 | 32047993 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | xxxx | xxxx |
11/23/2024 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 304428652 | 32124088 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
12/02/2024 | 1 | A | A | A | A | AL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||||
| 304428652 | 32288956 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The refinance has decreased the borrower's monthly debt payments by 20% or more. |
28.82515% DTI | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/02/2024 | 2 | B | B | B | B | AL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| 304428661 | 32236497 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | LA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428661 | 32238139 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower has worked in the same position for more than 3 years. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
Borrower has been with current employer for 19 years. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
12/04/2024 | 2 | C | B | C | B | C | B | C | B | LA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304428604 | 32057610 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/20/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428604 | 32057628 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304428604 | 32057629 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304428608 | 32045062 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428466 | 32237162 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428505 | 32235909 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/23/2024 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304428505 | 32235977 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304428505 | 32235978 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
02/19/2025 | 1 | B | A | B | A | B | A | B | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428505 | 32235979 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304428505 | 32235980 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304428505 | 32235981 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304428505 | 32235982 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304428505 | 32235983 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304428505 | 32235985 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/19/2025 | 1 | B | A | C | A | B | A | B | A | NE | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304428505 | 32235986 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304428510 | 32051908 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/20/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428545 | 32054211 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304428545 | 32054212 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304428545 | 32054214 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx | xxxx |
01/07/2025 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304428545 | 32054292 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
11/20/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304428691 | 32057803 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304428691 | 32057804 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304428691 | 32057806 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/20/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428613 | 32055383 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/20/2024 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428613 | 32055483 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
11/21/2024 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304428626 | 32052307 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/20/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428639 | 32045694 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304428653 | 32045849 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304428653 | 32045988 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304428653 | 32045989 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304428667 | 32057559 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/20/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304428667 | 32062038 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304428676 | 32089107 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
11/20/2024 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304420136 | 32022204 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx | xxxx |
12/18/2024 | 2 | C | B | C | B | C | B | C | B | ME | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304401304 | 32025362 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | B | B | B | B | B | B | B | GA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304384880 | 32022707 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
10/31/2024 | 2 | B | B | B | B | B | B | B | B | GA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304392233 | 32022913 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | xxxx | xxxx |
11/04/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304393341 | 32030925 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/12/2024 | 2 | C | B | C | B | C | B | C | B | NC | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304418764 | 32031031 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
11/14/2024 | 1 | B | A | C | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304418764 | 32031033 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304418764 | 32033594 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304418764 | 32143496 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | TX | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304393212 | 32030555 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
11/04/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304401940 | 32053023 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
11/12/2024 | 1 | B | A | C | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304401940 | 32094650 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | AZ | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304417276 | 32053638 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | xxxx | xxxx |
11/15/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304420150 | 32055388 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
11/07/2024 | 1 | B | A | C | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304420150 | 32069792 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | CA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304422971 | 32054636 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |
11/09/2024 | 1 | C | A | C | A | C | A | C | A | HI | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304391221 | 32058701 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
11/07/2024 | 1 | B | A | C | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304391221 | 32067667 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | AZ | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304398573 | 32058696 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
11/07/2024 | 1 | B | A | C | A | B | A | B | A | OK | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304398573 | 32058697 | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Compliant Higher Priced Loan. | xxxx | 2 | B | B | B | B | B | B | B | B | OK | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304398573 | 32067635 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | OK | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304424089 | 32057389 | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. | xxxx | 2 | B | B | B | B | B | B | B | B | AR | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304417252 | 32057882 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | xxxx |
11/08/2024 | 1 | A | A | A | A | A | A | A | A | SC | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304417252 | 32057888 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | xxxx |
11/08/2024 | 1 | B | A | B | A | B | A | B | A | SC | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304399475 | 32059219 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304425613 | 32068802 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
Low CLTV, good recent credit history and job history | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/07/2024 | 2 | B | B | B | B | B | B | B | B | OR | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304420435 | 32065521 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304416273 | 32069965 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided | xxxx | xxxx |
11/12/2024 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304422954 | 32070926 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 2 | B | B | B | B | B | B | B | B | MT | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304425349 | 32083937 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
11/11/2024 | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304405721 | 32124585 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304405721 | 32124597 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
11/14/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | B | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304428731 | 32126997 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | The Final CD reflects a consumer debt payoff to xxxx for $xxxx but the credit report and letter from xxxx states the loan was paid off prior to close. Unable to determine disposition of the funds. | xxxx |
11/20/2024 | 1 | C | A | C | A | C | A | C | A | CA | Second Home | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304425161 | 32132374 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | xxxx | 2 | B | B | B | B | B | B | B | B | CO | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304425161 | 32134724 | Compliance | Compliance | Federal Compliance | Missing Application Date | Missing Initial Loan Application Test | No evidence of application date located in file. Compliance tests were run using an application date of xx/xx/xxxx which is 1 months prior to consummation. A lookback was performed to determine this application date. | xxxx | xxxx |
11/15/2024 | 1 | B | A | B | A | B | A | B | A | CO | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304425161 | 32134725 | Compliance | Compliance | Federal Compliance | TILA | NMLS - Missing Evidence of Initial Loan Application Date | Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. | xxxx | xxxx |
11/15/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304425266 | 32132961 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
11/19/2024 | 1 | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304401298 | 32141874 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304401298 | 32144015 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438855 | 32154552 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438857 | 32154039 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438810 | 32244417 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304438910 | 32154264 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304438877 | 32154049 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304439012 | 32244209 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304439012 | 32244214 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/02/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304438978 | 32154051 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438978 | 32154185 | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Compliant Higher Priced Loan. | xxxx | 2 | B | B | B | B | B | B | B | B | OK | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304439045 | 32145524 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304439066 | 32244523 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304439076 | 32244838 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | HI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438801 | 32145485 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438801 | 32145563 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304438801 | 32145564 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304438801 | 32150358 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304438801 | 32150382 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |
01/07/2025 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304438822 | 32244706 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438822 | 32244782 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | xxxx | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438822 | 32244783 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438822 | 32244785 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304438904 | 32154260 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304438809 | 32145932 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438839 | 32154236 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438839 | 32154241 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx | xxxx |
11/25/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304438853 | 32154123 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304439001 | 32154500 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 304439001 | 32154553 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has worked in the same position for more than 3 years. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. |
Co-borrower at current employer for 10 years. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
11/18/2024 | 2 | B | B | B | B | B | B | B | B | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 304439008 | 32246029 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304439008 | 32246365 | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx% Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MA | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304439004 | 32247123 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304439004 | 32247333 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304439004 | 32247334 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304439004 | 32247336 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304439043 | 32157772 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438848 | 32249679 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/01/2025 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304438848 | 32249693 | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided | xxxx | xxxx |
12/21/2024 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438893 | 32154929 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||||
| 304438893 | 32155155 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | xxxx | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | No obvious cure | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||
| 304438832 | 32154653 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438813 | 32250880 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304438828 | 32245257 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438828 | 32245765 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304438828 | 32245767 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304438828 | 32245769 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304438828 | 32265442 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304438908 | 32154914 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438908 | 32154953 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Borrower has owned the subject property for at least 5 years. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. Property inspected post disaster but pre-FEMA declaration of disaster end date. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | SitusAMC SitusAMC SitusAMC Aggregator |
xxxx |
11/18/2024 | 2 | B | B | B | B | B | B | B | B | SC | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304439081 | 32247796 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/03/2024 | 1 | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304439081 | 32247801 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304439018 | 32415031 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |
01/02/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304439018 | 32415032 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
01/02/2025 | 1 | B | A | B | A | B | A | B | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304439018 | 32415033 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |
01/02/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304439018 | 32415035 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx | xxxx |
01/02/2025 | 1 | B | A | C | A | B | A | B | A | MD | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304439018 | 32415036 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx |
01/02/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304439018 | 32415058 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304439018 | 32418983 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx |
01/02/2025 | 1 | A | A | A | A | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438998 | 32245976 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438998 | 32246176 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304438998 | 32246177 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
02/03/2025 | 1 | B | A | B | A | B | A | B | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438998 | 32246178 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438998 | 32246179 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438998 | 32246180 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438998 | 32246181 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438998 | 32246182 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| 304438998 | 32246183 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (2015 Counseling Requirement) | Truth in Lending Act (HOEPA): Pre-loan counseling requirements not met. | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438998 | 32246184 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438998 | 32246185 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/03/2025 | 1 | B | A | C | A | B | A | B | A | KS | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304439017 | 32154636 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
12/02/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304439017 | 32154640 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304439017 | 32154759 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | xxxx | xxxx |
02/04/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304439017 | 32159361 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304438836 | 32154622 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438884 | 32155806 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438800 | 32154810 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438951 | 32248519 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438951 | 32254727 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Mortgage Statement(s) not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438951 | 32254728 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | xxxx | xxxx |
12/06/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438958 | 32156396 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438952 | 32246583 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304438952 | 32246625 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304439049 | 32154578 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304439058 | 32155581 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304439058 | 32155666 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
11/25/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304439075 | 32145354 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438829 | 32155382 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438804 | 32159898 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438804 | 32308578 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
12/31/2024 | 1 | A | A | A | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304438873 | 32156127 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438879 | 32247353 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438946 | 32157070 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304438944 | 32248512 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | RI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438975 | 32250360 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304439069 | 32248356 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | NH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438867 | 32160529 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
11/25/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438867 | 32160536 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438867 | 32162616 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
23.04970% DTI | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/19/2024 | 2 | B | B | B | B | B | B | B | B | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304438870 | 32160804 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438926 | 32163141 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304439026 | 32161431 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 304439026 | 32161646 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | xxxx | Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
11 years at current employer. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
01/27/2025 | 2 | C | B | C | B | C | B | C | B | ID | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 304439026 | 32166017 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
11 years at current employer. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/19/2024 | 2 | B | B | B | B | B | B | B | B | ID | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 304439080 | 32161406 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304439080 | 32161587 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304439080 | 32161588 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304439080 | 32161589 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304439087 | 32249848 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Non QM | Non QM | No | ||||||||||||
| 304439087 | 32250031 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Non QM | Non QM | No | |||||||||||
| 304439087 | 32250033 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | 2 | B | B | B | B | B | B | B | B | OH | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Non QM | Non QM | No | ||||||||||||||
| 304439087 | 32250034 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Non QM | Non QM | No | |||||||||||
| 304439044 | 32160503 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304439057 | 32160479 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304439072 | 32255274 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/30/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304439015 | 32161727 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | xxxx | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304439015 | 32161728 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304439039 | 32145503 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304439039 | 32150278 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | xxxx | xxxx |
11/21/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304439062 | 32161110 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438874 | 32161891 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438821 | 32161912 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304438997 | 32255099 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304438997 | 32255161 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304438997 | 32255162 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304438997 | 32255163 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304438997 | 32255164 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304438997 | 32255166 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/03/2025 | 1 | B | A | C | A | B | A | B | A | KS | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304438997 | 32255167 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304439095 | 32415466 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
01/29/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304439095 | 32415518 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304438930 | 32160476 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438930 | 32160502 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | No obvious cure | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304439111 | 32145890 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304439083 | 32258427 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304439083 | 32258486 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |
724 FICO score | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/10/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304439083 | 32258490 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
12/10/2024 | 1 | B | A | C | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304439083 | 32258491 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 49.15804% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |
724 FICO score | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/10/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304439083 | 32258501 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304439086 | 32418212 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438878 | 32255231 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | DE | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304438823 | 32160780 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304438890 | 32255522 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438882 | 32160486 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438817 | 32255615 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438806 | 32164539 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304438806 | 32164548 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | xxxx | xxxx |
12/06/2024 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304438976 | 32255403 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing paystubs, the paystubs received are illegible. | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304438976 | 32255415 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438923 | 32255511 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/27/2024 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304439020 | 32258112 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304439020 | 32258113 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304439020 | 32258116 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304439020 | 32258175 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304439010 | 32165451 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304439053 | 32162069 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/24/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438936 | 32160702 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438966 | 32256206 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304438939 | 32257444 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304438957 | 32161932 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304438799 | 32145931 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304438875 | 32162451 | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. | 2 | B | B | B | B | B | B | B | B | AR | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304438875 | 32163080 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304438875 | 32163087 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
11/29/2024 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304438920 | 32164313 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438920 | 32164357 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
03/20/2025 | 1 | B | A | C | A | B | A | B | A | MD | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304438920 | 32164358 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | xxxx | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304438920 | 32166135 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304438920 | 33091490 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304438940 | 32264786 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438940 | 32264870 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304438940 | 32264871 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304438940 | 32264873 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304438991 | 32164585 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438991 | 32164604 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
11/29/2024 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304438992 | 32162204 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438992 | 32162729 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438992 | 32162730 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx | xxxx |
11/26/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304438992 | 32162749 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | xxxx | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438992 | 32176088 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (Other Debt) | Texas Constitution Section 50(a)(6): TX 50(a)(6) prohibits other debt secured by the homestead unless the purpose of additional debt is one described under TX 50(a)(1)-(5) or (8). Unable to determine purpose of additional debt secured by the homestead. | xxxx |
11/26/2024 | 1 | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304438992 | 32348993 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
12/16/2024 | 1 | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304439061 | 32166492 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304439061 | 32181499 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | Borrower has owned the subject property for at least 5 years. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
Borrower has lived in property for over 8 years. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
11/20/2024 | 2 | B | B | B | B | B | B | B | B | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304438945 | 32258559 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438945 | 32259396 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing 2023 W-2 for co-borrower from xxxx office. | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304438989 | 32257544 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304439006 | 32265389 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304439006 | 32268178 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | xxxx | xxxx |
12/06/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304438831 | 32267135 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438831 | 32267182 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Residential Mortgage Originator and Servicer Licensing Act (Counseling Requirement) | Minnesota Residential Mortgage Originator and Servicer Licensing Act: Refinance of a "special mortgage" without evidence that borrower received counseling on advisability of transaction by an authorized independent loan counselor. | 2 | B | B | B | B | B | B | B | B | MN | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304438895 | 32166549 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304438845 | 32166497 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304439023 | 32166722 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438961 | 32256710 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438984 | 32162776 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304439034 | 32166589 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304439034 | 32338010 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
12/16/2024 | 1 | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304439035 | 32166751 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304439110 | 32259009 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438962 | 32166600 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Non QM | Non QM | No | ||||||||||||
| 304438962 | 32166613 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
756 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
01/13/2025 | 2 | C | B | C | B | C | B | C | B | AZ | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Non QM | Non QM | No | ||||||||
| 304438962 | 32166616 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
01/13/2025 | 1 | B | A | C | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | B | C | B | C | B | Non QM | Non QM | Yes | ||||||||||
| 304438962 | 32166617 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
01/13/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Non QM | Non QM | No | |||||||||||
| 304438962 | 32166618 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 51.01961% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
756 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
01/13/2025 | 2 | C | B | C | B | C | B | C | B | AZ | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Non QM | Non QM | No | ||||||||
| 304438962 | 32629384 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 49.93496% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
756 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
01/13/2025 | 2 | B | B | B | B | AZ | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Non QM | Non QM | No | |||||||||||||
| 304438964 | 32255243 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304439077 | 32255490 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
11/26/2024 | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304439077 | 32255503 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304438802 | 32417422 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/08/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438802 | 32417569 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304438802 | 32417570 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304438802 | 32424313 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304438862 | 32167038 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438864 | 32415064 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438871 | 32167427 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304438871 | 32167488 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | xxxx | xxxx |
11/26/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304438994 | 32257383 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438994 | 32257428 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304438994 | 32257429 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304438994 | 32257430 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) | Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304438955 | 32255953 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304438955 | 32342365 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
12/16/2024 | 1 | A | A | A | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304438972 | 32258109 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304439085 | 32146049 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304439054 | 32152019 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |
728 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/04/2024 | 2 | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304439054 | 32152020 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304439054 | 32152035 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304439054 | 32152036 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
12/04/2024 | 1 | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304439054 | 32152037 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304439054 | 32152038 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
12/04/2024 | 1 | B | A | C | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304439054 | 32152039 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 46.56300% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |
728 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/04/2024 | 2 | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304439054 | 32152040 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
12/04/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304439064 | 32257021 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304439071 | 32269608 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304439071 | 32269660 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304439071 | 32269661 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304439071 | 32269663 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304439071 | 32269770 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
12/06/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304439071 | 32281916 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx |
01/05/2025 | 1 | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304439071 | 32281927 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Compliant Higher Priced Mortgage Loan. | xxxx |
01/05/2025 | 1 | A | A | A | A | A | A | A | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304439071 | 32281929 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
01/02/2025 | 1 | B | A | C | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304419321 | 32167447 | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Error: Appraiser's name not provided. | - | xxxx | xxxx |
12/02/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304419321 | 32167504 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
11/21/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304435349 | 32181306 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | SC | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304420076 | 32168170 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
12/03/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304419533 | 32190610 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
11/26/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304418741 | 32168687 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | xxxx |
12/06/2024 | 1 | A | A | A | A | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304418741 | 32168745 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxx |
12/06/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304442479 | 32235946 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442480 | 32235816 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/16/2024 | 1 | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304443030 | 32235971 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442520 | 32237127 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304442520 | 32443362 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx |
12/18/2024 | 1 | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 304442550 | 32236017 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442550 | 32236029 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
01/02/2025 | 1 | B | A | C | A | B | A | B | A | WA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304442550 | 32546143 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | WA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304442569 | 32350786 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
12/17/2024 | 1 | B | A | C | A | B | A | B | A | ID | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304442569 | 32350787 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 45.48946% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has verified disposable income of at least $2500.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |
741 FICO | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
12/17/2024 | 2 | C | B | C | B | C | B | C | B | ID | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304442569 | 32350810 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442569 | 32350815 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has verified disposable income of at least $2500.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |
741 FICO | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
12/17/2024 | 2 | C | B | C | B | C | B | C | B | ID | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304442569 | 32350816 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304442512 | 32236443 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442575 | 32236964 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/21/2024 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442575 | 32242269 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Card Statement not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304443025 | 32238169 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | SD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442484 | 32236624 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442484 | 32241024 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | xxxx | xxxx |
12/06/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442568 | 32236127 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442581 | 32351437 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442558 | 32236766 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/02/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442558 | 32236858 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/23/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304443031 | 32237856 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304443031 | 32237878 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/02/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442557 | 32239863 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304442534 | 32237863 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442534 | 32238202 | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx% Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MA | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442493 | 32237301 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442592 | 32239691 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/22/2024 | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304442592 | 32239728 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442509 | 32239743 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/02/2025 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304442495 | 32239864 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/28/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304442519 | 32240192 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442502 | 32240131 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304442500 | 32238121 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304442500 | 32238122 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304442500 | 32238123 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304442500 | 32238124 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304442500 | 32238126 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/18/2025 | 1 | B | A | C | A | B | A | B | A | ME | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304442500 | 32238127 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304442500 | 32238128 | Compliance | Compliance | State Compliance | State HPML | Maine Dodd Frank HPML Threshold 2013 Test Compliant | Maine Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%, or subject loan is a high-cost mortgage loan, contains negative amortization, or has an interest-only feature. Compliant Higher Priced Loan. | xxxx |
02/18/2025 | 1 | A | A | A | A | A | A | A | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442500 | 32238129 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maine High-Cost Loan (HOEPA Threshold Tests) | Maine (Regulation Z-3 2013): Mortgage loan is HOEPA high-cost due to failing applicable APR, Points & Fees and/or Prepayment Penalty threshold tests. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304442500 | 32238130 | Compliance | Compliance | State Compliance | State Defect | Maine HRHF Counseling Test | Maine High Rate, High Fee Loan: No evidence borrower received home-ownership counseling. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | See any available cure under the Maine High Rate, High Fee Mortgage Loan threshold exception. | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304442500 | 32238131 | Compliance | Compliance | State Compliance | State Defect | Maine HRHF Federal Points and Fees Threshold Test 2014 | Maine Truth in Lending Act: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304442500 | 32238132 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | State Defect | Maine HRHF HOEPA Compliance Test | Maine (Regulation Z-3 2013): HOEPA loan not compliant. Refer to HOEPA failure stipulations for specific details. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304442500 | 32238188 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442500 | 32453036 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
12/23/2024 | 1 | A | A | A | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304442561 | 32240163 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442572 | 32241705 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | xxxx | xxxx |
12/06/2024 | 1 | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304442547 | 32244506 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304442547 | 32244693 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304442547 | 32244694 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304442547 | 32244695 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304442547 | 32244696 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304442547 | 32244698 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/19/2025 | 1 | B | A | C | A | B | A | B | A | WI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304442547 | 32244699 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304442547 | 32244700 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Wisconsin Covered Loan (Consumer Caution Notice Not Provided) | Wisconsin Covered Loan: Borrower not provided with Consumer Caution Notice. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | See any available cure under Wisconsin Covered Loan threshold exception. | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304442547 | 32244701 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Wisconsin Covered Loan (Points and Fees) | Wisconsin Responsible High-Cost Mortgage Lending Act: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | Within 60 days of discovery, and before any investigation or other enforcement action by the WI Dept of Financial Institutions, provide: (1) Lender Attestation to AMC stating (i) lender acted in good faith while committing the violation; and (ii) there has been no prior investigation or other enforcement action by the WI Dept of Financial Institutions regarding the failure; (2) refund of amount over the covered loan threshold maximum; and (3) proof of delivery. | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304442607 | 32358112 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442607 | 32358298 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
12/16/2024 | 1 | B | A | C | A | B | A | B | A | AL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304442607 | 32424306 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | AL | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304442606 | 32237723 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442606 | 32237783 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
12/04/2024 | 1 | B | A | C | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304442606 | 32308452 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304442477 | 32242975 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/23/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304443026 | 32237915 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/31/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304443033 | 32239979 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/02/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304443033 | 32239982 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442597 | 32237815 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 304442597 | 32243546 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. |
10 plus years in current residence. | SitusAMC,Aggregator SitusAMC |
xxxx |
11/23/2024 | 2 | B | B | B | B | B | B | B | B | AR | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 304442593 | 32239842 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/28/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442599 | 32238658 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/30/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304442602 | 32240985 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304442602 | 32240994 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/02/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442595 | 32242970 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/30/2024 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442595 | 32242971 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Please provide VA Verification of Benefits document | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304443024 | 32239855 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304443024 | 32239884 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304443024 | 32242946 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442538 | 32244717 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||||
| 304442538 | 32247230 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||||
| 304442538 | 32247252 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
12/05/2024 | 1 | B | A | C | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | Non QM | Non QM | Yes | ||||||||||
| 304442538 | 32247263 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304442538 | 32252647 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 60.85360% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304442583 | 32244319 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/30/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442583 | 32244333 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | xxxx | Borrower has worked in the same position for more than 3 years. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. |
Co-borrower has been with current employer for 13 years. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
12/17/2024 | 2 | C | B | C | B | C | B | C | B | WA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304442585 | 32244765 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/28/2024 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442608 | 32246322 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/16/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304442564 | 32244970 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442494 | 32246106 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/03/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442596 | 32244945 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442596 | 32245009 | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. | - | xxxx | xxxx |
01/21/2025 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442596 | 32247850 | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. | xxxx | xxxx |
01/21/2025 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442601 | 32361030 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442601 | 32361070 | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | OK | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442601 | 32361311 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The refinance has decreased the borrower's monthly debt payments by 20% or more. |
Borrower has worked in the same field for 15 years. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/17/2024 | 2 | C | B | C | B | C | B | C | B | OK | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304442601 | 32361380 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442601 | 32361381 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
12/17/2024 | 1 | B | A | B | A | B | A | B | A | OK | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442601 | 32361382 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442601 | 32361383 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
12/17/2024 | 1 | B | A | C | A | B | A | B | A | OK | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304442601 | 32361384 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 45.19163% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The refinance has decreased the borrower's monthly debt payments by 20% or more. |
Borrower has worked in the same field for 15 years. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/17/2024 | 2 | C | B | C | B | C | B | C | B | OK | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304442601 | 32361385 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442589 | 32245022 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442505 | 32240481 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442505 | 32242951 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304442505 | 32242954 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
748 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/23/2024 | 2 | B | B | B | B | B | B | B | B | CT | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304442566 | 32240263 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/24/2024 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442556 | 32245171 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304443027 | 32244799 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304442577 | 32244983 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/20/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442577 | 32245084 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | xxxx | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442559 | 32245124 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442591 | 32238560 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/27/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442591 | 32238575 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/02/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304443032 | 32239942 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/24/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304443032 | 32239989 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442563 | 32244994 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442717 | 32269604 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442697 | 32278215 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304442851 | 32269459 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/30/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442851 | 32269494 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304442851 | 32269495 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304442851 | 32269496 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304442821 | 32269878 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442831 | 32269497 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304442858 | 32269827 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442681 | 32270195 | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | OK | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442681 | 32270210 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442838 | 32269644 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/23/2024 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442838 | 32269669 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442838 | 32269940 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442838 | 32269941 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442838 | 32269942 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304442838 | 32269943 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442838 | 32269945 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/18/2025 | 1 | B | A | C | A | B | A | B | A | ME | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304442838 | 32269946 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442838 | 32269948 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maine High-Cost Loan (HOEPA Threshold Tests) | Maine (Regulation Z-3 2013): Mortgage loan is HOEPA high-cost due to failing applicable APR, Points & Fees and/or Prepayment Penalty threshold tests. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442838 | 32269949 | Compliance | Compliance | State Compliance | State Defect | Maine HRHF 2014 Points and Fees Threshold Testing | Maine Truth in Lending Act: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442838 | 32269950 | Compliance | Compliance | State Compliance | State Defect | Maine HRHF Counseling Test | Maine High Rate, High Fee Loan: No evidence borrower received home-ownership counseling. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | See any available cure under the Maine High Rate, High Fee Mortgage Loan threshold exception. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304442838 | 32269951 | Compliance | Compliance | State Compliance | State Defect | Maine HRHF Federal Points and Fees Threshold Test 2014 | Maine Truth in Lending Act: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442838 | 32269952 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | State Defect | Maine HRHF HOEPA Compliance Test | Maine (Regulation Z-3 2013): HOEPA loan not compliant. Refer to HOEPA failure stipulations for specific details. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442778 | 32415223 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442778 | 32415296 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304442778 | 32415297 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304442778 | 32415299 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |
01/07/2025 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304442864 | 32270402 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/20/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304442768 | 32272163 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442768 | 32272170 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/03/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442775 | 32272636 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304442775 | 32272720 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304442720 | 32272472 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442720 | 32272587 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304442720 | 32272588 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304442720 | 32272589 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304442801 | 32274462 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442763 | 32271192 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304442870 | 32274455 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304442825 | 32272526 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304442849 | 32272863 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442796 | 32278181 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442796 | 32278296 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing documentation verifying VA Disability income used to qualify. | xxxx |
12/13/2024 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442856 | 32259389 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442856 | 32259457 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442856 | 32283397 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | xxxx | xxxx |
12/14/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442893 | 32265122 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442893 | 32265169 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxx | xxxx |
01/24/2025 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442758 | 32270914 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442758 | 32270922 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx | 2 | B | B | B | B | B | B | B | B | UT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 304442862 | 32256086 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442847 | 32271846 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442711 | 32271138 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442711 | 32274878 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Missing 2023 W-2 for borrowers employer xxxx. | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442753 | 32274696 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304442771 | 32271411 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442740 | 32272231 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442779 | 32273136 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442779 | 32277229 | Credit | Credit | Public Records | Credit | Public Records/Collections/Charge Off does not meet guidelines. | xxxx | xxxx |
12/28/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442833 | 32264792 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304442769 | 32259152 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/11/2024 | 1 | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442723 | 32279332 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442723 | 32279421 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304442723 | 32279422 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442714 | 32259016 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | NM | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304442860 | 32259224 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442866 | 32255761 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304442887 | 32279235 | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. | 2 | B | B | B | B | B | B | B | B | AR | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304442887 | 32279486 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442823 | 32274676 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442799 | 32273719 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442812 | 32419418 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/04/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304442812 | 32419419 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/04/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304442812 | 32419420 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |
02/04/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Non QM | Non QM | Yes | |||||||||||
| 304442812 | 32419421 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/04/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304442812 | 32419427 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||||
| 304442859 | 32270093 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304442859 | 32285048 | Credit | Credit | Miscellaneous | Credit | Missing Document: Credit Letter of Explanation (LOE) not provided | xxxx | xxxx |
12/06/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304442867 | 32259554 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/27/2024 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304442890 | 32289698 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442739 | 32278829 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | DE | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442752 | 32278841 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | GA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304442752 | 32278843 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442752 | 32278956 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442752 | 32278957 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442699 | 32279048 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304442704 | 32257826 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304442834 | 32256979 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442905 | 32545265 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/11/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442736 | 32282533 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442690 | 32283445 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304442751 | 32279355 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442751 | 32279424 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442751 | 32279425 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
02/03/2025 | 1 | B | A | B | A | B | A | B | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442751 | 32279426 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442751 | 32279427 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442751 | 32279428 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442751 | 32279429 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442751 | 32279431 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304442751 | 32279432 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442751 | 32279434 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/03/2025 | 1 | B | A | C | A | B | A | B | A | WI | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304442751 | 32279435 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442751 | 32279436 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Wisconsin Covered Loan (Consumer Caution Notice Not Provided) | Wisconsin Covered Loan: Borrower not provided with Consumer Caution Notice. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | See any available cure under Wisconsin Covered Loan threshold exception. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304442751 | 32279437 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Wisconsin Covered Loan (Points and Fees) | Wisconsin Responsible High-Cost Mortgage Lending Act: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | Within 60 days of discovery, and before any investigation or other enforcement action by the WI Dept of Financial Institutions, provide: (1) Lender Attestation to AMC stating (i) lender acted in good faith while committing the violation; and (ii) there has been no prior investigation or other enforcement action by the WI Dept of Financial Institutions regarding the failure; (2) refund of amount over the covered loan threshold maximum; and (3) proof of delivery. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304442726 | 32280261 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442818 | 32280439 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442818 | 32280464 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442757 | 32279414 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/27/2024 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442841 | 32280205 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442872 | 32280826 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442703 | 32279535 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442703 | 32279536 | Credit | Insurance | Insurance Documentation | Insurance | Missing Document: Flood Insurance Policy not provided | xxxx | xxxx |
12/06/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442703 | 32279627 | Credit | Insurance | Insurance Documentation | Insurance | Flood Insurance Error: Insurance premium was not provided. | xxxx | xxxx |
12/06/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442703 | 32279636 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
Borrower has lived in subject for 7 years. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
12/12/2024 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304442816 | 32257570 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/02/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442816 | 32290419 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | KS | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304442793 | 32281912 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304442718 | 32283507 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442857 | 32257443 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442857 | 32257460 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/24/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442891 | 32281898 | Compliance | Compliance | Federal Compliance | ATR/QM | Self-Employed Tax Return Recency - ATR | Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date xx/xx/xxxx, Most Recent Tax Return End Date xx/xx/xxxx, Tax Return Due Date xx/xx/xxxx. | xxxx | 2 | B | B | B | B | B | B | B | B | NJ | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | Non QM | Non QM | No | |||||||||||||
| 304442891 | 32281956 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | Non QM | Non QM | No | ||||||||||||
| 304442891 | 32281958 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | Non QM | Non QM | No | |||||||||||
| 304442891 | 32291598 | Credit | Credit | Credit Eligibility | Credit | Guideline Issue: Foreclosure timeline outside of credit guidelines | xxxx | Borrower has worked in the same position for more than 3 years. Borrower has been employed in the same industry for more than 5 years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
Borrower has been with current employer for 10 years. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
12/24/2024 | 2 | C | B | C | B | C | B | C | B | NJ | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | Non QM | Non QM | No | |||||||||
| 304442891 | 32291599 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | Non QM | Non QM | No | ||||||||||||
| 304442809 | 32280065 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442809 | 32280152 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
01/27/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304442809 | 32280154 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx | xxxx |
01/27/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304442746 | 32275352 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442693 | 32256752 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442745 | 32281258 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304442724 | 32257755 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442724 | 32257839 | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx% Compliant Higher Priced Loan. | xxxx | 2 | B | B | B | B | B | B | B | B | MA | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442724 | 32275157 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304442687 | 32259343 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442698 | 32265565 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442698 | 32266143 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
01/27/2025 | 1 | B | A | C | A | B | A | B | A | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304442698 | 32716870 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304442781 | 32257853 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442875 | 32256869 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442824 | 32266247 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304442824 | 32266249 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/03/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442824 | 32276685 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | xxxx | xxxx |
01/24/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304442874 | 32266150 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/03/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304442700 | 32266305 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304442773 | 32281535 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304436452 | 32233132 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | xxxx | 2 | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304398747 | 32238312 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The refinance has decreased the borrower's monthly debt payments by 20% or more. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
11/27/2024 | 2 | B | B | B | B | B | B | B | B | NC | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304398747 | 32238363 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
11/27/2024 | 1 | B | A | C | A | B | A | B | A | NC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | B | B | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304398747 | 32275455 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | NC | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304420711 | 32241434 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
12/06/2024 | 1 | B | A | C | A | B | A | B | A | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304420711 | 32322267 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | MO | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304420754 | 32266597 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304415942 | 32252481 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VA Verification of Benefits document not provided for borrower. | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | IA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304436566 | 32271020 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/03/2024 | 2 | C | B | C | B | C | B | C | B | NC | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304433058 | 32279138 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
12/03/2024 | 1 | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304422415 | 32279301 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Security Instrument is not on a FNMA/FHLMC form and does not contain the following clauses: | ___ | 2 | B | B | B | B | B | B | B | B | UT | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304425600 | 32280364 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | AZ | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | N/A | No | ||||||||||||||
| 304425600 | 32280440 | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. | - | xxxx | xxxx |
12/20/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | N/A | No | |||||||||||
| 304425600 | 32280441 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |
751 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/20/2024 | 2 | C | B | C | B | C | B | C | B | AZ | Investment | Refinance - Cash-out - Other | C | B | C | B | A | A | N/A | N/A | No | ||||||||
| 304420852 | 32280655 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304423571 | 32284201 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304422564 | 32286462 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | xxxx | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304422564 | 32443368 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has verified disposable income of at least $2500.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC |
xxxx |
12/18/2024 | 2 | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304437361 | 32291791 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Required Property Inspection Report is missing | xxxx |
12/05/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304427457 | 32287795 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003 Error: Birth Date was not provided | - | xxxx | 2 | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304432237 | 32278693 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
12/06/2024 | 1 | B | A | C | A | B | A | B | A | AL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304432237 | 32324256 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | AL | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304425054 | 32308234 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304435350 | 32289351 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | 2 | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304432638 | 32289401 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | xxxx | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304420729 | 32292145 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
12/06/2024 | 1 | B | A | C | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304420729 | 32324287 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | AZ | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304457567 | 32300433 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/04/2024 | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304457501 | 32329934 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457504 | 32334845 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457504 | 32334856 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457504 | 32334857 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457504 | 32334858 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457504 | 32334859 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304457504 | 32334860 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457504 | 32334862 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/19/2025 | 1 | B | A | C | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304457504 | 32334863 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457504 | 32334868 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
02/19/2025 | 1 | B | A | B | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457504 | 32334869 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457504 | 32334878 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/23/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457605 | 32294384 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/30/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457651 | 32292778 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/24/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||||
| 304457651 | 32294886 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx |
12/14/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | Non QM | Non QM | Yes | |||||||||||
| 304457663 | 32334427 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457663 | 32334464 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457666 | 32294516 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304457666 | 32294519 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx | xxxx |
01/07/2025 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304457666 | 32294554 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457666 | 32295160 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304457725 | 32299059 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457832 | 32293006 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457691 | 32568430 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | B | B | B | B | B | B | B | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | B | B | Non QM | Non QM | Yes | |||||||||||||
| 304457691 | 32568449 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| 304457703 | 32292541 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/24/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304457715 | 32330131 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457715 | 32496363 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
01/07/2025 | 1 | A | A | A | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304457721 | 32331848 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304457848 | 32309131 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/20/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457848 | 32455824 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
02/11/2025 | 1 | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304457864 | 32568527 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/11/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 304457864 | 32623058 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
01/30/2025 | 2 | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||||
| 304457486 | 32332314 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/23/2024 | 1 | C | A | C | A | C | A | C | A | WV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457487 | 32340940 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/10/2024 | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304457487 | 32340941 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/27/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457507 | 32332902 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Property not inspected post FEMA declared disaster, but property is not located near the declared disaster area. Borrower has verified disposable income of at least $2500.00. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
Compliant Higher Priced Mortgage Loan. | Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
12/09/2024 | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304457507 | 32332959 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/28/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457647 | 32294443 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Non QM | Non QM | No | |||||||||||||
| 304457647 | 32294843 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
01/13/2025 | 2 | C | B | C | B | C | B | C | B | UT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | Non QM | Non QM | Yes | ||||||||||
| 304457615 | 32568445 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/11/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304457685 | 32309357 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304457809 | 32293341 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/03/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457674 | 32309550 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/20/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457837 | 32293679 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457708 | 32309667 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457812 | 32569445 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/11/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304457821 | 32309368 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
01/15/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457821 | 32309389 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457821 | 32309412 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457821 | 32317304 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304457824 | 32293764 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/03/2025 | 1 | C | A | C | A | C | A | C | A | DC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457824 | 32297953 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | xxxx | xxxx |
01/10/2025 | 1 | C | A | C | A | C | A | C | A | DC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457706 | 32309639 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457580 | 32332833 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/20/2024 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457570 | 32293540 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/28/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304457570 | 32507679 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
01/03/2025 | 1 | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 304457624 | 32311678 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/20/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457624 | 32312037 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457624 | 32312038 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
02/18/2025 | 1 | B | A | B | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457624 | 32312039 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457624 | 32312040 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457624 | 32312041 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457624 | 32312042 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457624 | 32312043 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304457624 | 32312044 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457624 | 32312046 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457624 | 32312047 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/18/2025 | 1 | B | A | C | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304457601 | 32293695 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/20/2024 | 1 | C | A | C | A | C | A | C | A | RI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457601 | 32294438 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | xxxx | xxxx |
12/15/2024 | 1 | C | A | C | A | C | A | C | A | RI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457668 | 32363104 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/23/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457668 | 32363186 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304457668 | 32363187 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304457662 | 32293521 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/03/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304457609 | 32310643 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304457705 | 32313117 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/28/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457705 | 32313297 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457705 | 32313298 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457705 | 32313299 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457705 | 32313300 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304457705 | 32313301 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457705 | 32313303 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457705 | 32313305 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/19/2025 | 1 | B | A | C | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304457723 | 32294572 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/30/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457747 | 32313910 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457747 | 32313926 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457749 | 32568591 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/11/2025 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457755 | 32293460 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/20/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457555 | 32313483 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304457555 | 32466152 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
02/07/2025 | 1 | A | A | A | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 304457481 | 32297437 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/28/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457589 | 32294497 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304457689 | 32293314 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/27/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457816 | 32333669 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457682 | 32293649 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/27/2024 | 1 | C | A | C | A | C | A | C | A | WV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457762 | 32293334 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304457790 | 32293660 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457523 | 32296014 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/20/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457523 | 32300569 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | 2 | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457523 | 32455714 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
12/30/2024 | 1 | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304457549 | 32294544 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457592 | 32296306 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/24/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457592 | 32296342 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
01/27/2025 | 1 | B | A | C | A | B | A | B | A | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304457592 | 32716954 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304457556 | 32295223 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457510 | 32321446 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457510 | 32321503 | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx% Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MA | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457655 | 32341015 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/03/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457655 | 32341021 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/16/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457614 | 32295181 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/04/2024 | 2 | B | B | B | B | B | B | B | B | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 304457614 | 32295207 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/23/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| 304457614 | 32295226 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
12/13/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 304457730 | 32294881 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/27/2024 | 1 | C | A | C | A | C | A | C | A | WV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457744 | 32318081 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457822 | 32318089 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457822 | 32318255 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304457822 | 32318256 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304457822 | 32325738 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
01/02/2025 | 1 | B | A | C | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304457822 | 32325739 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304457822 | 32546148 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304457839 | 32294267 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
01/13/2025 | 2 | C | B | C | B | C | B | C | B | CO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304457839 | 32294268 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | B | B | B | B | B | B | B | CO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| 304457839 | 32294275 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/27/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457564 | 32293654 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
12/13/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 304457564 | 32293664 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/24/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304457489 | 32341111 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457563 | 32318890 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/02/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457709 | 32293863 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304457617 | 32293430 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/02/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457696 | 32342128 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/30/2024 | 1 | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457850 | 32293994 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/24/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457850 | 32294013 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | xxxx | xxxx |
12/21/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304457836 | 32319213 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457819 | 32318978 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/03/2025 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457819 | 32323070 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | Borrower has owned the subject property for at least 5 years. | Borrower has lived in the subject property for 9 years. | SitusAMC,Aggregator | xxxx |
12/21/2024 | 2 | C | B | C | B | C | B | C | B | CO | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304457819 | 32323087 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
12/21/2024 | 1 | B | A | C | A | B | A | B | A | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304457819 | 32323088 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 49.30114% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | Borrower has owned the subject property for at least 5 years. | Borrower has lived in the subject property for 9 years. | SitusAMC,Aggregator | xxxx |
12/21/2024 | 2 | C | B | C | B | C | B | C | B | CO | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304457819 | 32323089 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
12/21/2024 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304457547 | 32299244 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/30/2024 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457573 | 32568858 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/11/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457528 | 32320962 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/27/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457528 | 32323617 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | xxxx | xxxx |
12/21/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457619 | 32340916 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457619 | 32341229 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Maryland Covered Loan (Counseling Disclosure Not Provided) | Maryland Covered Loan: Home Counseling Disclosure to provide home buyer education was not provided to borrower. | xxxx | xxxx |
02/04/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457619 | 32341230 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Maryland Covered Loan (Counseling Agencies Not Provided) | Maryland Covered Loan: Home Counseling a list of county approved agencies to provide home buyer education was not provided to borrower. | xxxx | xxxx |
02/04/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457619 | 32341231 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | xxxx | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457619 | 32341232 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304457619 | 32341233 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/04/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304457699 | 32298466 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/02/2025 | 1 | C | A | C | A | C | A | C | A | MN | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457704 | 32343780 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/20/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304457728 | 32334102 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304457750 | 32319775 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | DE | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304457760 | 32321371 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304457760 | 32321449 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304457840 | 32334386 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | WV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457846 | 32298517 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/30/2024 | 1 | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457741 | 32301779 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457741 | 32301961 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/09/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457543 | 32340865 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304457539 | 32323169 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/30/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457539 | 32323186 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/06/2024 | 2 | B | B | B | B | B | B | B | B | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304457586 | 32323757 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457586 | 32323758 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx | xxxx |
01/07/2025 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304457586 | 32323760 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457527 | 32299812 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457541 | 32300486 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304457541 | 32300512 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
01/02/2025 | 1 | B | A | C | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304457541 | 32546198 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304457575 | 32298182 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457645 | 32301716 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/30/2024 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457608 | 32343829 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457752 | 32304408 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457752 | 32304453 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304457756 | 32298962 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457785 | 32302265 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Maryland Covered Loan (Counseling Disclosure Not Provided) | Maryland Covered Loan: Home Counseling Disclosure to provide home buyer education was not provided to borrower. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457785 | 32302266 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304457785 | 32302267 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304457785 | 32302268 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304457785 | 32302286 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/27/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457796 | 32319468 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457802 | 32317829 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304457802 | 32318083 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304457513 | 32341468 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/28/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457536 | 32299752 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457545 | 32569323 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/11/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457551 | 32300812 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457631 | 32343802 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457631 | 32344033 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
01/27/2025 | 1 | B | A | C | A | B | A | B | A | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304457631 | 32716979 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304457676 | 32321645 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304457676 | 32321646 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304457676 | 32321648 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx | xxxx |
01/02/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304457676 | 32322787 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304457759 | 32568615 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/11/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457759 | 32568652 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304457759 | 32568653 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457621 | 32343032 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/11/2024 | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||
| 304457621 | 32343079 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/30/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| 304457838 | 32311821 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Maryland Covered Loan (Counseling Disclosure Not Provided) | Maryland Covered Loan: Home Counseling Disclosure to provide home buyer education was not provided to borrower. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304457838 | 32311822 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Maryland Covered Loan (Counseling Agencies Not Provided) | Maryland Covered Loan: Home Counseling a list of county approved agencies to provide home buyer education was not provided to borrower. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304457838 | 32311823 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | No obvious cure | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304457838 | 32311847 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457852 | 32306413 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/27/2024 | 1 | C | A | C | A | C | A | C | A | NH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457855 | 32299137 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304457842 | 32302170 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457558 | 32568765 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/11/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304457497 | 32363898 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457583 | 32313781 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/03/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304457496 | 32323521 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/03/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457496 | 32323581 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457496 | 32323582 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
02/19/2025 | 1 | B | A | B | A | B | A | B | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457496 | 32323583 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457496 | 32323584 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457496 | 32323585 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457496 | 32323586 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457496 | 32323587 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457496 | 32323588 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304457496 | 32323589 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457496 | 32323591 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/18/2025 | 1 | B | A | C | A | B | A | B | A | IL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304457496 | 32323592 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457496 | 32323593 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Illinois High Risk Home Loan (Consumer Caution Notice Not Provided) | Illinois High Risk Home Loan: Borrower not provided with Consumer Caution Notice. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | See any available cure under Illinois High-Risk threshold exception. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304457496 | 32323594 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) Illinois High Risk Home Loan (Impermissible Financing of Points and Fees) | Illinois High Risk Home Loan: Lender financed points and fees not permissible. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | See any available cure under Illinois High-Risk threshold exception. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304457496 | 32323595 | Compliance | Compliance | State Compliance | State Late Charge | (State High Cost Provision) Illinois High Risk Home Loan (Late Charge) | Illinois High Risk Home Loan: Mortgage loan contains an impermissible late charge greater than 4%. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | See any available cure under Illinois High-Risk threshold exception. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304457496 | 32323597 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Illinois High Risk Home Loan (Mortgage Awareness Program ("MAP") Not Provided) | Illinois High Risk Home Loan: Borrower not notified of right to participate in Mortgage Awareness Program ("MAP"). | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | See any available cure under Illinois High-Risk threshold exception. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304457496 | 32323598 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Illinois High Risk Home Loan (Points and Fees) | Illinois High Risk Home Loan Act: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | Within 30 days of closing, provide: (1) Lender Attestation to AMC attesting the lender has not received any notice from borrower of the failure; (2) Letter of Explanation; (3) refund of amount over the high-risk threshold maximum; and (4) proof of mailing (must be in transit with courier). (Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the high-risk threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. |
C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304457502 | 32318509 | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. | xxxx | 2 | B | B | B | B | B | B | B | B | AR | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304457502 | 32318542 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457652 | 32301711 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/03/2025 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457657 | 32362989 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457681 | 32302130 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/24/2024 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457681 | 32302378 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457681 | 32302379 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |
12/17/2024 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457681 | 32302380 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457681 | 32302381 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457681 | 32302382 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457681 | 32302383 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457681 | 32302384 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304457681 | 32302385 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457681 | 32302387 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457681 | 32302391 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/03/2025 | 1 | B | A | C | A | B | A | B | A | AR | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304457692 | 32330859 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304457724 | 32330411 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/16/2024 | 1 | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304457743 | 32330296 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/20/2024 | 1 | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457751 | 32332301 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457742 | 32300741 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304457768 | 32343188 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/28/2024 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457768 | 32507292 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
01/19/2025 | 1 | A | A | A | A | IL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304457768 | 32669374 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | Borrower has owned the subject property for at least 5 years. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
Borrower has lived in subject for 8 years. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
01/27/2025 | 2 | B | B | B | B | IL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457768 | 32669375 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
01/27/2025 | 1 | A | A | A | A | IL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | A | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||||||
| 304457768 | 32669376 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 47.07597% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | Borrower has owned the subject property for at least 5 years. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
Borrower has lived in subject for 8 years. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
01/27/2025 | 2 | B | B | B | B | IL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457768 | 32669377 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
01/27/2025 | 1 | A | A | A | A | IL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304457772 | 32311789 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/27/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457772 | 32499187 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
01/03/2025 | 1 | A | A | A | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304457849 | 32341834 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/03/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304457540 | 32312061 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. | xxxx | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457540 | 32312065 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/24/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457579 | 32341264 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457579 | 32341314 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
01/02/2025 | 1 | B | A | C | A | B | A | B | A | MT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304457579 | 32490638 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
01/03/2025 | 1 | A | A | A | A | MT | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304457579 | 32546199 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | MT | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304457495 | 32341681 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/27/2024 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457526 | 32306329 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/01/2025 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457607 | 32301095 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/27/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457581 | 32301415 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | xxxx | xxxx |
12/21/2024 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304457581 | 32301453 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/21/2024 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304457581 | 32465379 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
12/30/2024 | 1 | A | A | A | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 304457603 | 32352073 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457687 | 32299818 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/20/2024 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457702 | 32342100 | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. | 2 | B | B | B | B | B | B | B | B | AR | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304457702 | 32349892 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/02/2025 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457702 | 32349914 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457702 | 32349915 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457702 | 32349916 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457702 | 32349917 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | B | C | B | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304457702 | 32349918 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457702 | 32349920 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
05/08/2025 | 1 | B | A | C | A | B | A | B | A | AR | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304457702 | 32349921 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457702 | 32368411 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |
Borrower has a good credit history | SitusAMC,Aggregator SitusAMC |
xxxx |
12/12/2024 | 2 | B | B | B | B | B | B | B | B | AR | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304457702 | 33431852 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | AR | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304457775 | 32302402 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Non QM | Non QM | No | ||||||||||||
| 304457775 | 32302436 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | xxxx | Borrower has owned the subject property for at least 5 years. Borrower has worked in the same position for more than 3 years. |
Borrower has lived in subject for 5 years. | SitusAMC,Aggregator SitusAMC |
xxxx |
12/12/2024 | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Non QM | Non QM | No | ||||||||
| 304457775 | 32302492 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Non QM | Non QM | No | ||||||||||||||
| 304457775 | 32302493 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Non QM | Non QM | No | ||||||||||||||
| 304457775 | 32302494 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | B | C | B | Non QM | Non QM | No | |||||||||||
| 304457726 | 32301751 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/28/2024 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457757 | 32351445 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/27/2024 | 1 | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304457485 | 32350292 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457542 | 32320634 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457533 | 32319229 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457533 | 32319289 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457533 | 32319290 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457533 | 32319291 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457533 | 32319292 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304457533 | 32319293 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457533 | 32319294 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457533 | 32319295 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/19/2025 | 1 | B | A | C | A | B | A | B | A | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304457533 | 32496230 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
01/03/2025 | 1 | A | A | A | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304457479 | 32351492 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/30/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457518 | 32353402 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457492 | 32350843 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/29/2024 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457626 | 32351366 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/24/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457635 | 32302315 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304457635 | 32369118 | Credit | Credit | Public Records | Credit | Public Records/Collections/Charge Off does not meet guidelines. | xxxx | Borrower has owned the subject property for at least 5 years. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |
Borrower has lived in subject for 16 years. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
01/02/2025 | 2 | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304457584 | 32305742 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/22/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304457584 | 32369231 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457584 | 32369232 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx | xxxx |
02/19/2025 | 1 | B | A | B | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457584 | 32369233 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457584 | 32369234 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457584 | 32369235 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457584 | 32369236 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457584 | 32369237 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304457584 | 32369238 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457584 | 32369239 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/19/2025 | 1 | B | A | C | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304457584 | 32369240 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304457613 | 32300891 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/27/2024 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304457633 | 32302321 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/03/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304457825 | 32302838 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/28/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304417841 | 32322376 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has worked in the same position for more than 3 years. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. |
Client acknowledged exception to their purchase criteria as the valuation did not document any agricultural activities. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
12/06/2024 | 2 | B | B | B | B | B | B | B | B | HI | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304425885 | 32295193 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304425885 | 32295194 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304425885 | 32295195 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (Other Debt) | Texas Constitution Section 50(a)(6): TX 50(a)(6) prohibits other debt secured by the homestead unless the purpose of additional debt is one described under TX 50(a)(1)-(5) or (8). Unable to determine purpose of additional debt secured by the homestead. | xxxx |
01/03/2025 | 1 | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304439611 | 32298854 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. Property inspected post disaster but pre-FEMA declaration of disaster end date. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator |
xxxx |
12/05/2024 | 2 | B | B | B | B | B | B | B | B | FL | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304431550 | 32325192 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note - Senior Lien not provided | xxxx | xxxx |
12/09/2024 | 1 | D | A | D | A | D | A | D | A | MD | Primary | Refinance - Cash-out - Other | D | A | D | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304429045 | 32300078 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx |
12/10/2024 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304429015 | 32311513 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304429015 | 32311529 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
12/09/2024 | 1 | B | A | C | A | B | A | B | A | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304429015 | 32340031 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | MO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304441641 | 32315381 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/16/2024 | 2 | C | B | C | B | C | B | C | B | NC | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304441641 | 32315417 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
02/13/2025 | 2 | C | B | C | B | C | B | C | B | NC | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304436537 | 32300065 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
12/12/2024 | 1 | B | A | C | A | B | A | B | A | WA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304436537 | 32300071 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304436537 | 32300083 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304436537 | 32304412 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 53.44150% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | xxxx |
12/12/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304436536 | 32333407 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304436612 | 32338211 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The refinance has decreased the borrower's monthly debt payments by 20% or more. Property inspected post disaster but pre-FEMA declaration of disaster end date. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC Aggregator |
xxxx |
12/12/2024 | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304437876 | 32338013 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | xxxx | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304437876 | 32338051 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
01/09/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304437876 | 32338052 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx | xxxx |
01/09/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304420722 | 32337962 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx | xxxx |
12/18/2024 | 1 | B | A | C | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | Yes | ||||||||||
| 304420722 | 32337963 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | No | |||||||||||
| 304420722 | 32440511 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx | 2 | A | B | B | A | AZ | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | No | |||||||||||||||||
| 304437713 | 32343444 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | OR | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304422683 | 32348346 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304422683 | 32348347 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304422683 | 32348348 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx | xxxx |
01/10/2025 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304422683 | 32348349 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
12/18/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304436575 | 32353404 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304432863 | 32427485 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx | 2 | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 304466658 | 32352922 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304466729 | 32351873 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/04/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304466729 | 32351932 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |
01/02/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466729 | 32351933 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
01/02/2025 | 1 | B | A | B | A | B | A | B | A | SC | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466729 | 32351934 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx | xxxx |
01/02/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304466729 | 32351936 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
01/02/2025 | 1 | B | A | C | A | B | A | B | A | SC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304466729 | 32351937 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 48.30901% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
741 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
01/02/2025 | 2 | C | B | C | B | C | B | C | B | SC | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304466729 | 32351946 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
741 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
01/02/2025 | 2 | C | B | C | B | C | B | C | B | SC | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304466729 | 32351951 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
01/02/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304466698 | 32569256 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/11/2025 | 1 | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| 304466698 | 32569274 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | xxxx | Borrower has owned the subject property for at least 5 years. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
Borrower has lived in the subject for 6 years. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
01/27/2025 | 2 | C | B | C | B | C | B | C | B | KY | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 304466669 | 32350373 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/27/2024 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304466669 | 32350400 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The refinance has decreased the borrower's monthly debt payments by 20% or more. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/13/2024 | 2 | B | B | B | B | B | B | B | B | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304466668 | 32350467 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/16/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466668 | 32350570 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304466668 | 32350571 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304466668 | 32350573 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx | xxxx |
01/07/2025 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304466668 | 32353661 | Credit | Guideline | Guideline Issue | Guideline | Subordinate liens are not permitted. | Program: ___ | xxxx | Borrower has worked in the same position for more than 3 years. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. |
Borrower has been with current employer for 16 years. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
01/13/2025 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304466617 | 32350149 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
12/24/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304466587 | 32568910 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/11/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304466587 | 32568952 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | xxxx | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304466587 | 32568953 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304466587 | 32623040 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
01/15/2025 | 1 | A | A | A | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304466652 | 32350420 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | WV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466720 | 32350535 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/04/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466709 | 32363161 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/04/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304466709 | 32363300 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
12/26/2024 | 1 | B | A | C | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304466709 | 32363301 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 46.58180% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | Borrower has worked in the same position for more than 3 years. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. |
Borrower has been with current employer for 13 years. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
12/26/2024 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304466709 | 32363302 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304466709 | 32363303 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304466709 | 32363305 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |
01/07/2025 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| 304466709 | 32363309 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | Borrower has worked in the same position for more than 3 years. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. |
Borrower has been with current employer for 13 years. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
12/26/2024 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304466709 | 32363315 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304466632 | 32569020 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/11/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304466631 | 32362882 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/04/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466661 | 32350200 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/04/2025 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304466661 | 32350277 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304466661 | 32350278 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx | xxxx |
02/19/2025 | 1 | B | A | B | A | B | A | B | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304466661 | 32350279 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304466661 | 32350281 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304466661 | 32350282 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304466661 | 32350283 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304466661 | 32350284 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304466661 | 32350285 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304466661 | 32350287 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/19/2025 | 1 | B | A | C | A | B | A | B | A | NE | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304466661 | 32350288 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466730 | 32365002 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/04/2025 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304466710 | 32363661 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304466693 | 32363149 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/13/2024 | 2 | B | B | B | B | B | B | B | B | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304466693 | 32363165 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/04/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304466615 | 32365268 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/04/2025 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304466700 | 32362993 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/04/2025 | 1 | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304466665 | 32364875 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304466665 | 32364876 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304466665 | 32413034 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) | Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304466626 | 32363175 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/04/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304466613 | 32368316 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/04/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304466613 | 32368333 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VA Verification of Benefits document not provided. | xxxx |
12/24/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304466613 | 32368404 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304466613 | 32368405 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304466613 | 32368406 | Compliance | Compliance | State Compliance | Misc. State Level | Maryland Mortgage Lending Regulations (Disclosure of Taxes and Insurance Not Provided) | Maryland Mortgage Lending Regulations: Borrower did not receive disclosure on responsibility for payment of taxes and insurance. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304466613 | 32413070 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Maryland Covered Loan (Counseling Disclosure Not Provided) | Maryland Covered Loan: Home Counseling Disclosure to provide home buyer education was not provided to borrower. | xxxx |
02/04/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466613 | 32413071 | Compliance | Compliance | State Compliance | State Defect | (State High Cost Disclosure) Maryland Covered Loan (Counseling Agencies Not Provided) | Maryland Covered Loan: Home Counseling a list of county approved agencies to provide home buyer education was not provided to borrower. | xxxx |
02/04/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466613 | 32413072 | Compliance | Compliance | State Compliance | State Defect | (State High Cost) Maryland Covered Loan (Points and Fees) | Maryland Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |
02/04/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304466588 | 32368662 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/04/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466727 | 32362383 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466727 | 32362392 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466718 | 32366749 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/04/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304466718 | 32366768 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | xxxx | xxxx |
12/24/2024 | 1 | B | A | B | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304466706 | 32368216 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/04/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304466706 | 32368264 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
12/24/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304466706 | 32368283 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/17/2025 | 1 | B | A | C | A | B | A | B | A | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304466706 | 32368284 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $xxxx (2024). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2024) (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304466697 | 32366608 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/04/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304466697 | 32366630 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | VA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304466659 | 32363779 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/04/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304466598 | 32413174 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Good credit, employment history and low CLTV | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/13/2024 | 2 | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304466598 | 32414434 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/04/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304466606 | 32366713 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
12/28/2024 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304466702 | 32370540 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/04/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466702 | 32370562 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has verified disposable income of at least $2500.00. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC |
xxxx |
12/13/2024 | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304466670 | 32370325 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/04/2025 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466603 | 32371864 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466603 | 32422215 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466603 | 32422216 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
02/18/2025 | 1 | B | A | B | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466603 | 32422217 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466603 | 32422218 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466603 | 32422219 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466603 | 32422220 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466603 | 32422221 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466603 | 32422222 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| 304466603 | 32422223 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |
02/17/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466603 | 32422224 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466603 | 32422228 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/18/2025 | 1 | B | A | C | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304466713 | 32373020 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304466699 | 32371381 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304466699 | 32371471 | Compliance | Compliance | City / Local Compliance | State Defect | (City High Cost) xxxx Threshold Loan (Points and Fees) | City of xxxx Anti-Predatory Lending Ordinance: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the City Total Loan Amount. Points and Fees total $xxxx on a City Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | 2 | B | B | B | B | B | B | B | B | IL | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304466699 | 32371472 | Compliance | Compliance | County Compliance | State Defect | (County High Cost) xxxx County Threshold Loan (Points and Fees) | xxxx County Predatory Lending Ordinance: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the County Total Loan Amount. Points and Fees total $xxxx on a County Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Compliant High Cost Loan. | 2 | B | B | B | B | B | B | B | B | IL | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304466686 | 32569122 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/11/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304466686 | 32569139 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
01/13/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304466610 | 32372199 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304466610 | 32372229 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466725 | 32371506 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304466725 | 32371533 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/23/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304466725 | 32428465 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The refinance has decreased the borrower's monthly debt payments by 20% or more. |
741 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
01/13/2025 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304466725 | 32428481 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
01/13/2025 | 1 | B | A | C | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304466725 | 32428482 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 45.04014% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The refinance has decreased the borrower's monthly debt payments by 20% or more. |
741 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
01/13/2025 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304466725 | 32428483 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
01/13/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304466716 | 32371572 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304466673 | 32374315 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304466650 | 32371458 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||||
| 304466650 | 32432698 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
12.03018% DTI | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/17/2024 | 2 | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 304466733 | 32568995 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/11/2025 | 1 | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304466712 | 32398811 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304466703 | 32377957 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304466641 | 32377361 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304466640 | 32373472 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304466594 | 32371331 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304466732 | 32371783 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304466714 | 32374925 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304466714 | 32374958 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/23/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304466704 | 32372312 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304466704 | 32375082 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - S-Corp | General QM: Unable to verify S-Corp income using reasonably reliable third-party records. | xxxx | xxxx |
01/13/2025 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304466704 | 32375100 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
01/13/2025 | 1 | B | A | C | A | B | A | B | A | UT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304466695 | 32374363 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304466683 | 32375963 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||||||
| 304466683 | 32429339 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has worked in the same position for more than 3 years. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Co-borrower with same employer for 5 years. | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/17/2024 | 2 | B | B | B | B | B | B | B | B | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 304466663 | 32415263 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466595 | 32415685 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466715 | 32415467 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304466681 | 32415292 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304466671 | 32415986 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304466644 | 32416336 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304466635 | 32370618 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466635 | 32419092 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304466607 | 32416628 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466607 | 32580634 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
01/08/2025 | 1 | A | A | A | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304466646 | 32416743 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Non QM | Non QM | No | ||||||||||||
| 304466646 | 32416834 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx | xxxx |
01/29/2025 | 2 | C | B | C | B | C | B | C | B | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | C | B | Non QM | Non QM | Yes | ||||||||||
| 304466726 | 32415653 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304466726 | 32415661 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
12/23/2024 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304466726 | 32432112 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing evidence of a new auto loan with xxxx reflecting a balance of $xxxx and a payment of $xxxx. | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304466717 | 32416392 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466707 | 32415380 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304466707 | 32432423 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
12/31/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304466707 | 32432426 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
12/31/2024 | 1 | B | A | C | A | B | A | B | A | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304466707 | 32432427 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 49.46178% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | xxxx |
12/31/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304466707 | 32432428 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
12/31/2024 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304466643 | 32417238 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | NM | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304466642 | 32415265 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/06/2025 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304466623 | 32569917 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
01/11/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304416199 | 32364913 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx |
12/19/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304458237 | 32375343 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | 2 | B | B | B | B | B | B | B | B | OH | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304458237 | 32375423 | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Signed) | Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not signed by borrower(s). | 2 | B | B | B | B | B | B | B | B | OH | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304470338 | 32416965 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Higher Priced QM (APOR) | Non QM | No | ||||||||||||||
| 304470338 | 32416966 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Higher Priced QM (APOR) | Non QM | No | ||||||||||||||
| 304470338 | 32459179 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx |
12/20/2024 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Higher Priced QM (APOR) | Non QM | No | ||||||||||||
| 304470338 | 32459182 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx | xxxx |
12/20/2024 | 1 | B | A | C | A | B | A | B | A | MD | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Higher Priced QM (APOR) | Non QM | Yes | ||||||||||
| 304470338 | 32461163 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx | 2 | A | B | B | A | MD | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Higher Priced QM (APOR) | Non QM | No | |||||||||||||||||
| 304459044 | 32419726 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
12/21/2024 | 1 | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | N/A | No | ||||||||||||
| 304459044 | 32419766 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
12/21/2024 | 1 | C | A | C | A | C | A | C | A | CA | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | N/A | No | |||||||||||
| 304428750 | 32419555 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
12/20/2024 | 1 | B | A | C | A | B | A | B | A | NE | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304428750 | 32458419 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | NE | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304440090 | 32422058 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
12/21/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304443144 | 32426557 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
12/24/2024 | 1 | B | A | C | A | B | A | B | A | AL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304443144 | 32485173 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | AL | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304439335 | 32427252 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304439335 | 32427253 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided Timely) | Texas Constitution Section 50(a)(6): Acknowledgment of the Fair Market Value not signed by lender at or before closing. | xxxx | xxxx |
03/12/2025 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304439335 | 32427254 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304427779 | 32425478 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | NM | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304443146 | 32429544 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
12/26/2024 | 1 | B | A | C | A | B | A | B | A | UT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304443146 | 32492753 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | UT | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304458315 | 32428352 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx | 2 | B | B | B | B | B | B | B | B | UT | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304426443 | 32453987 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304426443 | 32453988 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304459797 | 32455338 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
12/30/2024 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304432864 | 32459585 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
12/30/2024 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304461902 | 32455671 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx | xxxx |
12/31/2024 | 1 | B | A | C | A | B | A | B | A | ID | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | Yes | ||||||||||
| 304461902 | 32455672 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx | xxxx |
12/31/2024 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | No | |||||||||||
| 304461902 | 32519022 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx | 2 | A | B | B | A | ID | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | No | |||||||||||||||||
| 304462128 | 32454842 | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | xxxx | xxxx |
12/26/2024 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304422865 | 32467613 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304422865 | 32467615 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304422865 | 32467616 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (Other Debt) | Texas Constitution Section 50(a)(6): TX 50(a)(6) prohibits other debt secured by the homestead unless the purpose of additional debt is one described under TX 50(a)(1)-(5) or (8). Unable to determine purpose of additional debt secured by the homestead. | xxxx | xxxx |
01/03/2025 | 1 | B | A | B | A | B | A | B | A | TX | Primary | Refinance - Cash-out - Other | Confirm whether additional debt on the subject property is a Texas 50(a)(6) or 50(a)(7) prior to Remediating. Notify consumer the accrual of interest and other obligations will be abated so long as the prior 50(a)(6) or (7) is secured by the homestead | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304457951 | 32467576 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
01/22/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304469937 | 32467931 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
01/22/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304456470 | 32509785 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
12/31/2024 | 2 | B | B | B | B | B | B | B | B | NC | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304443088 | 32512091 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | UT | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304425049 | 32510045 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
01/16/2025 | 1 | C | A | C | A | C | A | C | A | OR | Second Home | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304470288 | 32538253 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
01/24/2025 | 1 | C | A | C | A | C | A | C | A | CA | Second Home | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304442643 | 32538756 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304442643 | 32538757 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Acknowledgment of Fair Market Value Disclosure Not Provided) | Texas Constitution Section 50(a)(6): Borrower did not receive written "Acknowledgment of the Fair Market Value" of homestead property securing loan. | xxxx | xxxx |
01/15/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | To Remediate: the lender or holder may either: (1) Deliver to the borrower the required disclosure documents and obtain an executed copy; OR, (2) refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. Letter of explanation and proof of delivery of cure documents required, and, if cured with refund or credit, copy of refund check or evidence of principal reduction also required. | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304442643 | 32538758 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304442643 | 32538761 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. | xxxx | xxxx |
01/03/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304466796 | 32538553 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
01/03/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | B | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304466796 | 32545377 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | B | B | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304442461 | 32547411 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
01/07/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304460961 | 32570175 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304460961 | 32570176 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304460961 | 32570177 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | Texas Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. | xxxx | xxxx |
01/10/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304468374 | 32583830 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | xxxx |
01/07/2025 | 1 | B | A | B | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | B | A | B | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304475090 | 32591789 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx | xxxx |
01/09/2025 | 1 | B | A | C | A | B | A | B | A | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | Yes | ||||||||||
| 304475090 | 32591790 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx | xxxx |
01/09/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | No | |||||||||||
| 304475090 | 32603761 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx | 2 | A | B | B | A | GA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | No | |||||||||||||||||
| 304458314 | 32596843 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx | 2 | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 304466781 | 32591708 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
01/10/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304470334 | 32591498 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | xxxx |
01/09/2025 | 1 | A | A | A | A | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | C | A | B | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304470334 | 32591510 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | xxxx |
01/09/2025 | 1 | B | A | B | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | C | A | B | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304470334 | 32591526 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
01/09/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | B | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304469974 | 32591757 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
01/08/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304457469 | 32592968 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
01/10/2025 | 1 | B | A | C | A | B | A | B | A | NH | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | B | B | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304457469 | 32597555 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | Borrower has worked in the same position for more than 3 years. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. |
Borrower has been with current employer for 5 years. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
01/09/2025 | 2 | B | B | B | B | B | B | B | B | NH | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304457469 | 32615217 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | NH | Primary | Refinance - Cash-out - Other | C | B | B | B | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304484498 | 32710627 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304484498 | 32710628 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304484498 | 32710630 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |
03/05/2025 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304484502 | 32709914 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has owned the subject property for at least 5 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC |
xxxx |
01/30/2025 | 2 | C | B | C | B | C | B | C | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304484492 | 32711271 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
03/03/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484492 | 32711409 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304484443 | 32614190 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484443 | 32614191 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
02/19/2025 | 1 | B | A | B | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484443 | 32614192 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484443 | 32614193 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484443 | 32614194 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484443 | 32614195 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484443 | 32614196 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| 304484443 | 32614197 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484443 | 32614199 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/19/2025 | 1 | B | A | C | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304484443 | 32614200 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484407 | 32631044 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304484407 | 32631045 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304484402 | 32624413 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
01/22/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 304484402 | 32629905 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
Good employment history and low DTI | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
01/13/2025 | 2 | B | B | B | B | B | B | B | B | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | ||||||||
| 304484402 | 32630020 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
01/22/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||||
| 304484395 | 32713946 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
02/16/2025 | 1 | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484395 | 32713951 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
02/16/2025 | 1 | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304484395 | 32713952 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
02/16/2025 | 1 | B | A | B | A | B | A | B | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484395 | 32713953 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx | xxxx |
02/16/2025 | 1 | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304484395 | 32713954 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 54.94450% moderately exceeds the guideline maximum of 50.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | xxxx |
02/16/2025 | 1 | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304484395 | 32713961 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
02/16/2025 | 1 | B | A | C | A | B | A | B | A | CT | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304484395 | 32713993 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
02/16/2025 | 1 | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304484485 | 32710608 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304484485 | 32710609 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304484485 | 32710620 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304484485 | 32710621 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304484485 | 32710622 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304484485 | 32710623 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304484485 | 32710624 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/19/2025 | 1 | B | A | C | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304484334 | 32660449 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484518 | 32711617 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304484513 | 32616638 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
01/30/2025 | 2 | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Non QM | Non QM | No | |||||||||
| 304484322 | 32632877 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484322 | 32632878 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
02/19/2025 | 1 | B | A | B | A | B | A | B | A | MO | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484322 | 32632893 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304484322 | 32632894 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484322 | 32632895 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484322 | 32632896 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304484322 | 32632897 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304484322 | 32632898 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/19/2025 | 1 | B | A | C | A | B | A | B | A | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304484322 | 32632899 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304484322 | 32632901 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484373 | 32713543 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | 2 | B | B | B | B | B | B | B | B | AL | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304484417 | 32710645 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/18/2025 | 1 | B | A | C | A | B | A | B | A | MD | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304484417 | 32710646 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304484353 | 32624424 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304484353 | 32624425 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304484353 | 32624427 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx | xxxx |
01/22/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304484353 | 32624441 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | xxxx |
01/22/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304484353 | 32626457 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided) | Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing. | xxxx | xxxx |
01/22/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304484316 | 32653250 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304484506 | 32710909 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has owned the subject property for at least 5 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC |
xxxx |
01/27/2025 | 2 | B | B | B | B | B | B | B | B | GA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304484517 | 32712284 | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided | xxxx | xxxx |
02/04/2025 | 1 | D | A | D | A | D | A | D | A | AZ | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304484517 | 32712436 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
02/04/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304484517 | 32712437 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
03/18/2025 | 1 | B | A | B | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304484517 | 32712438 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL HPML Appraisal Not Obtained Prior to Closing Test | Unable to determine compliance with timely delivery of valuation to borrower due to missing information. | xxxx | xxxx |
02/04/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304484517 | 32712439 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx | xxxx |
02/04/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304484517 | 32712440 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. | xxxx | xxxx |
02/04/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304484517 | 32712442 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx | xxxx |
03/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304484517 | 32712443 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx | xxxx |
03/18/2025 | 1 | B | A | C | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | D | A | D | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304484517 | 32777843 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Compliant Higher Priced Mortgage Loan. | xxxx |
03/18/2025 | 1 | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | D | A | D | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||||
| 304484409 | 32638089 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
03/08/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484490 | 32718227 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
03/07/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304484330 | 32633927 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304484330 | 32633959 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
02/11/2025 | 1 | B | A | B | A | B | A | B | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484330 | 32633960 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484330 | 32633961 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484330 | 32633962 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304484330 | 32633963 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484330 | 32633964 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484330 | 32633965 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| 304484330 | 32633966 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304484330 | 32633968 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/11/2025 | 1 | B | A | C | A | B | A | B | A | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304484330 | 32633969 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484330 | 32633970 | Compliance | Compliance | State Compliance | State Defect | Nevada Home Loan (Home Loan Legend Not on Security Instrument) | Nevada Home Loan: Mortgage, Deed, or other instrument does not expressly indicate that loan is a "home loan" in at least 14 point font. | xxxx |
02/11/2025 | 1 | B | A | B | A | B | A | B | A | NV | Primary | Refinance - Cash-out - Other | No obvious cure | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304484330 | 32648644 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing evidence of an installment loan to xxxx with a monthly payment of $xxxx. | xxxx |
01/27/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484376 | 32648478 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | 2 | B | B | B | B | B | B | B | B | VA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304484433 | 32634751 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304484433 | 32634752 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |
03/05/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304484335 | 32713014 | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. | 2 | B | B | B | B | B | B | B | B | AR | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304484511 | 32718327 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
02/04/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 304484505 | 32711578 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484467 | 32628116 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484467 | 32628117 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484467 | 32628118 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484467 | 32628119 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| 304484467 | 32628120 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484467 | 32628122 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484467 | 32628124 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/19/2025 | 1 | B | A | C | A | B | A | B | A | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304484467 | 32632037 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
01/22/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304484371 | 32714324 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304484371 | 32714325 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304484313 | 32627464 | Compliance | Compliance | State Compliance | State Defect | Rhode Island Home Loan (Prohibited Acts and Practices Regarding Home Loans Disclosure Not Signed) | Rhode Island Home Loan: Prohibited Acts and Practices Regarding Home Loans Disclosure not properly executed. | xxxx | xxxx |
01/22/2025 | 1 | C | A | C | A | C | A | C | A | RI | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304484414 | 32711543 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | 2 | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304484399 | 32635796 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | 2 | B | B | B | B | B | B | B | B | SC | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304484497 | 32715703 | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. | xxxx | xxxx |
02/05/2025 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484363 | 32634876 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
01/22/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||
| 304484301 | 32626544 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
01/15/2025 | 1 | B | A | C | A | B | A | B | A | OH | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304484301 | 32650366 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | OH | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304484377 | 32713745 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304484377 | 32713746 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304484508 | 32626851 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
01/21/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||||
| 304484508 | 32628193 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx | xxxx |
02/05/2025 | 1 | B | A | C | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Non QM | Non QM | Yes | ||||||||||
| 304484508 | 32628194 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank 2014): Unable to verify income due to, paystub provided was dated more than 90 days prior to closing. | xxxx | xxxx |
02/05/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304484508 | 32628195 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx | xxxx |
02/05/2025 | 1 | A | A | A | A | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304484515 | 32614230 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
02/02/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||||
| 304484515 | 32615025 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
02/02/2025 | 1 | B | A | C | A | B | A | B | A | SC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | Non QM | Non QM | Yes | ||||||||||
| 304484515 | 32615026 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
02/02/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304484515 | 32615027 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 45.81049% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | xxxx |
02/02/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304484465 | 32713896 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
01/27/2025 | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304484465 | 32718535 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
02/05/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304472800 | 32603397 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304456444 | 32635345 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304456444 | 32635346 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | Texas Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. | xxxx | xxxx |
02/06/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304442472 | 32637642 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
01/16/2025 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304442472 | 32637643 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Notice of Right to Cancel Expiration Date Prior or equal to Disbursement Date | Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s). | xxxx | xxxx |
01/16/2025 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304475082 | 32653410 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
01/17/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304475082 | 32653412 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
01/17/2025 | 1 | B | A | C | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304475082 | 32666271 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | CA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304481010 | 32660532 | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided | xxxx | xxxx |
01/24/2025 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304471665 | 32661203 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
01/21/2025 | 1 | B | A | C | A | B | A | B | A | SC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304471665 | 32661204 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 60.88105% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx | xxxx |
01/21/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304471665 | 32661206 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
01/21/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304471665 | 32661220 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
01/21/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304477466 | 32672274 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx | 2 | B | B | B | B | B | B | B | B | CT | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 304477466 | 32678302 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
781 credit score, minimum required is 700. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
01/21/2025 | 2 | B | B | B | B | B | B | B | B | CT | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304472415 | 32676532 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
01/22/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304472375 | 32671656 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
01/22/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304475190 | 32673872 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | AZ | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304473610 | 32672290 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
01/22/2025 | 1 | B | A | C | A | B | A | B | A | NM | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304473610 | 32691020 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | NM | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304481552 | 32671609 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx | xxxx |
01/22/2025 | 1 | B | A | C | A | B | A | B | A | IN | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | Yes | ||||||||||
| 304481552 | 32671610 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx | xxxx |
01/22/2025 | 1 | C | A | C | A | C | A | C | A | IN | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | No | |||||||||||
| 304481552 | 32682550 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx | 2 | A | B | B | A | IN | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | No | |||||||||||||||||
| 304462331 | 32672430 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx |
01/22/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Non QM | No | ||||||||||||
| 304462331 | 32672431 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx | xxxx |
01/22/2025 | 1 | B | A | C | A | B | A | B | A | SC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Safe Harbor QM (APOR) | Non QM | Yes | ||||||||||
| 304462331 | 32672927 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
01/24/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Non QM | No | |||||||||||
| 304462331 | 32685183 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx | 2 | A | B | B | A | SC | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Non QM | No | |||||||||||||||||
| 304509941 | 32719815 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304509956 | 32732770 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510051 | 32720485 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | WY | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510051 | 32720528 | Compliance | Compliance | State Compliance | Misc. State Level | Wyoming Uniform Consumer Credit Code (Statement of Rate Not Provided) | Wyoming Uniform Consumer Credit Code: Lender did not provide borrower with accurate statement of rate. | 2 | B | B | B | B | B | B | B | B | WY | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304510030 | 32728991 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510032 | 32729485 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304510076 | 32724098 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510076 | 32726190 | Credit | Missing Document | General | Missing Document | Missing Document: Credit Card Statement not provided | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510117 | 32720364 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | IA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510046 | 32729771 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510046 | 32733857 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/06/2025 | 2 | C | B | C | B | C | B | C | B | ID | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510046 | 32733859 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/06/2025 | 2 | C | B | C | B | C | B | C | B | ID | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510136 | 32721781 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510136 | 32724319 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |
03/05/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510136 | 32724320 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
03/05/2025 | 1 | B | A | B | A | B | A | B | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510136 | 32724321 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |
03/05/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510136 | 32724322 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510136 | 32724323 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510136 | 32724324 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510136 | 32724325 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| 304510136 | 32724326 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510136 | 32724328 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
03/05/2025 | 1 | B | A | C | A | B | A | B | A | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304510136 | 32724329 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510136 | 32726596 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 47.54092% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510136 | 32726600 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | xxxx | Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. |
Borrower has lived in subject for 8 years. | SitusAMC,Aggregator SitusAMC |
xxxx |
03/05/2025 | 2 | C | B | C | B | C | B | C | B | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304510136 | 32726613 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510136 | 32827415 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 45.47974% moderately exceeds the guideline maximum of 45.00%. (DTI Exception is eligible to be regraded with compensating factors.) | Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. |
Borrower has lived in subject for 8 years. | SitusAMC,Aggregator SitusAMC |
xxxx |
03/05/2025 | 2 | B | B | B | B | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510136 | 32827416 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |
03/05/2025 | 1 | A | A | A | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| 304510230 | 32721749 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | WV | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510230 | 32741920 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/07/2025 | 2 | C | B | C | B | C | B | C | B | WV | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510230 | 32741923 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/07/2025 | 2 | C | B | C | B | C | B | C | B | WV | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510206 | 32720430 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510217 | 32721836 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510171 | 32720948 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Non QM | Non QM | No | ||||||||||||
| 304510171 | 32744063 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/06/2025 | 2 | C | B | C | B | C | B | C | B | UT | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Non QM | Non QM | Yes | ||||||||||
| 304510171 | 32744064 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/06/2025 | 2 | C | B | C | B | C | B | C | B | UT | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Non QM | Non QM | Yes | ||||||||||
| 304510186 | 32724001 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
03/10/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510186 | 32724012 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510188 | 32721068 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
02/06/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Non QM | Non QM | No | |||||||||||
| 304510188 | 32721069 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx | xxxx |
02/06/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Non QM | Non QM | No | |||||||||||
| 304510188 | 32734689 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | B | B | B | B | B | B | B | PA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Non QM | Non QM | No | ||||||||||||||
| 304510066 | 32719772 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304510208 | 32720140 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510208 | 32720150 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510222 | 32719653 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510259 | 32722555 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304509948 | 32729426 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510056 | 32722207 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510056 | 32722283 | Compliance | Compliance | State Compliance | State HPML | (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold) | Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | OK | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304509945 | 32722850 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510042 | 32721748 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304509989 | 32719758 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304509991 | 32719863 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510074 | 32720157 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510114 | 32729693 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510146 | 32723063 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510146 | 32723064 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510146 | 32723065 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510146 | 32723066 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304510146 | 32723067 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510146 | 32723069 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/19/2025 | 1 | B | A | C | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510146 | 32723070 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510146 | 32723125 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510224 | 32724069 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/08/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510224 | 32724103 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510224 | 32724104 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx | xxxx |
02/19/2025 | 1 | B | A | B | A | B | A | B | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510224 | 32724105 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510224 | 32724106 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510224 | 32724107 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510224 | 32724108 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510224 | 32724109 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304510224 | 32724110 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510224 | 32724112 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510224 | 32724114 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/19/2025 | 1 | B | A | C | A | B | A | B | A | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304510172 | 32729610 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/08/2025 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510157 | 32729687 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/08/2025 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510164 | 32722529 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/08/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510166 | 32729124 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The Guidelines require the most recent year W2 to document income, the file is missing a W2. | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510166 | 32729125 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/08/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510203 | 32725030 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/08/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304510218 | 32724561 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/08/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510218 | 32724600 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has worked in the same position for more than 3 years. Borrower's monthly mortgage payment has decreased by at least 20%. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The refinance has decreased the borrower's monthly debt payments by 20% or more. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
01/29/2025 | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304510016 | 32720065 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | ND | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510043 | 32723237 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510063 | 32723331 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/08/2025 | 1 | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510065 | 32722394 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/08/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510001 | 32729617 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/08/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510176 | 32720066 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/08/2025 | 1 | C | A | C | A | C | A | C | A | AK | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510080 | 32720378 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/08/2025 | 1 | C | A | C | A | C | A | C | A | NM | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510080 | 32726527 | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided | xxxx | xxxx |
01/31/2025 | 1 | C | A | C | A | C | A | C | A | NM | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510082 | 32720342 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304510082 | 32720343 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304510082 | 32720349 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/08/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510128 | 32720497 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/08/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510145 | 32728748 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/08/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510256 | 32725521 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304510256 | 32725522 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304510256 | 32740088 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510267 | 32720791 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510267 | 32720846 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
03/25/2025 | 1 | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510267 | 32720847 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx | xxxx |
03/25/2025 | 1 | B | A | B | A | B | A | B | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510267 | 32720848 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |
03/25/2025 | 1 | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510267 | 32720849 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510267 | 32720850 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510267 | 32720851 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| 304510267 | 32720852 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510267 | 32720853 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (ATR - Income: Wages / W-2) | 2014 High-Cost Mortgage (Closed-end ATR): Unable to verity income due to, paystub provided was dated more than 90 days prior to closing. | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510267 | 32720855 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Wages | Ability to Repay (Dodd-Frank 2014): Unable to verify income due to, paystub provided was dated more than 90 days prior to closing. | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510267 | 32720856 | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx | xxxx |
02/11/2025 | 1 | A | A | A | A | A | A | A | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510267 | 32720857 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
03/25/2025 | 1 | B | A | C | A | B | A | B | A | MS | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304510267 | 32720858 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510267 | 32827489 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Income and Assets - Wages | General QM: Unable to verity income due to, paystub provided was dated more than 90 days prior to closing. | xxxx |
03/25/2025 | 1 | A | A | A | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||||
| 304510190 | 32724315 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510175 | 32729061 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510089 | 32721066 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510091 | 32724344 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510202 | 32728671 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510204 | 32729013 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510221 | 32723194 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304509976 | 32729619 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
03/03/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304509976 | 32729622 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | xxxx | xxxx |
01/31/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510019 | 32725177 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304509978 | 32726195 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
03/03/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304509978 | 32728116 | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided | xxxx | xxxx |
01/31/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510047 | 32720360 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304509954 | 32723860 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304509967 | 32719854 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
03/03/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304510079 | 32721171 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510079 | 32721173 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
02/19/2025 | 1 | B | A | B | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510079 | 32721174 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510079 | 32721175 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510079 | 32721176 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510079 | 32721177 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510079 | 32721178 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510079 | 32721179 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304510079 | 32721180 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510079 | 32721183 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/19/2025 | 1 | B | A | C | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304510079 | 32721184 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510079 | 32721191 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510079 | 32721224 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
02/06/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510093 | 32722351 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510131 | 32729362 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510131 | 32729497 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510131 | 32729498 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510131 | 32729501 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510142 | 32720388 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510059 | 32724694 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510059 | 32724715 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | Texas Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. | xxxx | xxxx |
02/14/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510102 | 32719817 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510104 | 32724222 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510104 | 32724243 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | xxxx | xxxx |
02/05/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510244 | 32729071 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510072 | 32719918 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510083 | 32729372 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||||
| 304510083 | 32729380 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
02/06/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304510083 | 32729448 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304510083 | 32729449 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304510083 | 32729450 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304510083 | 32729451 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Non QM | Non QM | Yes | ||||||||||
| 304510083 | 32729452 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304510158 | 32729258 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510098 | 32724830 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510125 | 32724931 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/09/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||||
| 304510125 | 32725003 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
02/06/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | ||||||||||||
| 304510125 | 32725046 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx | xxxx |
02/07/2025 | 1 | B | A | C | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation | C | A | C | A | C | A | Non QM | Non QM | Yes | ||||||||||
| 304510125 | 32725047 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 56.45591% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304510125 | 32725048 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Non QM | Non QM | No | |||||||||||
| 304510272 | 32722275 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510201 | 32726120 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510201 | 32736022 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/06/2025 | 2 | C | B | C | B | C | B | C | B | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510201 | 32736023 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/06/2025 | 2 | C | B | C | B | C | B | C | B | NJ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304509943 | 32726432 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510024 | 32727142 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304509987 | 32729627 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
03/03/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304509977 | 32720577 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
03/03/2025 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510045 | 32728849 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510045 | 32734337 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | 2 | B | B | B | B | B | B | B | B | NJ | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510033 | 32729860 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/18/2025 | 1 | B | A | C | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510033 | 32729861 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $xxxx (2024). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2024) (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510057 | 32728852 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/08/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510111 | 32729822 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/08/2025 | 1 | C | A | C | A | C | A | C | A | AK | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510111 | 32734434 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | AK | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304510111 | 32814116 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
02/26/2025 | 1 | A | A | A | A | AK | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304510048 | 32725229 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510048 | 32725240 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510048 | 32725241 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510048 | 32725242 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510048 | 32725243 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510048 | 32725244 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510048 | 32725245 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510050 | 32719939 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510110 | 32720119 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510110 | 32720120 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510110 | 32720121 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510110 | 32720122 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (2015 Counseling Requirement) | Truth in Lending Act (HOEPA): Pre-loan counseling requirements not met. | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510110 | 32720124 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/11/2025 | 1 | B | A | C | A | B | A | B | A | AZ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510110 | 32720125 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510110 | 32720128 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510110 | 32720131 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510153 | 32720480 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510261 | 32725516 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510261 | 32725682 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510261 | 32725683 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510261 | 32725684 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510261 | 32725685 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510261 | 32725686 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510261 | 32725687 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510261 | 32725692 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/18/2025 | 1 | B | A | C | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510261 | 32725693 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510262 | 32724345 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510108 | 32729240 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510108 | 32729288 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304510108 | 32729289 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304510115 | 32722004 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510115 | 32722059 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. Although the loan file contains the T-42 Endorsement, there is no evidence the Title Policy includes the Texas T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510115 | 32722060 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510115 | 32722062 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx | xxxx |
02/14/2025 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510189 | 32721546 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Non QM | Non QM | No | ||||||||||||
| 304510189 | 32740961 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/10/2025 | 2 | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Non QM | Non QM | Yes | ||||||||||
| 304510189 | 32740962 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/10/2025 | 2 | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Non QM | Non QM | Yes | ||||||||||
| 304509962 | 32731943 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304509962 | 32732095 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304509962 | 32732096 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304509962 | 32732099 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx | xxxx |
02/06/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304509962 | 32732647 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Note Date used as Transaction Date | Unable to conclusively determine date of consummation. Note date used as transaction date for purposes of determining compliance with rescission timing requirements | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304510061 | 32731537 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304509951 | 32722408 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510036 | 32720428 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304510008 | 32722928 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
03/03/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510008 | 32723074 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304510008 | 32723075 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304510023 | 32720873 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510025 | 32729954 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510161 | 32721755 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304510149 | 32730447 | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx% Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MA | Primary | Refinance - Cash-out - Other | No obvious cure | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510149 | 32730452 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510156 | 32724812 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510096 | 32720546 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Non QM | Non QM | No | ||||||||||||
| 304510096 | 32720562 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | xxxx | xxxx |
02/05/2025 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Non QM | Non QM | No | ||||||||||||
| 304510096 | 32732760 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/06/2025 | 2 | C | B | C | B | C | B | C | B | AL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Non QM | Non QM | Yes | ||||||||||
| 304510096 | 32732761 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/06/2025 | 2 | C | B | C | B | C | B | C | B | AL | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Non QM | Non QM | Yes | ||||||||||
| 304510211 | 32732117 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510211 | 32732126 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510184 | 32722736 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510184 | 32722737 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx | xxxx |
02/19/2025 | 1 | B | A | B | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510184 | 32722738 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510184 | 32722739 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510184 | 32722740 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510184 | 32722741 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510184 | 32722742 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304510184 | 32722743 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510184 | 32722745 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/18/2025 | 1 | B | A | C | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304510184 | 32722746 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510184 | 32722754 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510205 | 32723755 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510205 | 32736516 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/05/2025 | 2 | C | B | C | B | C | B | C | B | SC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304510205 | 32736517 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/05/2025 | 2 | C | B | C | B | C | B | C | B | SC | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304510130 | 32731474 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/09/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510132 | 32720976 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510178 | 32720614 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510178 | 32727757 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
03/06/2025 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510178 | 32727763 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 62.08931% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx | xxxx |
03/06/2025 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510178 | 32727764 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
03/06/2025 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510178 | 32727782 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
03/06/2025 | 1 | B | A | C | A | B | A | B | A | CO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510178 | 32732300 | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided | xxxx | xxxx |
02/05/2025 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510232 | 32730519 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510234 | 32723902 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | WV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510257 | 32723288 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304509961 | 32731049 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
03/03/2025 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510012 | 32720541 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510006 | 32730733 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304509990 | 32729957 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304509964 | 32721051 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
03/03/2025 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304509966 | 32768265 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
03/03/2025 | 1 | C | A | C | A | C | A | C | A | NM | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510054 | 32721136 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510054 | 32721269 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | B | B | B | B | B | B | B | CO | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||||
| 304510069 | 32729689 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510069 | 32730011 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510069 | 32730012 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
02/11/2025 | 1 | B | A | B | A | B | A | B | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510069 | 32730013 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510069 | 32730014 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510069 | 32730015 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510069 | 32730016 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510069 | 32730017 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | |||||||||||
| 304510069 | 32730018 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510069 | 32730020 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510069 | 32730033 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/11/2025 | 1 | B | A | C | A | B | A | B | A | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304510069 | 32730096 | Compliance | Compliance | State Compliance | State Defect | Nevada Home Loan (Home Loan Legend Not on Security Instrument) | Nevada Home Loan: Mortgage, Deed, or other instrument does not expressly indicate that loan is a "home loan" in at least 14 point font. | xxxx |
02/11/2025 | 1 | B | A | B | A | B | A | B | A | NV | Primary | Refinance - Cash-out - Other | No obvious cure | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510099 | 32723026 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510150 | 32724303 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
02/07/2025 | 1 | B | A | C | A | B | A | B | A | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510150 | 32724304 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 78.90802% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510150 | 32724305 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510150 | 32724317 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510150 | 32724364 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510150 | 32724392 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510122 | 32722470 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/09/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510122 | 32722694 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
02/13/2025 | 1 | B | A | C | A | B | A | B | A | VA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510122 | 32843369 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304510133 | 32721688 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510250 | 32729106 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510213 | 32720743 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | CT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510245 | 32727679 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | IA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Non QM | Non QM | No | |||||||||||||
| 304510245 | 32737908 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/06/2025 | 2 | C | B | C | B | C | B | C | B | IA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Non QM | Non QM | Yes | ||||||||||
| 304510245 | 32737909 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/06/2025 | 2 | C | B | C | B | C | B | C | B | IA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Non QM | Non QM | Yes | ||||||||||
| 304510198 | 32731058 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510223 | 32730907 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304509973 | 32722474 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
03/03/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510039 | 32730417 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510029 | 32730030 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304510004 | 32721829 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304509959 | 32730864 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
03/03/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304509997 | 32729471 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510064 | 32724597 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510129 | 32720916 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/09/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510143 | 32720808 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510143 | 32721192 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510143 | 32721193 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
02/11/2025 | 1 | B | A | B | A | B | A | B | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510143 | 32721194 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510143 | 32721195 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510143 | 32721196 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510143 | 32721197 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304510143 | 32721198 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510143 | 32721200 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510143 | 32721203 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/11/2025 | 1 | B | A | C | A | B | A | B | A | MS | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304510174 | 32724453 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510170 | 32724252 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | xxxx | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510170 | 32724260 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510170 | 32732129 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510170 | 32732131 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |
02/14/2025 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304510170 | 32732132 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/05/2025 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510170 | 32732133 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/05/2025 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510274 | 32730615 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510281 | 32720653 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/11/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510281 | 32720918 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
02/03/2025 | 2 | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304510101 | 32728685 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510163 | 32725381 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/09/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510163 | 32731926 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510163 | 32731927 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510163 | 32731928 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |
02/14/2025 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304510177 | 32727040 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/09/2025 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510177 | 32731683 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | xxxx | Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. The representative FICO score exceeds the guideline minimum by at least 40 points. |
10 plus years in current residence. | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
01/29/2025 | 2 | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304510238 | 32723731 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/09/2025 | 1 | C | A | C | A | C | A | C | A | MT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510251 | 32726177 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/09/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510251 | 32726224 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304510251 | 32726225 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304510031 | 32721092 | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. | 2 | B | B | B | B | B | B | B | B | AR | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304510031 | 32721613 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304509970 | 32721405 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304509970 | 32721406 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304509970 | 32721408 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx | xxxx |
02/14/2025 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304509970 | 32721475 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
03/03/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510040 | 32721485 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304510126 | 32730483 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/09/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304510073 | 32725375 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/09/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510073 | 32725399 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304510073 | 32725400 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304510073 | 32743751 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/06/2025 | 2 | C | B | C | B | C | B | C | B | MD | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304510073 | 32743752 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/06/2025 | 2 | C | B | C | B | C | B | C | B | MD | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304510127 | 32724410 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/09/2025 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510127 | 32724646 | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | xxxx | xxxx |
02/06/2025 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510192 | 32732924 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/09/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510192 | 32733082 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
02/15/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510192 | 32733109 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/18/2025 | 1 | B | A | C | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510192 | 32733110 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $xxxx (2024). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2024) (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510192 | 32814189 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
02/12/2025 | 1 | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304510199 | 32726547 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/09/2025 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510209 | 32724230 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/09/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510209 | 32737949 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx |
02/14/2025 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304510209 | 32737950 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/06/2025 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510209 | 32737951 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/06/2025 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510246 | 32725865 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/09/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510246 | 32737982 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/06/2025 | 2 | C | B | C | B | C | B | C | B | AZ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304510246 | 32737983 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/06/2025 | 2 | C | B | C | B | C | B | C | B | AZ | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304510246 | 32814198 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
02/12/2025 | 1 | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304510255 | 32732436 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510268 | 32724413 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510268 | 32744886 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/10/2025 | 2 | C | B | C | B | C | B | C | B | MO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304510268 | 32744887 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/10/2025 | 2 | C | B | C | B | C | B | C | B | MO | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304510270 | 32724684 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/09/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510270 | 32745594 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
02/05/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304509993 | 32730649 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
03/03/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304509993 | 32730753 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304509993 | 32730754 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304509993 | 32730755 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304509993 | 32730756 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304509993 | 32730757 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304509993 | 32730758 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304509993 | 32730760 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/19/2025 | 1 | B | A | C | A | B | A | B | A | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304509993 | 32730761 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/19/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304509993 | 32730764 | Compliance | Compliance | State Compliance | State Defect | Nevada Home Loan (Home Loan Legend Not on Security Instrument) | Nevada Home Loan: Mortgage, Deed, or other instrument does not expressly indicate that loan is a "home loan" in at least 14 point font. | xxxx |
02/19/2025 | 1 | B | A | B | A | B | A | B | A | NV | Primary | Refinance - Cash-out - Other | No obvious cure | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510011 | 32727704 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304509974 | 32732118 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
03/03/2025 | 1 | C | A | C | A | C | A | C | A | WY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304509995 | 32725924 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304509955 | 32731863 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304509955 | 32835616 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
02/24/2025 | 1 | A | A | A | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304510179 | 32725002 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/08/2025 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510067 | 32723059 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/08/2025 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510068 | 32721742 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/08/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510280 | 32724736 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/08/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510280 | 32724757 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | xxxx | xxxx |
03/26/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510280 | 32724792 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/07/2025 | 1 | B | A | C | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510280 | 32724793 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510097 | 32768172 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | NH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510097 | 32768178 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
02/12/2025 | 1 | C | A | C | A | C | A | C | A | NH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510216 | 32728918 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304510103 | 32729740 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510118 | 32730117 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510118 | 32730209 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510118 | 32730210 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510118 | 32730211 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510118 | 32730212 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510118 | 32730213 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304510118 | 32730215 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304510118 | 32730217 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/18/2025 | 1 | B | A | C | A | B | A | B | A | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510118 | 32730218 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510135 | 32728408 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510187 | 32724689 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304510187 | 32724690 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510187 | 32724707 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510237 | 32729244 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510252 | 32724859 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510269 | 32722325 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510269 | 32722353 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510269 | 32745506 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510269 | 32745507 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
02/18/2025 | 1 | B | A | B | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510269 | 32745508 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510269 | 32745509 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510269 | 32745510 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510269 | 32745511 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510269 | 32745512 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510269 | 32745513 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304510269 | 32745514 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510269 | 32745515 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304510269 | 32745521 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/18/2025 | 1 | B | A | C | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304510041 | 32722867 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510002 | 32721969 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304510000 | 32722066 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510037 | 32720807 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304510052 | 32722803 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510088 | 32726965 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510088 | 32727008 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | SC | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304510092 | 32723840 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510141 | 32721510 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304510119 | 32727227 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | NH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304510276 | 32730863 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510279 | 32722130 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510140 | 32728268 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304510140 | 32814102 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
02/12/2025 | 1 | A | A | A | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 304510239 | 32724758 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304510154 | 32731492 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510154 | 32731706 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510154 | 32731707 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510154 | 32731709 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx | xxxx |
02/19/2025 | 2 | C | B | C | B | C | B | C | B | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510233 | 32728579 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510240 | 32730078 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304510240 | 32730292 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. |
Good credit and low ratios. Borrower has good employment history | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
01/30/2025 | 2 | B | B | B | B | B | B | B | B | OH | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304510240 | 32744498 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/06/2025 | 2 | C | B | C | B | C | B | C | B | OH | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510240 | 32744499 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/06/2025 | 2 | C | B | C | B | C | B | C | B | OH | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304510240 | 32814103 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
03/05/2025 | 1 | A | A | A | A | OH | Primary | Refinance - Cash-out - Other | C | B | C | B | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304510247 | 32728629 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/07/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304484585 | 32735900 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | xxxx | 2 | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304437714 | 32732278 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
01/31/2025 | 1 | B | A | C | A | B | A | B | A | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304437714 | 32732279 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
02/01/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304437714 | 32756822 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | NV | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304482941 | 32752063 | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided | xxxx | xxxx |
02/06/2025 | 1 | C | A | C | A | C | A | C | A | NJ | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304476591 | 32748309 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx 12:00:00 AM. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304484890 | 32753362 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
02/03/2025 | 1 | C | A | C | A | C | A | C | A | NM | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304484890 | 32753372 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/05/2025 | 1 | B | A | C | A | B | A | B | A | NM | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304484890 | 32753373 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Employment - Schedule C | General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. | xxxx | xxxx |
02/05/2025 | 1 | C | A | C | A | C | A | C | A | NM | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304489925 | 32766831 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Required property condition report was not provided | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304486059 | 32772115 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
02/15/2025 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304481557 | 32775553 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304481557 | 32775554 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304492696 | 32776550 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304490470 | 32776578 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304490470 | 32776579 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Itemization of Points and Fees Not Provided At Least 1 Business Day Prior to Closing - No Waiver) | Texas Constitution Section 50(a)(6): Final itemized disclosure of fees, points, costs and charges not provided to borrower at least one (1) business day prior to closing without a waiver. | xxxx | xxxx |
02/04/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund or credit the borrower $1,000 and offer the borrower the right to refinance the extension of credit for the remaining term of the loan at no cost to the borrower on the same terms, including interest, as the original extension of credit with any modifications necessary to comply with this section or on terms on which the borrower and the lender or holder otherwise agree. | C | B | A | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304632017 | 32786947 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304632017 | 32786948 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304632017 | 32786975 | Compliance | Compliance | Federal Compliance | Compliance | Disclosed Note P&I payment does not equal calculated P&I payment | Disclosed Note P&I payment does not equal calculated P&I payment. Note P&I of $xxxx does not match calculated P&I of $xxxx. Note P&I was used for the APR calculation and compliance testing. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304480892 | 32797796 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. | xxxx | xxxx |
02/10/2025 | 1 | C | A | C | A | C | A | C | A | LA | Second Home | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304481572 | 32807939 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | xxxx | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304481572 | 32807940 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | xxxx | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304481574 | 32809523 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
02/14/2025 | 1 | C | A | C | A | C | A | C | A | TX | Investment | Refinance - Cash-out - Other | C | A | C | A | A | A | N/A | N/A | No | |||||||||||
| 304493814 | 32807898 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | xxxx |
02/07/2025 | 1 | B | A | C | A | B | A | B | A | MO | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304493814 | 32814051 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Higher Priced QM (APOR) matches the Due Diligence Loan Designation of Higher Priced QM (APOR). | xxxx | 2 | A | B | B | A | MO | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||||
| 304635152 | 32906735 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635085 | 32906874 | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. | xxxx | xxxx |
02/21/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304635085 | 32906875 | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. | xxxx |
02/21/2025 | 1 | B | A | B | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635085 | 32906876 | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal - Did Not Physically Visit) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not performed by a certified or licensed appraiser who conducted a physical visit to the property. | xxxx | xxxx |
02/21/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304635085 | 32906877 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx | xxxx |
02/21/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304635085 | 32906878 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx | xxxx |
02/21/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304635085 | 32906879 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx | xxxx |
02/21/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304635085 | 32906880 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx | xxxx |
02/21/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304635085 | 32906881 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx | xxxx |
02/21/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304635085 | 32906883 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/21/2025 | 1 | B | A | C | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304635085 | 32906884 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
02/21/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304635093 | 32907443 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635093 | 32907455 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
03/03/2025 | 1 | B | A | C | A | B | A | B | A | AL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304635093 | 32966682 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | AL | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304635141 | 32906999 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635256 | 32822317 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635256 | 32822398 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | xxxx | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635256 | 32822399 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635296 | 32907155 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635300 | 32907436 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635300 | 32907477 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
03/11/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304635265 | 32906940 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635270 | 32906893 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635441 | 32908424 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635239 | 32906856 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635251 | 32907408 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | ND | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635261 | 32822679 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635358 | 32907038 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635360 | 32907488 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635301 | 32907855 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304635087 | 32907822 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | WI | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304635087 | 32907824 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635169 | 32907322 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635086 | 32907449 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635099 | 32936382 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
2 | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304635099 | 32936394 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | 2 | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635293 | 32907354 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | UT | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635306 | 32907946 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635306 | 32908058 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635306 | 32908059 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635317 | 32907099 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635317 | 32907132 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower | xxxx |
02/21/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635317 | 32907133 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. | xxxx |
02/21/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635317 | 32907134 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Late Charge) | Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days. | xxxx |
02/21/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635317 | 32907135 | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. | xxxx |
02/21/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304635317 | 32907136 | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. | xxxx |
02/21/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635317 | 32907138 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
02/21/2025 | 1 | B | A | C | A | B | A | B | A | KS | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304635317 | 32907139 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |
02/21/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635408 | 32822516 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304635400 | 32908519 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635411 | 32907658 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635440 | 32809012 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635440 | 32809057 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. | xxxx | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
02/13/2025 | 2 | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||
| 304635448 | 32935914 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has been employed in the same industry for more than 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
740 FICO | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
03/25/2025 | 2 | C | B | C | B | C | B | C | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||
| 304635111 | 32909209 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635242 | 32907659 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635291 | 32814863 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304635331 | 32909248 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635351 | 32908982 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | LA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635311 | 32909166 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635404 | 32907923 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635405 | 32914266 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635305 | 32909910 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | HI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635305 | 32937754 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
03/11/2025 | 1 | A | A | A | A | HI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304635092 | 32935973 | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx% Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MA | Primary | Refinance - Cash-out - Other | No obvious cure | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635102 | 32911745 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | 2 | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635102 | 32911765 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635170 | 32822513 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | OK | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635130 | 32912232 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635104 | 32912012 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635175 | 32911775 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304635243 | 32822414 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/25/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635243 | 32826628 | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided | xxxx | xxxx |
02/25/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635315 | 32915029 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635424 | 32915043 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635346 | 32910955 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635377 | 32814332 | Compliance | Compliance | Federal Compliance | Missing Disclosure | Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing | FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. | xxxx | xxxx |
02/24/2025 | 1 | B | A | B | A | B | A | B | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304635377 | 32814351 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635420 | 32915170 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635160 | 32915147 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | DC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635287 | 32915157 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635353 | 32910064 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Award Letter is missing. | xxxx |
03/07/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304635353 | 32910087 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635292 | 32814807 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304635429 | 32910519 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635429 | 32910567 | Credit | Guideline | Guideline Issue | Guideline | Borrower has been on current job less than 2 years, and prior employment history was not documented as required. | - | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304635429 | 32911420 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | Missing 2023 W-2 which is required per guidelines. Less than 1 year income verified. There was no documentation from prior employer. | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304635429 | 32913064 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635429 | 32913077 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
02/28/2025 | 1 | B | A | C | A | B | A | B | A | KS | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304635429 | 32913078 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 215.07526% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304635429 | 32913079 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | KS | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304635105 | 32915931 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635095 | 32916234 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | 2 | B | B | B | B | B | B | B | B | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | B | C | A | B | B | Non QM | Non QM | Yes | |||||||||||||
| 304635095 | 32916255 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Non QM | Non QM | No | ||||||||||||
| 304635151 | 32916055 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635144 | 32917190 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | IA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635144 | 32917255 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | The file is missing a copy of the VA Verification of Benefits. | xxxx |
03/06/2025 | 1 | C | A | C | A | C | A | C | A | IA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304635124 | 32916564 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304635198 | 32915938 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635198 | 32919091 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
03/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304635080 | 32915849 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | NE | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635235 | 32916266 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635212 | 32917422 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635217 | 32916531 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635362 | 32916796 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635362 | 32956763 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
03/11/2025 | 1 | A | A | A | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304635369 | 32916812 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635097 | 32917585 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635156 | 32939513 | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx% Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MA | Primary | Refinance - Cash-out - Other | No obvious cure | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635215 | 32917573 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635215 | 32917848 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635215 | 32917849 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635215 | 32917851 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx | xxxx |
03/08/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304635216 | 32916371 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635297 | 32916530 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635297 | 32916583 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
03/08/2025 | 1 | B | A | C | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304635297 | 33000379 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | FL | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304635326 | 32916164 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635329 | 32809051 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635364 | 32917909 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635364 | 32956628 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
03/23/2025 | 1 | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304635183 | 32916640 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635188 | 32917655 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635371 | 32822825 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | MA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635447 | 32908452 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635447 | 32908525 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
03/03/2025 | 1 | B | A | C | A | B | A | B | A | FL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304635447 | 32908526 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $xxxx (2024). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2024) (an overage of $xxxx or xxxx%). | xxxx | xxxx |
03/03/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304635378 | 32808051 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635378 | 32808268 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/11/2025 | 2 | C | B | C | B | C | B | C | B | VA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304635378 | 32808269 | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $35.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx | xxxx |
03/11/2025 | 2 | C | B | C | B | C | B | C | B | VA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304635378 | 32808271 | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $9.00 exceeds tolerance of $7.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |
02/07/2025 | 1 | A | A | A | A | A | A | A | A | VA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | |||||||||||
| 304635378 | 32814026 | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. | xxxx | xxxx |
03/22/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635383 | 32916946 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635387 | 32814613 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635119 | 32908994 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635119 | 32909051 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304635119 | 32909052 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304635137 | 32917201 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635112 | 32916649 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | 2 | B | B | B | B | B | B | B | B | AZ | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635112 | 32916660 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635230 | 32909363 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635229 | 32917105 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635394 | 32916606 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635307 | 32908528 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635314 | 32920011 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | xxxx | 2 | B | B | B | B | B | B | B | B | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635314 | 32920021 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635316 | 32917619 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635138 | 32823031 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635159 | 32919147 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635128 | 32908912 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | MS | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635114 | 32908291 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | IA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635173 | 32909263 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635131 | 32916698 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635223 | 32912172 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635334 | 32916765 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635406 | 32919388 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635150 | 32919149 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635146 | 32919123 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635147 | 32919246 | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. | 2 | B | B | B | B | B | B | B | B | AR | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304635147 | 32919343 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | AR | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635191 | 32920087 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635191 | 32920151 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | xxxx | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635191 | 32920152 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | xxxx | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635194 | 32919198 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635214 | 32822820 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635263 | 32822519 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635282 | 32918941 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635208 | 32918701 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635295 | 32920715 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635325 | 32920510 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635325 | 32930073 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635337 | 32808898 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635162 | 32918382 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635162 | 32918457 | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | xxxx | xxxx |
03/07/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635182 | 32920568 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635182 | 32920595 | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | xxxx |
03/07/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635103 | 32917911 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635103 | 32918597 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VA Verification of Benefits income document missing in file. | xxxx |
03/07/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304635289 | 32920216 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635340 | 32918234 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635347 | 32919581 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||
| 304635232 | 32920646 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635356 | 32921639 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635349 | 32920573 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635354 | 32921099 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | DE | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635155 | 32918241 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635123 | 32920369 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635106 | 32918975 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | xxxx | Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
02/24/2025 | 2 | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||
| 304635106 | 32918986 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635226 | 32917343 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304635218 | 32918490 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635271 | 32917700 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635271 | 32931308 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
03/20/2025 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635271 | 32931310 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
03/20/2025 | 1 | B | A | C | A | B | A | B | A | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304635271 | 32931311 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 51.19473% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx | xxxx |
03/20/2025 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304635271 | 32931312 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |
03/20/2025 | 1 | C | A | C | A | C | A | C | A | NJ | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635274 | 32920319 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | DC | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635274 | 32920334 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | xxxx | The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. Borrower has verified disposable income of at least $2500.00. |
45.12322% HCLTV | SitusAMC,Aggregator SitusAMC |
xxxx |
03/18/2025 | 2 | C | B | C | B | C | B | C | B | DC | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304635288 | 32919545 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | SC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304635299 | 32919023 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635397 | 32919727 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | DC | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635219 | 32919328 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304635345 | 32919297 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304635345 | 32944595 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
03/11/2025 | 1 | A | A | A | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | |||||||||||||||
| 304635451 | 32923367 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
03/11/2025 | 1 | B | A | C | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304635451 | 32923368 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $xxxx (2024). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (2024) (an overage of $xxxx or xxxx%). | xxxx | xxxx |
03/11/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304635453 | 32815169 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304635433 | 32923964 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304496673 | 32834931 | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 | xxxx | xxxx |
02/13/2025 | 1 | B | A | B | A | B | A | B | A | DE | Second Home | Refinance - Cash-out - Other | B | A | A | A | B | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304495567 | 32832110 | Compliance | Compliance | State Compliance | Misc. State Level | Minnesota Tangible Net Benefit Disclosure | Minnesota Residential Mortgage Originator and Servicer Licensing Act: Tangible Net Benefit Disclosure not provided to the Borrower. | xxxx | 2 | B | B | B | B | B | B | B | B | MN | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304638670 | 32923307 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
03/08/2025 | 1 | B | A | C | A | B | A | B | A | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304638670 | 32923311 | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal and secondary valuation are missing. Sec ID: 4 | xxxx | xxxx |
03/26/2025 | 1 | D | A | D | A | D | A | D | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304638670 | 32923314 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/27/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304638670 | 33000360 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | PA | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304638719 | 32924031 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | PA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304638746 | 32918266 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | ID | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304638900 | 32924001 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304638902 | 32923989 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304638844 | 32925568 | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. |
31.56395% DTI | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
03/24/2025 | 2 | C | B | C | B | C | B | C | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||
| 304638844 | 32925578 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304638844 | 32925590 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304638844 | 32925591 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | C | B | C | B | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304638692 | 32923934 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304638724 | 32936167 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. | Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. |
Low ratios, good credit and residual income | SitusAMC,Aggregator SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
02/26/2025 | 2 | B | B | B | B | B | B | B | B | MO | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Non QM | Non QM | No | |||||||||
| 304638827 | 32929572 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | xxxx | xxxx |
03/07/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304638816 | 32927178 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304638816 | 32927311 | Compliance | Compliance | State Compliance | Misc. State Level | (TX50(a)(6)) Texas Cash-out Loan (T-42 Endorsement Not Obtained) | Texas Constitution Section 50(a)(6): Acceptable FNMA title insurance endorsements not obtained for home equity loan. The loan file does not evidence the Title Policy includes the Texas T-42 endorsement or the T-42.1 endorsement. (The loan is a Texas Section 50 (a)(6) home equity loan.) | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The endorsements would be required at the time of original title policy issuance, there is not an obvious remediation | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304638816 | 32927312 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304638816 | 32927314 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Points and Fees Exceeds 2% of Original Principal Balance) | Texas Constitution Section 50(a)(6): Points and fees on subject loan of xxxx% is in excess of the allowable maximum of 2.0000% of the Original Principal Loan Amount. Points and Fees total $xxxx on an Original Principal Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%.) | xxxx | xxxx |
03/11/2025 | 1 | C | A | C | A | C | A | C | A | TX | Primary | Refinance - Cash-out - Other | Refund the borrower, or credit their account, an amount equal to any overcharge paid by the borrower. (Provide Proof of Delivery, LOE, and Copy of Check. [A servicing screen print can be provided in place of a check when a credit is applied to the borrowers account.]) | C | B | C | A | C | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304638876 | 32923753 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304638901 | 32927140 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | WI | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304638949 | 32924182 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
03/13/2025 | 1 | B | A | C | A | B | A | B | A | GA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304638949 | 32924183 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
03/13/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304638949 | 32924214 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
03/18/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304638672 | 32924055 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304638770 | 32943395 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
03/11/2025 | 1 | B | A | C | A | B | A | B | A | NJ | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304638770 | 33019847 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | NJ | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304638754 | 32923988 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304638716 | 32941733 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
03/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304638716 | 32941738 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
03/11/2025 | 1 | B | A | C | A | B | A | B | A | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304638716 | 32941739 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 54.75601% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx | xxxx |
03/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304638716 | 32941740 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
03/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304638678 | 32924641 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304638678 | 32924768 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx | xxxx |
03/11/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304638790 | 32935500 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
03/18/2025 | 1 | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304638790 | 32935501 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
03/25/2025 | 1 | B | A | C | A | B | A | B | A | KY | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes | ||||||||||
| 304638790 | 32935502 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 58.79678% significantly exceeds the guideline maximum of 45.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx | xxxx |
03/25/2025 | 1 | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304638790 | 32935503 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx | xxxx |
03/25/2025 | 1 | C | A | C | A | C | A | C | A | KY | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304638800 | 32925683 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304638802 | 32935806 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||
| 304638802 | 32952401 | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed | - | xxxx | xxxx |
03/14/2025 | 1 | A | A | A | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||||||
| 304638722 | 32924987 | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided | xxxx | xxxx |
02/26/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304638872 | 32941928 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
03/07/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304638872 | 32941929 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
03/07/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304638872 | 32941931 | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - | xxxx | xxxx |
03/07/2025 | 1 | C | A | C | A | C | A | C | A | MD | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304638912 | 32926388 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304638912 | 32926389 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304638908 | 32931093 | Compliance | Compliance | State Compliance | State HPML | (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided) | Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304638908 | 32931094 | Compliance | Compliance | State Compliance | State HPML | Maryland HPML Threshold Test Non-Compliant | Maryland Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 3.5%, or xxxx%. Non-Compliant Higher Priced Loan. | 2 | B | B | B | B | B | B | B | B | MD | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||||
| 304638795 | 32931733 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | VA income documentation for borrower was not provided | xxxx |
03/07/2025 | 1 | C | A | C | A | C | A | C | A | OH | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | |||||||||||
| 304638932 | 32932740 | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. | Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___. | xxxx | xxxx |
03/14/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304638823 | 32935846 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | xxxx |
03/13/2025 | 1 | B | A | C | A | B | A | B | A | ID | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304638823 | 33036141 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx | 2 | A | B | B | A | ID | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||||
| 304638922 | 32932259 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304638775 | 32936492 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
03/17/2025 | 1 | C | A | C | A | C | A | C | A | NY | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304638696 | 32966731 | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - | xxxx |
03/13/2025 | 1 | C | A | C | A | C | A | C | A | WA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Non QM | Non QM | No | ||||||||||||
| 304638815 | 32934279 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304638950 | 32936045 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has been employed in the same industry for more than 5 years. Borrower has owned the subject property for at least 5 years. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
03/03/2025 | 2 | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304638950 | 32936050 | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. | 2 | B | B | B | B | B | B | B | B | CA | Primary | Refinance - Cash-out - Other | B | B | B | B | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304638952 | 32943404 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | xxxx | xxxx |
03/14/2025 | 1 | B | A | C | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304638952 | 32943405 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx | xxxx |
03/14/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304638824 | 32935574 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. Borrower has owned the subject property for at least 5 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. |
798 FICO | SitusAMC,Aggregator SitusAMC SitusAMC |
xxxx |
03/18/2025 | 2 | C | B | C | B | C | B | C | B | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||
| 304638824 | 32966880 | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided | xxxx | xxxx |
03/11/2025 | 1 | C | A | C | A | C | A | C | A | VA | Primary | Refinance - Cash-out - Other | C | B | C | B | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304638843 | 32935236 | Credit | Missing Document | General | Missing Document | Missing Document: AVM not provided | xxxx | xxxx |
03/10/2025 | 1 | C | A | C | A | C | A | C | A | AL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No | ||||||||||||
| 304552725 | 32846408 | Compliance | Compliance | State Compliance | Compliance | 90 Day RNY has been discontinued effective June 1, 2024. Most recent available index value used for bona fide discount point testing. | 2 | B | B | B | B | B | B | B | B | AR | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||||
| 304498283 | 32852124 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx |
02/20/2025 | 1 | C | A | C | A | C | A | C | A | FL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304552713 | 32860500 | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Doc Error) Security Instrument Error: Notary Date was not provided | xxxx | 2 | B | B | B | B | B | B | B | B | UT | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304495126 | 32857810 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx | xxxx |
02/18/2025 | 1 | C | A | C | A | C | A | C | A | AZ | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304498296 | 32903013 | Compliance | Compliance | State Compliance | State Defect | (TX50(a)(6)) Texas Cash-out Loan (Fannie Mae forms not used for closing of home equity loan) | Texas Constitution Section 50(a)(6): Fannie Mae forms not used for closing of home equity loan. | 2 | B | B | B | B | B | B | B | B | TX | Primary | Refinance - Cash-out - Other | The failure to use FNMA Documents does not present a clear remediation path. | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304498372 | 32909206 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Borrower has verified disposable income of at least $2500.00. Borrower has worked in the same position for more than 3 years. The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%. The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. The qualifying DTI on the loan is at least 10% less than the guideline maximum. The representative FICO score exceeds the guideline minimum by at least 40 points. |
Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: xx/xx/xxxx | Aggregator SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC SitusAMC |
xxxx |
02/21/2025 | 2 | B | B | B | B | B | B | B | B | CA | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||
| 304636375 | 32939075 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Required exterior property condition report is missing | xxxx |
03/17/2025 | 1 | C | A | C | A | C | A | C | A | IL | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304497417 | 32933456 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304632851 | 32939077 | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type. | Property Type: ___ | xxxx | xxxx |
03/19/2025 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304632851 | 32939078 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
02/28/2025 | 1 | C | A | C | A | C | A | C | A | CO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304639764 | 32974697 | Credit | Credit | Miscellaneous | Guideline | Credit Exception: | Missing a copy of the required Property Condition Report | xxxx |
03/12/2025 | 1 | C | A | C | A | C | A | C | A | MO | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304632692 | 32949179 | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Status | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower. | xxxx | 2 | B | B | B | B | B | B | B | B | MI | Primary | Refinance - Cash-out - Other | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||||
| 304495180 | 32958064 | Credit | Title | Document Error | Title | The Preliminary/Commitment does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | xxxx | xxxx |
03/05/2025 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304572212 | 32986995 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | OR | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304639763 | 32968084 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | FL | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304494277 | 32967940 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx | xxxx |
03/08/2025 | 1 | C | A | C | A | C | A | C | A | OR | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | A | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304498338 | 32976688 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC) | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. | xxxx | 2 | B | B | B | B | B | B | B | B | WA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | B | B | A | A | B | B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||||
| 304636366 | 32984860 | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | TILA Rescission - Disbursement Date Less than 3 Business Days From Transaction Date | Truth in Lending Act: Subject loan transaction disbursed on xx/xx/xxxx, prior to three (3) business days from transaction date of xx/xx/xxxx. | xxxx | xxxx |
03/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304636366 | 33000339 | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | xxxx | xxxx |
03/11/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304636366 | 33000340 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | xxxx | xxxx |
03/13/2025 | 1 | B | A | C | A | B | A | B | A | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes | ||||||||||
| 304636366 | 33000341 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines | General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of 61.38630% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx | xxxx |
03/13/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304636366 | 33000342 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | xxxx |
03/13/2025 | 1 | C | A | C | A | C | A | C | A | NV | Primary | Refinance - Cash-out - Other | C | A | C | A | C | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304640020 | 32986886 | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. | xxxx | xxxx |
03/13/2025 | 1 | C | A | C | A | C | A | C | A | ME | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304498515 | 32992929 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx | xxxx |
03/12/2025 | 1 | B | A | C | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Higher Priced QM (APOR) | Non QM | Yes | ||||||||||
| 304498515 | 32992930 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx | xxxx |
03/12/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Higher Priced QM (APOR) | Non QM | No | |||||||||||
| 304498515 | 33022728 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx | 2 | A | B | B | A | CA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Higher Priced QM (APOR) | Non QM | No | |||||||||||||||||
| 304643217 | 33011325 | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. | - | xxxx | xxxx |
03/14/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | |||||||||||
| 304654691 | 33059995 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | NC | Investment | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304643010 | 33060308 | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | 2 | B | B | B | B | B | B | B | B | MO | Primary | Refinance - Cash-out - Other | B | B | B | B | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||||
| 304637675 | 33078949 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Non QM. | xxxx | xxxx |
03/24/2025 | 1 | B | A | C | A | B | A | B | A | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | Yes | ||||||||||
| 304637675 | 33078950 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM (APOR) Threshold Fail | Qualified Mortgage: QM APR on subject loan of xxxx% is equal to or greater than the threshold of xxxx%. | xxxx | xxxx |
03/24/2025 | 1 | C | A | C | A | C | A | C | A | CA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | No | |||||||||||
| 304637675 | 33103731 | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - General Ability to Repay | Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. | xxxx | 2 | A | B | B | A | CA | Primary | Refinance - Cash-out - Other | C | B | A | A | C | B | Safe Harbor QM (APOR) | Non QM | No | |||||||||||||||||
| 304639785 | 33173947 | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 | xxxx | xxxx |
04/02/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No | ||||||||||||
| 304639785 | 33173959 | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. | - | xxxx | xxxx |
04/02/2025 | 1 | C | A | C | A | C | A | C | A | GA | Primary | Refinance - Cash-out - Other | C | A | C | A | A | A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |