Exhibit 99.3 Schedule 2
| Redacted ID | Loan Number 1 | Loan Number 2 | Borrower Last Name | Exception ID | Client | Project | Pool | Fund | Loan Review Status | Property State | Original Loan Amount | Finding Category | Finding Sub-Category | FindingStatus | Finding Grade | Finding Description | Finding Comment | Lender Response | Lender Status |
| 80036044 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Credit | DTI | Active | 2: Acceptable with Warnings | * DTI > 60% (Lvl 2) | Monthly income and debts are updated as per final application. | ||
| 80036044 | xx | xx | xx | 40732d41-ff63-42f7-90be-34db1148c008 | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) | Operative index numerical value not available based on lender doc. | ||
| 80036044 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Credit | DTI | Active | 2: Acceptable with Warnings | * DTI > 60% (Lvl 2) | Monthly income and debts are updated as per final application. | ||
| 42531345 | xx | xx | xx | 6d175d99-f2e3-4d75-80a0-682f8b85b1ea | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Truth in Lending Disclosure is Missing (Lvl 2) | Initial TIL is missing in the loan file. | ||
| 42531345 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing in the loan file. | ||
| 42531345 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Good Faith Estimate missing or unexecuted (Lvl 2) | Final GFE is missing in the loan file. | ||
| 42531345 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing in the loan file. | ||
| 42531345 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing in the loan file. | ||
| 42531345 | xx | xx | xx | e99b279c-a3fe-4039-91dc-3f33c0f684d9 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Good Faith Estimate is Missing (Lvl 2) | Initial GFE is missing in the loan file. | ||
| 42531345 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | An illegible copy of HUD-x available in the loan file located at “xx”. | ||
| 36790294 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 36790294 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | TILA finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$x,xxx.xx. Reason for finance charge under disclosure is unknown as the fee itemization is missing. TRID total of payment disclosed on final CD as $x,xxx,xxx.xx. Calculated total of payments is $x,xxx,xxx.xx for an under disclosed amount of -$x,xxx.xx. Reason for the disclosed total of payments of $x,xxx,xxx.xx is not considered accurate because it is understated by more than $xxx. Subject loan is a refinance, originated on xx/xx/xxxx and the x-year SOL has expired. |
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| 36790294 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | This loan failed the amortization test as the loan has a date creditor received application after January xx, xxxx, the loan is not fully amortizing, and the loan contains an interest-only feature. | ||
| 36790294 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | The tape shows the points and fees charged of $xx,xxx.xx exceed the QM-ATR threshold of x% after the loan was modified with UPB of $xx. Further details not provided. Infinity compliance results do not fail the QM points and fees test. | ||
| 36790294 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Idaho | xx | Credit | Doc Issue | Active | 3: Curable | * Missing proof of hazard insurance (Lvl 3) | Hazard insurance policy is missing from the loan documents. | ||
| 7066522 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of $x,xxx.xx. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is refinance case, originated on xx/xx/xxxx and the SOL is x years. TRID total of payment disclosed on final CD as $xxx,xxx.xx. Calculated total of payments is $xxx,xxx.xx for an under disclosed amount of $x,xxx.xx. Reason for the disclosed total of payments of $xxx,xxx.xx is not considered accurate because it is understated by more than $xxx. Subject loan is refinance case, originated on xx/xx/xxxx and the SOL is x years. Subject loan is a refinance, originated on xx/xx/xxxx and the x-year SOL has expired. |
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| 7066522 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 7066522 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed GSE (Fannie Mae Public Guidelines) amortization test due to the loan contains an interest-only feature. Loan failed qualified mortgage interest only test due to this loan is an interest only loan. |
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| 7066522 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report in the loan file is subject to completion per plans and specifications. The subject loan is construction to permanent, and a xxxxD report is available, but minor touch-up items are still needed, including hanging the interior doors and doing some minor touch-up paint. The cost to cure is not available. Final CD reflect escrow holdback in the amount of $xxx,xxx.xx. | ||
| 7066522 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | The tape shows the points and fees charged of $x,xxx.xx exceed the QM-ATR threshold of x% after the loan was modified with UPB of $xx. Further details not provided. Infinity compliance results do not fail the QM points and fees test. | ||
| 96685179 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 96685179 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject was approved at xx%. Tape shows income miscalculation. The revised DTI is xx%. Lender defect. Further details were not provided. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a quality assurance coordinator at xx, FICO xxx, xXxx since inception, $xxK equity in the subject, and $x,xxx residual income. | ||
| 73009595 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Valuation | Property | Active | 2: Acceptable with Warnings | * Property is Manufactured Housing (Lvl 2) | Home is affixed. As per appraisal report, the subject property is manufactured home. Affixation affidavit is available at xx which states property is permanently affixed to the land and VIN/Serial# is xx. |
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| 73009595 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan lost AUS approval as a result of updating property type as a manufactured home. The DU report available in the file shows property type incorrectly submitted as SFR. FNMA would not allow a manual UW, nor would they allow a principal reduction to bring down LTV to receive an approve/eligible. Further details were not provided. | ||
| 73009595 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Underwriting | Active | 3: Curable | * Transmittal (1008) is Missing (Lvl 3) | Final transmittal summary is missing from the loan documents. | ||
| 73009595 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Other Disclosures | Active | 3: Curable | * Missing Required Disclosures (Lvl 3) | The home loan toolkit is missing from the loan documents. | ||
| 73009595 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 73009595 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed compliance ease delivery and timing test for initial loan estimate dated xx/xx/xxxx and hand-signed on xx/xx/xxxx of which is greater than x days from the initial application date xx/xx/xxxx. Unable to determine delivery date due to missing document tracker. TRID is failing for timing of initial LE. The subject loan is a purchase case, originated on xx/xx/xxxx, and the SOL is x year. | ||
| 73009595 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test and charges that in total cannot increase more than xx% tolerance test due to loan failed initial LE estimate delivery and timing test. Initial LE dated xx/xx/xxxx delivered on xx/xx/xxxx which is more than x business days from initial application date xx/xx/xxxx. The subject loan is a purchase case, originated on xx/xx/xxxx, and the SOL is x year. | ||
| 37045662 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | Home loan toolkit is missing from the loan documents. | ||
| 37045662 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows lender failed to obtain supporting documents for receipt of child support income and omission of mortgage debt on departure REO property. Revised DTI is xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is expired. BWR has x years on the job as an xx at xx, FICO xxx, $xxK equity in the subject, and $x,xxx residual income. | ||
| 37045662 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 63989573 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Mortgage Broker Fee (Indirect) $xx,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx. |
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| 63989573 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower’s income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU (Locator# xx) and its recommendation is Approve/Eligible with a DTI of xx%. | ||
| 63989573 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan fails qualified mortgage lending policy points and fees test due to fees charged $xx,xxx.xx fees threshold $xx,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Mortgage Broker Fee (Indirect) $xx,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx. |
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| 63989573 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 63989573 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows the lender failed to establish the BWRs income stability and BWR misrepresented debts. The revised DTI is xx%. Further details are not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is expired. BWRx has x.xx years on the job as a xx at xx; BWRx has x.xx years on the job as an xx, FICO xxx, and $xxxK equity in the subject." | ||
| 47236285 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | Mortgage insurance certificate is missing from loan documents. | ||
| 47236285 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 47236285 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of $xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/xxxx and the x-year SOL is expired. | ||
| 47236285 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows lender used non occupant BWRx income to qualify and failed to document credit report for BWRx. The revised DTI is xx.xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is expired. BWRx has xx.xx years on the job as a xx; BWRx receives retirement income, FICO xxx, xXxx since inception, and $xxxK equity in the subject. | ||
| 47236285 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 8869494 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 2: Acceptable with Warnings | * Property is Manufactured Housing (Lvl 2) | The home is affixed to the land. As per appraisal report located atxx the subject property is a manufactured home. The VIN/serial number is available in the manufactured home rider which is located at xx. | ||
| 8869494 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan closed with an LTV of xx% is uninsurable as the appraised value of $xx is less than the sales price of $xx. Further details were not provided. Realtor.com search shows an estimated value of $xx. Current UPB $xx. | ||
| 8869494 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from loan documents. | ||
| 8869494 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflect Points - Loan Discount Fee $x,xxx.xx. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee $x,xxx.xx Loan estimate dated xx/xx/xxxx does not reflect Appraisal Re-Inspection Fee. Final CD dated xx/xx/xxxxreflects Appraisal Re-Inspection Fee at +$xxx.xx. This is a cumulative increase in fee of $xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is Purchase case, originated on xx/xx/xxxx and the x year SOL is expired. |
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| 8869494 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 8869494 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 42468031 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from loan documents. | ||
| 42468031 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit on CD dated xx/xx/xxxx. Initial CD dated xx/xx/xxxx reflects lender credit at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects lender credit at $xxx.xx. This is a decrease of $xx.xx for fee which has x% tolerance test. A valid COC for the decrease in NSLC is missing from the loan documents. The subject loan is purchase case, originated on xx/xx/xxxx, and the x-year SOL has expired. | ||
| 42468031 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows income and asset misrepresentation. File shows $xx assets; cash to close required $xx. Revised DTI is xx%. Further details were not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is expired. BWR has x months on the job as a xx, FICO xxx, and $xxk equity in the subject. | ||
| 99800375 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | * Missing proof of hazard insurance (Lvl 3) | Valid proof of hazard insurance doc is missing from loan file. | ||
| 99800375 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | Loan failed qualified mortgage lending policy points and fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Lender Fee paid by Borrower: $x,xxx.xx Mortgage Broker Fee paid by Borrower: $x,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx. |
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| 99800375 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan failed GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Lender Fee paid by Borrower: $x,xxx.xx Mortgage Broker Fee paid by Borrower: $x,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx. |
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| 99800375 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the BWR did not complete homeownership counseling prior to closing. Further details not provided. | ||
| 99800375 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Underwriting | Active | 3: Curable | * Transmittal (1008) is Missing (Lvl 3) | Transmittal summary is missing from the loan documents. | ||
| 99800375 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is, and the photo addendum reflects some repairs at for chipping paint in the pan of the primary bath shower, a hole in stucco at the rear, trim at the front and rear, and wear/age is showing on the entry door and trim. The appraisal report does not reflect the cost of completing the work. xxxxD report is missing from the loan documents. Also, the final CD does not reflect any holdbacks. | ||
| 99800375 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from loan documents. | ||
| 90923872 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 90923872 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | * Missing Initial Closing Disclosure (Lvl 3) | As per the document tracker located at xx, the initial CD dated xx/xx/xxxx is missing from the loan documents. | ||
| 90923872 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete due to initial CD is missing from the loan documents. The subject loan is a refinance, originated on xx/xx/xxxx and the x-year SOL is active. | ||
| 90923872 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | AUS | Active | 3: Curable | * Missing DU/GUS/AUS as required by guidelines (Lvl 3) | LP report is missing from the loan documents. | ||
| 90923872 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | Tape shows loan fail QM eligibility requirements. Mavent report in file shows points and fees charged at closing exceeded QM points and fees threshold. The lender provided post-consumption CD with lender credit of $x,xxx.xx as cure for QM points and fees test failure. Further details not provided. | ||
| 50808189 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | ComplianceEase TRID tolerance test is incomplete due to the initial LE missing from the loan documents. | ||
| 50808189 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 4: Unacceptable | * Property Marketability Issues (Lvl 4) | Tape shows supporting documents for complete details on the special assessment of $xM approved for the condo project and litigation judgment in favor of HOA referred in the CondoAnalytics report are missing from the loan documents. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB $xx. | ||
| 50808189 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. The tape shows SE income miscalculation as BWR's pension income reported on K-x was not verified by business tax returns. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR receives SSI and retirement income, FICO xxx, xXxx since inception, and $xxxK equity in the subject. | ||
| 50808189 | xx | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Missing Initial LE (Lvl 3) | Document tracker located at xx reflects initial LE was sent on xx/xx/xxxx. Initial LE is missing from the loan documents. | ||
| 50808189 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 41513455 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. The subject loan originated on xx/xx/xxxx, and the x-year TILA SOL is active. Subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. |
||
| 41513455 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan is uninsured by the VA as the BWR does not have any entitlement remaining. Further details not provided. | ||
| 41513455 | xx | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 3: Curable | * Missing Initial LE (Lvl 3) | Initial loan estimate is missing from the loan documents. | ||
| 41513455 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | Compliance ease TRID tolerance test is incomplete due to initial loan estimate is missing from the loan documents. | ||
| 41513455 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from loan documents. | ||
| 89140020 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan is uninsured. Further details were not provided. | ||
| 89140020 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the Pennsylvania license validation test. | ||
| 89140020 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from loan documents. | ||
| 23020572 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 23020572 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is subject to repairs for missing water heater dual seismic straps that need to be installed. Estimated cost to cure is $xxx.xx. The xxxxD/Completion report is missing from the loan documents, and the final CD does not reflect escrow holdback. | ||
| 23020572 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Subject loan was approved at xx%. Tape shows rental income miscalculation. Revised DTI is xx%. BWRx has x.xx years on the job as a xx, FICO xxx, $xxK equity in the subject, xXxx since inception and $x,xxx residual income. | ||
| 23020572 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan failed compliance ease delivery and timing test for revised closing disclosure dated xx/xx/xxxx. Document tracker is missing, and x business days were added to get the receipt date xx/xx/xxxx, which is after the consummation date xx/xx/xxxx. | ||
| 84591906 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 84591906 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the terms of the subordinate financing loan are missing from the loan package. The subject loan closed with a subordinate financing loan of $xx and note, mortgage with loan terms, and final CD of the subordinate loan is available in the loan package. Further details not provided. | ||
| 84591906 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | The tape shows that the appraiser failed to provide sufficient analysis and market data to support that the appraisal sales were in competitive neighborhoods. The comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x, with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 33261579 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Underwriting | Active | 3: Curable | * Transmittal (1008) is Missing (Lvl 3) | Transmittal summary at the time of closing is missing from the loan documents. | ||
| 33261579 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 33261579 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | The tape shows the subject condo is a non-warrantable project. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB $xx. | ||
| 16869309 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 16869309 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final xxxx is missing from the loan file. | ||
| 16869309 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report at the time of origination of the loan is missing from the loan file. | ||
| 16869309 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x and an estimated HUD-x/Fee itemization are not available from the file. | ||
| 3363862 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final xxxx is missing from the loan file. | ||
| 3363862 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-x (Settlement Statement) is missing from the loan file however, the estimated HUD-x or fee itemization not found in the loan file. | ||
| 3363862 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 3363862 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. | ||
| 13803860 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report at the time of origination of the loan is missing from the loan file. | ||
| 13803860 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 13803860 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final xxxx is missing from the loan file. | ||
| 13803860 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x and an estimated HUD-x/Fee itemization are not available from the file. | ||
| 81191707 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape shows Fannie Mae did not agree with the use of comparables. Appraisal report shows that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Realtor.com search shows an estimated value of $xx. Current UPB is $xx. | ||
| 45892773 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | The tape shows the CD dated xx/xx/xxxx reflecting a change in the loan product from ARM to fixed rate, and the change in APR was not delivered x business days prior to the consummation date. Infinity compliance report fails delivery and timing test due to APR disclosed was inaccurate and requires a new x-day waiting period to be satisfied prior to the consummation date. Further details not provided. | ||
| 45892773 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. | ||
| 45892773 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 14371676 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 14371676 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows rental income miscalculation as the lender considered rental income from departure REO based on the lease agreement, and the REO was listed for rent shortly after closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x months on the job as president/CEO at xx, FICO xxx, and $xx equity in the subject. | ||
| 96069572 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows lender used BWR departing residence lease in DTI calculations. BWR listed prior residence for sale prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x months on the job as an xx and x.x prior years with Accenture, FICO xxx, xXxx since inception, and $xxK equity in the subject. |
||
| 96069572 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 70682549 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan is NOO and was approved at xx%. Tape shows BWR was qualified based on a new employment offer and never started the new job. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR started the new job on xx/xx/xxxx as a xx, FICO xxx, xXxx since inception, and $xx equity in the subject. | ||
| 79125576 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 79125576 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows BWRx did not return to work from leave. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has been SE for x.xx years at Fekadu xx; BWRx has x.x years on the job as an xx, FICO xxx, xXxx since inception, and $xxxK equity in the subject. | ||
| 79125576 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the x-year SOL is active. | ||
| 79125576 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 71008660 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 71008660 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWRx was not employed prior to closing. The revised DTI is xx%. Further details not provided. BWR defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx BWRx has x.xx years on the job as a xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. | ||
| 52188812 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows a gift by donor who is BWR's spouse is not acceptable on NOO loan as the gift donor is not included as co buyer on the purchase agreement. Bank statement in file shows gift deposit of $xxxK supported with gift letter. | ||
| 15109141 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows rental income from ADU of subject property is not supported by agency guideline. Further details not provided. Lender defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has xx.xx years on the job as a xx, BWRx has x year on the job as a xx, FICO xxx, and $xxK equity in the subject. | ||
| 15109141 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 6868872 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 6868872 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows BWR listed the subject property for sale after closing. Review treating as NOO causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been SE for xx.xx years as a xx, the BWR receives SSI income, FICO xxx, xXxx since inception, and $xxxK equity in the subject. | ||
| 6868872 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | * Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows BWR listed the subject property for sale after closing. Review treating as NOO. Further details not provided. Elevated for client review. | ||
| 6184699 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by borrower is missing from the loan documents. | ||
| 6184699 | xx | xx | xx | 249ccfc8-8061-4638-a74f-933a4ad40fc5 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Credit | Legal Docs | Active | 4: Unacceptable | * Loan has escrow holdback. No proof it was released (Lvl 4) | Final CD reflects escrow holdback in the amount of $xx,xxx. Proof for release of escrow holdback is missing from the loan documents. | ||
| 6184699 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Valuation | Doc Issue | Active | 4: Unacceptable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape and appraisal report show subject to repairs for all interior walls and ceilings, the exterior roof, a hole in the kitchen wall, and the septic system that needs to be installed. xxxxD is missing from the loan documents. The final CD reflects the escrow holdback in the amount of $xx,xxx. | ||
| 6184699 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 6184699 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test and charges that in total cannot increase more than xx% tolerance test due to loan failed Initial LE estimate delivery and timing test. Initial LE dated xx/xx/xxxx delivered on xx/xx/xxxx which is more than x business days from initial application date xx/xx/xxxx. This loan failed the TRID Rate Lock Disclosure Delivery Date Test. The subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. |
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| 32087966 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows lender was unable to verify occupancy. Review is treating as NOO causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x months on the job as a xx. BWRx has x.xx years on the job as a xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. |
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| 32087966 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 32087966 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | New Hampshire | xx | Credit | Data Edit | Active | 4: Unacceptable | * Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows unable to verify occupancy. Review treating as NOO. Further details not provided. Elevated for client review. | ||
| 99016557 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows undisclosed debt, and the revised DTI is xx%. BWR defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is expired. BWR receives retirement income, FICO xxx, xXxx since inception, and $xxK equity in the subject. | ||
| 99016557 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Compliance failing for state regulations. PA license validation test. In the state of PA, lender is licensed under state ID#xx as per NMLS web site. | ||
| 99016557 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | Settlement services provider list is missing from loan documents. | ||
| 99016557 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower’s income is $x,xxx.xx and total expenses are in the amount of $xxx.xx and the loan was underwritten by LP (Locator# xx) and its recommendation is Accept with a DTI of xx%. | ||
| 99016557 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 99016557 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. | ||
| 61593178 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Credit | Data Edit | Active | 4: Unacceptable | * Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows BWR listed the subject property for sale the day after closing. Review treating as NOO. Further details not provided. Elevated for client review. | ||
| 61593178 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows BWR listed the subject property for sale the day after closing. Review treating as NOO causing lender to xx. Further details not provided. BWR defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has been SE for x.xx years at xx; BWRx started the new job on xx/xx/xxxx as a xx. FICO xxx, xXxx since inception, and $xxK equity in the subject. | ||
| 83890119 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $x,xxx.xx. This is a cumulative increase of $xx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. | ||
| 83890119 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 83890119 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | Settlement services provider list is missing from loan documents. | ||
| 83890119 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. | ||
| 83890119 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape reflects an increased DTI of xx%. Further details were not provided. The subject loan originated on xx/xx/xxxx, and the x-year SOL is expired. BWR has been SE for xx.xx years at xx BWR x has xx.xx years on the job as a xx, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. | ||
| 83890119 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape shows appraisal report has deficiencies, and the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. Further details not provided. | ||
| 83890119 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 64507511 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges than in total cannot increase more than xx% tolerance test. Initial CD dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $xxx.xx. Final CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $xxx.xx. This is a cumulative increase of $xx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. |
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| 64507511 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 64507511 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 64507511 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan closed with an LTV of xx% that exceeds the LTV threshold of Freddie Mac for manufactured homes. Further details not provided. | ||
| 64507511 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Valuation | Property | Active | 2: Acceptable with Warnings | * Property is Manufactured Housing (Lvl 2) | The home is affixed to the land. As per appraisal report located at xx the subject property is a manufactured home. The affidavit of affixation document available in loan files at xx reflects that the home is affixed permanently to the land. The serial number is xx. | ||
| 79161369 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. Reason for finance charge under disclosure is unknown as the fee itemization is missing. The subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL is expired. | ||
| 79161369 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 79161369 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower’s income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU (Locator#xx) and its recommendation is Approve/Eligible with a DTI of xx%. | ||
| 79161369 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | Tape shows the subject loan failed the QM points and fees test. Further details not provided. Infinity compliance result shows the loan failed QM points and fees test. | ||
| 79161369 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Document Preparation Fee paid by Borrower: $xxx.xx Mortgage Insurance Premium paid by Borrower: $xx,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $xxx.xx Tax Monitoring Service Fee paid by Borrower: $xx.xx Underwriting Fee paid by Borrower: $xxx.xx. |
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| 79161369 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails qualified mortgage lending policy points and fees test due to fees charged $xx,xxx.xx fees threshold $xx,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Document Preparation Fee paid by Borrower: $xxx.xx Mortgage Insurance Premium paid by Borrower: $xx,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $xxx.xx Tax Monitoring Service Fee paid by Borrower: $xx.xx Underwriting Fee paid by Borrower: $xxx.xx. |
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| 55246385 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 55246385 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/xxxx. LE dated xx/xx/xxxx reflects Lender Credit at $xxx.xx, Final CD dated xx/xx/xxxx reflects Lender Credit at $xxx.xx. This is decrease of $xx.xx for fee which has x% tolerance test. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. | ||
| 55246385 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final application is missing from the loan document. | ||
| 55246385 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape shows appraisal report has deficiencies, and the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. Further details not provided. | ||
| 48021088 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | The tape shows the subject loan failed the QM and HPML test. Further details not provided. Infinity compliance result shows that the loan failed QM safe harbor and HPML tests. | ||
| 48021088 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan failed GSE (Fannie Mae public guidelines) QM APR test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. Loan failed qualified mortgage APR threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. |
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| 48021088 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 48021088 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). Loan failed the MA xxx CMR xx.xx higher-priced mortgage loan test (MA xxx CMR xx.xx) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. |
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| 48021088 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed qualified mortgage safe harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. Subject loan is escrowed. | ||
| 48021088 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU (Locator# xx) and its recommendation is approve/eligible with a DTI of xx%. | ||
| 86355997 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | The credit report is missing from the loan documents. | ||
| 86355997 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape shows appraisal report has deficiencies, and the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. Further details not provided. | ||
| 32100677 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | ComplianceEase TRID tolerance test is incomplete due to the initial LE missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and x-year SOL has expired. | ||
| 32100677 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is purchase case, originated on xx/xx/xxxx and the x year SOL is expired. | ||
| 32100677 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower’s income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx. The loan was underwritten by DU (Locator#xx) and its recommendation is approve/eligible with a DTI of xx%. | ||
| 32100677 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$xxx.xx. The below fees were included in the test: Mortgage Insurance Premium $x,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx |
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| 32100677 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report in the loan file is as-is. Photo addendum of the appraisal report shows the basement has missing false ceiling blocks and noted water stains and dampness and unsecured steps at the enclosed porch. The estimated cost to cure is not available in the loan file. xxxxD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. | ||
| 32100677 | xx | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | * Missing Initial LE (Lvl 3) | Initial loan estimate is missing from the loan documents. | ||
| 32100677 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails QM lending policy points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$xxx.xx. The below fees were included in the test: Mortgage Insurance Premium $x,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx |
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| 32100677 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows tax returns are missing, and the lender omitted debt without supporting documents. Further details not provided. Lender defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been SE for x.xx years at xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. | ||
| 32100677 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 32100677 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | * Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from the loan documents. | ||
| 32100677 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Delaware | xx | Compliance | Compliance | Active | 3: Curable | * Missing Required Disclosures (Lvl 3) | List of service providers disclosure is missing from the loan documents. | ||
| 81492744 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows undisclosed debt with a monthly payment of $xxx and there were paystub inconsistencies. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x months on the job as an xx, has been xx for x.xx years at xx, and receives SSI income, FICO xxx, $xxK equity in the subject, and $x,xxx residual income." | ||
| 80231632 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape shows a loan incorrectly reported to FNMA as a PIF. As per tape, the loan is performing. Further details not provided. According to the payment history as of xx/xx/xxxx, the borrower is current with the loan. The next due date is xx/xx/xxxx. | ||
| 80231632 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | Settlement service providers disclosure is missing from the loan documents. | ||
| 80231632 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Intent to Proceed Missing (Lvl 2) | Intent to proceed is missing from the loan documents. | ||
| 80231632 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL has expired. | ||
| 80231632 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a)(x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. |
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| 80231632 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from loan documents. | ||
| 80231632 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx does not reflect Appraisal Re-Inspection Fee. Final CD dated xx/xx/xxxx reflects Appraisal Re-Inspection Fee at $xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL has expired. Loan failed charges that in total cannot increase more than xx% tolerance test due to LE dated xx/xx/xxxx, which reflects the sum of Section C fees and Recording fee at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $x,xxx.xx. This is a cumulative increase of +$xxx.xx for charges that in total cannot increase more than xx% test. Valid COC for the increase in fee is not available. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL has expired. |
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| 15042960 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape shows income used for qualifying has exceeded the xx loan program guidelines. Further details not provided. | ||
| 15042960 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 15042960 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as-is. The photo addendum of the subject shows the fascia board, and the shed requires painting. The estimated cost to cure is not available in the loan file. xxxxD is missing from the loan documents, and the final CD does not reflect any escrow holdback amount. | ||
| 69382893 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows income was not properly documented and debts were not paid off at closing. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.xx years on the job as an xx; BWRx has x.xx years on the job as an xx, FICO xxx, xXxx since inception, $xxxK equity in the subject, and $xxx residual income. Downgrade to LVLx based on PH. |
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| 69382893 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 87432226 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 87432226 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape appraisal report shows that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Redfin search shows an estimated value of $xx. Current UPB is $xx. | ||
| 75166833 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 75166833 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect points - loan discount fee. Final CD dated xx/xx/xxxx reflects points - loan discount fee at $xxx.xx. This is an increase in fee of $xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL is expired. | ||
| 75166833 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 75166833 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 27203434 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx. Loan closed as manual underwriting. | ||
| 27203434 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 27203434 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. The tape shows borrower income documentation is not acceptable by lender. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL will expire on xx/xx/xxxx. BWR has x months on the job as xx. BWR has had multiple jobs in the past, FICO xxx, xXxx in the last xx months, and $xx equity in the subject. | ||
| 23356581 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $x,xxx.xx. This is a cumulative increase of $xxx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the x year SOL has expired. | ||
| 23356581 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 2: Acceptable with Warnings | * Property is Manufactured Housing (Lvl 2) | The home is affixed to the land. As per appraisal report located at xx the subject property is a manufactured home. The affidavit of affixation document available in loan files at xx reflects that the home is affixed permanently to the land. The serial# xx. | ||
| 23356581 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a purchase, originated on xx/xx/xxxx and the x year SOL has expired. | ||
| 23356581 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | Tape shows TRID violation due to LE issued after initial CD was issued. Further details not provided. | ||
| 23356581 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | Settlement service provider list is missing from the loan documents. | ||
| 12922378 | xx | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing flood cert (Lvl 2) | Flood certification document is missing from the loan documents. | ||
| 12922378 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | Compliance ease TRID tolerance test is incomplete due to Initial CD is missing from loan documents. Subject loan is refinance case, originated on xx/xx/xxxx and the x-year SOL has expired. | ||
| 12922378 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 12922378 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | * Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. | ||
| 12922378 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape shows incorrect appraisal was ordered. The lender documented an exterior-only inspection report with an appraised value of $xx. The appraisal report with the interior and exterior inspection of the property is missing from the loan file. | ||
| 60506044 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows loan is uninsurable due to multiple case numbers. The subject loan closed with case #xx. Further details not provided. | ||
| 60506044 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Initial Closing Disclosure (Lvl 2) | Initial closing disclosure is missing from the loan documents. | ||
| 60506044 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | FHA mortgage insurance certificate is missing from the loan documents. | ||
| 60506044 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 60506044 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | The TRID tolerance test is incomplete as the initial CD is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx, and the SOL is x year. | ||
| 40907398 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Pre-QM | QC Complete | Michigan | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * TIL not hand dated (Lvl 2) | Final TIL is not hand dated by the borrower. | ||
| 94608144 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 94608144 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU (Locator#xx) and its recommendation is Approve/Eligible with a DTI of xx%. | ||
| 94608144 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows PMI was cancelled due to nonpayment. Further details not provided. | ||
| 14474555 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | Pre-QM | QC Complete | Michigan | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The appraisal report reflects as-is conditions. The improvement section shows a roof leak over the rear foyer. Estimated cost to cure is $xxx.xx. The updated xxxxD/completion report is missing from the loan documents, and the final HUD-x does not reflect the escrow holdback amount. | ||
| 14474555 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Michigan | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows no inspection before closing. An appraisal report with an appraised value of $xx is available in the loan file. Further details not provided. | ||
| 91389706 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete as the initial CD is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the x-year SOL is expired. | ||
| 91389706 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | The mortgage insurance certificate is missing from the loan documents. | ||
| 91389706 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Initial Closing Disclosure (Lvl 2) | The initial closing disclosure is missing from the loan documents. | ||
| 91389706 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows loan is uninsured by FHA. Further details not provided. | ||
| 27514862 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | The Pennsylvania HB xxxx requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective xx. | ||
| 27514862 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete due to initial CD is missing from the loan documents. | ||
| 27514862 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 27514862 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Initial Closing Disclosure (Lvl 2) | Initial CD is missing from the loan documents. | ||
| 27514862 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | FHA MI certificate is missing from the loan documents. | ||
| 27514862 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan is uninsurable by FHA due to CU. Further details not provided. | ||
| 33396894 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | * Property is Manufactured Housing (Lvl 3) | The home is affixed to the land. As per the appraisal report dated xx/xx/xxxx located at xx, the subject property is a single family. The updated title report dated xx/xx/xxxx shows the subject property is a manufactured home. The affidavit of affixation document is available in loan files located at xx, reflecting that the home is affixed permanently to the land. The VIN/serial number mentioned on the affidavit is redacted. Downgraded to LVLx based on overall affidavit. | ||
| 33396894 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The appraisal report was subject to completion, and xxxxD confirms that the subject property has been completed. Review of Realtor.com and the other sites shows land only with an estimated value of $xx. Current UPB $xx. Tape shows subject loan does not meet seasoning period requirement for cash-out refinance. Further details not provided. |
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| 20657382 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. | ||
| 20657382 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by LP (Locator# xx) and its recommendation is Accept with a DTI of xx%. | ||
| 20657382 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. | ||
| 20657382 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows BWRx commission income miscalculation as the BWR does not have a x-year history of receiving commission income, and BWRx has student loan debt omitted from the DTI calculation. The revised DTI is xx%. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, and BWRx has x year on the job as a xx, FICO xxx, $xxxK equity in the subject. SOL expired; downgraded to LVLx. |
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| 20657382 | xx | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Credit | Doc Issue | Active | 3: Curable | * Missing flood cert (Lvl 3) | Flood certificate is missing from the loan documents. | ||
| 20657382 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Utah | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 39714037 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows undisclosed debt opened prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is expired. BWR has x.xx years on the job as an xx, FICO xxx, and $xxxK equity in the subject. | ||
| 39714037 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 68629084 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows lender did not update VOE as BWR switched jobs prior to closing. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, and $xxxK equity in the subject. | ||
| 68629084 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 68629084 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower’s income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by LP (Locator# xx) and its recommendation is Accept with a DTI of xx%. | ||
| 37910080 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan is uninsurable as it was refinanced within xx months, and the lender did not use the acquisition cost/price of prior transfer of $xx for LTV calculation. Lender used appraised value of $xx and closed the subject loan at LTV/CLTV of xx%. Further details not provided. | ||
| 37910080 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 37910080 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. | ||
| 37910080 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower’s income is $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx, and the loan was underwritten by DU (Locator#xx), and its recommendation is Approve/Eligible with a DTI of xx. | ||
| 37910080 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation | Property | Active | 2: Acceptable with Warnings | * Property is Manufactured Housing (Lvl 2) | Home is affixed to the land. According to the appraisal report located at “xx,” the type of subject property is a manufactured home. The ALTA x Endorsement is attached with the final title policy located at “xx.” The VIN# mentioned on the MH rider located at “xx” is VIN#xx. The MH affixation document is available at "xx," which shows the subject property has been affixed. |
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| 63725350 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The home loan toolkit is missing from the loan documents. | ||
| 63725350 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as conditions and photos addendum show the subject laundry room needs to be repainted. Estimate cost to cure is not available in the loan file. The updated xxxxD/completion report is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. | ||
| 63725350 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. | ||
| 63725350 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects appraisal fee at $xxx.xx. Final CD dated xx/xx/xxxx reflects appraisal fee at $x,xxx.xx. This is an increase in fee of $xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. | ||
| 63725350 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Seller tape shows COVID forbearance. | ||
| 63725350 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 70640905 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows P&L used is unacceptable, and the revised DTI is over xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been SE for xx.xx years at xx. FICO xxx, $xxxK equity in the subject and $xx,xxx residual income. Downgrade to LVLx based on PH. |
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| 70640905 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | The tape shows the loan is unsalable due to unfinished pool and landscaping. Seller notes shows this has been cured. Further details not provided. Realtor search shows an estimated value at $xx. Subject originated xx/xx/xx and the UPB is $xx. | ||
| 70640905 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Underwriting | Active | 3: Curable | * Transmittal (1008) is Missing (Lvl 3) | Final transmittal summary is missing from the loan documents. Available xxxx is post close. | ||
| 70640905 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL x year has expired. | ||
| 70640905 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects Points - Loan Discount Fee $x,xxx.xx and Appraisal Fee $xxx.xx. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee $x,xxx.xx and Appraisal Fee $xxx.xx. This is an increase in fee of $x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL x year has expired. | ||
| 70640905 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Doc Issue | Active | 3: Curable | * Missing Appraisal (Lvl 3) | The appraisal report is missing from the loan documents. Realtor search shows an estimated value at $xx. Current UPB is $xx. Elevated for client review. | ||
| 70640905 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Credit | Active | 3: Curable | * Missing Initial 1003_Application (Lvl 3) | Initial application signed by loan originator is missing from the loan documents. | ||
| 70640905 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | * Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents. | ||
| 8776094 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 8776094 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | The tape shows the loan has failed the QM price-based limit test. Infinity compliance results show that the loan failed the higher-priced mortgage loan test. Further details not provided. | ||
| 8776094 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. | ||
| 8776094 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). Loan failed the CA AB xxx higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). |
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| 39230663 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows missing or incorrect information in the loan documentation. Further details not provided. | ||
| 39230663 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan failed ComplianceEase delivery and timing test for Initial CD dated xx/xx/xxxx. Document tracker is missing and x business days were added to get receipt date xx/xx/xxxx and the initial closing disclosure receipt date is less than three business days before the consummation date xx/xx/xxxx. | ||
| 39230663 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 39230663 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | * Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from loan documents. | ||
| 39230663 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | * Missing Required Disclosures (Lvl 3) | List of service providers disclosures is missing from loan documents. | ||
| 39230663 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | * Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling organizations disclosure is missing from loan documents. | ||
| 52734717 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 52734717 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | AUS | Active | 3: Curable | * Missing DU/GUS/AUS as required by guidelines (Lvl 3) | AUS report is missing from the loan documents. Post close AUS is available in the loan documents. | ||
| 52734717 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows miscalculation of student loan debt and the revised DTI is xx%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx. BWRx has x.xx years on the job as a xx, FICO xxx, xXxx since inception, $xx equity in the subject, and $x,xxx residual income. | ||
| 75447857 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR was not employed at the time of closing. Further details not provided. BWR defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x months on the job as a xx. Additionally, BWR has worked multiple jobs as a xx, FICO xxx, xXxx since inception, and $xxxK equity in the subject. | ||
| 75447857 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test and charges that in total cannot increase more than xx% tolerance test due to loan failed initial LE estimate delivery and timing test. Initial LE dated xx/xx/xxxx delivered on xx/xx/xxxx which is more than x business days from initial application date xx/xx/xxxx. | ||
| 75447857 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 75447857 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 11136951 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 3: Curable | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow disclosure is missing from the loan documents. | ||
| 11136951 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from loan documents. | ||
| 11136951 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows income miscalculation as lender did not include BWRx SE loss. Further details not provided. Review shows the revised DTI is over xx%. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has been xx. BWRx has xx.xx years on the job as a xx, FICO xxx, xXxx since inception, and $xx equity in the subject. | ||
| 11136951 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | The TRID tolerance test is incomplete as the initial CD is missing from loan documents. The subject loan is a purchase, originated on xx/xx/xxxx, and the SOL is x year. | ||
| 11136951 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulation for the prohibited fees test. The following fees were included in the test: Attorney's Fees paid by Seller: $x,xxx.xx Condo dues paid by Borrower: $x,xxx.xx Real Estate Commission paid by Seller: $xx,xxx.xx Real Estate Transaction fee paid by Seller: $xxx.xx Title - Flood determination fee paid by Borrower: $xx.xx Title - Tax Cert Fee paid by Borrower: $xx.xx Title CPL paid by Borrower: $xx.xx. |
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| 11136951 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from loan documents. | ||
| 11136951 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Other Disclosures | Active | 3: Curable | * Missing Required Disclosures (Lvl 3) | List of service providers disclosure is missing from loan documents. | ||
| 11136951 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from loan documents. | ||
| 11136951 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling organizations disclosure is missing from loan documents. | ||
| 69264384 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 69264384 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | The tape shows the subject condo project became unwarrantable. Subject is a unit in the Farmstead at Vinings project. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB $xx. | ||
| 56453026 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed state regulations prohibited fees test due to the inclusion of the below fees charged to the borrower; Administration Fee paid by Borrower: $xxx.xx Fixed Loan Fee paid by Borrower: $xxx.xx Verification Fee paid by Borrower: $xx.xx |
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| 56453026 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows income miscalculation due to inconsistent and fluctuating hours. Revised DTI is xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x months on the job as a nurse at xx, FICO xxx, xXxx since inception, $xxK equity in the subject, and $x,xxx residual income. | ||
| 56453026 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Valuation | Doc Issue | Active | 4: Unacceptable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Appraisal report is as is, and the photos addendum shows missing siding at the rear of the subject property and repairs done for the settlement cracks. The estimated cost to cure is not available in the loan file. xxxxD is missing from the loan documents for missing siding, and the final CD does not reflect any escrow holdback amount. Engineer's certificate by a licensed professional verifying the structural integrity of the subject property is missing from the loan documents. | ||
| 3681984 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the x-year SOL is active. | ||
| 3681984 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 3681984 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan approved at xx% used asset depletion on $xx assets in order to qualify the BWR. Revised DTI without the asset depletion is xx%. Lender defect. Subject originated xx/xx/xx and the x year SOL is active. BWRs receive a pension and SSI. FICO xxx, and $xxK equity in the subject." Downgrade to LVLx based on PH. |
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| 15925711 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | North Dakota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | TILA Finance charge disclosed on Final CD as $xx,xxx.xx. Calculated finance charge is $xx,xxx.xx for an under disclosed amount of -$xxx.xx. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. Subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. |
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| 15925711 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | North Dakota | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $x,xxx.xx Exceeds Fees threshold of $x,xxx.xx Over by +$xxx.xx. The below fees were included in the test: Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx Verification Fee paid by Borrower: $xx.xx |
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| 15925711 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | North Dakota | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan approved at xx%. Tape and file show BWR was approved with no credit history and no FICO score. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as an xx, xXxx since inception, and $xxK equity in the subject. | ||
| 15925711 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | North Dakota | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $x,xxx.xx Exceed Fees threshold of $x,xxx.xx Over by +$xxx.xx. The below fees were included in the test: Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx Verification Fee paid by Borrower: $xx.xx |
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| 15925711 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | North Dakota | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | ND Money Broker License Validation Test - The ability to perform residential real estate lending activities under this license was repealed by SB xxxx (xxxx), with mandatory transition to the new Residential Mortgage Lender License by December xx, xxxx. |
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| 15925711 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | North Dakota | xx | Valuation | Doc Issue | Active | 4: Unacceptable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report is as is, and the photo addendum shows the need for repairs for replacement of flooring and heating system, and an excessive amount of animal feces was noticed, posing a health and safety issue. An inspection report, or xxxxD, is missing from the loan documents. The estimated cost of a cure for the flooring is $xx. | ||
| 15925711 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | North Dakota | xx | Compliance | Compliance | Active | 3: Curable | * Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. | ||
| 15925711 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | QM-TRID | QC Complete | North Dakota | xx | Credit | Doc Issue | Active | 3: Curable | * Missing credit report (Lvl 3) | Credit report is missing from the loan document. | ||
| 15925711 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | North Dakota | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete due to initial CD is missing from loan documents. | ||
| 10104614 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject was approved as xx%. Tape shows lender did not verify BWR rental income on x other properties. Further details not provided. Lender defect. The subject originated on xx/xx/xxxx, and the x-year SOL is active. BWR was qualified using an offer letter as a xx. BWR has prior employment experience of x years as a xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. | ||
| 44502892 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows insufficient assets. Bank statements in the file show $xxK does not satisfy the cash-to-close requirement of $xxK. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. Post closing, BWR made additional principal payments of $xx in x/xx. BWR receives royalty income, FICO xxx, xXxx since inception, and $xx equity in the subject. | ||
| 68959586 | xx | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | * Assets do not meet guidelines (Lvl 3) | Tape shows use of business asset towards closing is not acceptable as BWR only owned xx of business, and excluding business asset of $xx, the remaining assets of $xxK satisfy cash to close requirement of $xx and fail to meet the reserves requirement of $xx. | ||
| 68959586 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows SE income miscalculation, and lender omitted monthly debt of $x,xxx without supporting documents. Revised DTI is xx%. Further details not provided. BWR defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been SE for x years at xx, FICO xxx, xXxx since inception, $xxK equity in the subject, and $x,xxx residual income. | ||
| 68959586 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report reflects the as is condition, and the photo addendum shows chipping paint on the rear exterior wall of the subject property. Estimated cost to cure is not available in the loan file. Updated xxxxD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. | ||
| 45235771 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Wyoming | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is, and the photo addendum shows vinyl floor damage. The estimated cost to repair is not available. The xxxxD is missing from the loan file. | ||
| 45235771 | xx | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | Wyoming | xx | Credit | Guidelines | Active | 3: Curable | * Assets do not meet guidelines (Lvl 3) | Tape shows a large deposit of $xK was not sourced. Bank statement in the file shows $x,xxx in assets, satisfying the cash-to-close requirement of $x,xxx. Further details not provided. The subject loan originated on xx/xx/xxxx. BWR has x months on the job as an xx. BWR has been SE for x.xx years at xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. | ||
| 45235771 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | Wyoming | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | * Settlement date is different from note date (Lvl 2) | Final CD reflects closing date as xx/xx/xxxx. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/xxxx. Note date is xx/xx/xxxx. | ||
| 45235771 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Wyoming | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 7899777 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape and review of the final CD show interested party contributions (IPC) totaling $xxx on the loan exceeded the closing cost of $xx,xxx.xx, and reducing the sales price by the exact amount of exceeded IPC causes the LTV to increase to xx%. Further details not provided. | ||
| 7899777 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 7899777 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xx,xxx.xx. This is an increase in fee of $xx,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. |
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| 25549319 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows the subject is NOO, as the BWR does not occupy the subject property, causing the lender to omit BWR primary housing expenses. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x months on the job as a xx, FICO xxx, xXxx since inception, and $xx equity in the subject. | ||
| 25549319 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Subject purchase and sale was not an arms length transaction. Father/LLC sold townhouse property to BWR daughter. Appraisal shows $xx. Sales price was $xx. Zillow shows estimate at $xx. BWR loan $xx with a second lien of $xx. Appears reasonable. | ||
| 25549319 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Data Edit | Active | 4: Unacceptable | * Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows the subject is NOO, as the BWR does not occupy the subject property. Further details not provided. Elevated for client review. | ||
| 25549319 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 89891120 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 89891120 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows that Freddie Mac is not recognizing the LP after correcting the BWR's SSN in the initial submission. Further details not provided. | ||
| 97181887 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL is active. |
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| 97181887 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulation for the prohibited fees test. The following fees were included in the test: HOA Initiation Fee paid by Borrower: $x,xxx.xx HOA Prorated Dues paid by Borrower: $xxx.xx HOA Transfer Fee paid by Borrower: $xxx.xx Real Estate Commission FEE paid by Seller: $xx,xxx.xx Real Estate Commission Fee paid by Seller: $x,xxx.xx Title - Closing Protection Letter Fee paid by Borrower: $xx.xx Title - Tax Cert Fee paid by Borrower: $xx.xx. |
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| 97181887 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from loan documents. | ||
| 97181887 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape shows the subject loan is not salable to agencies as the subject condo project does not meet the budget reserves requirement for a full condo review. Further details not provided in Condo Q in file. Zillow search shows an estimated value of $xx. Current UPB $xx. | ||
| 97181887 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 64346046 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan does not meet HUD's adjusted value requirements, and BWR was vested on the title for less than xx months. Further details not provided. | ||
| 64346046 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents. | ||
| 64346046 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan failed compliance ease delivery and timing test for closing disclosure dated xx/xx/xxxx. Document tracker is missing and x business days were added to get receipt date xx/xx/xxxx which is after the consummation date xx/xx/xxxx. | ||
| 39822507 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows homebuyers education certification is missing from the loan documents. Further details not provided. | ||
| 97933610 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows debt miscalculation. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx receives social security, notes receivable installment, and pension income. BWRx receives social security and pension income, FICO xxx, xXxx since inception, $xx equity in the subject, and residual income $x,xxx. | ||
| 61778906 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 61778906 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan failed GSE (Freddie Mac public guidelines) points and fees test due to fees charged $xx,xxx.xx exceed fees threshold of $x,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx Loan failed Qualified Mortgage Lending Policy points and fees test due to fees charged $xx,xxx.xx exceed fees threshold of $x,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx |
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| 61778906 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject was approved at xx%. Tape shows declining SE income and rental income miscalculation on REO property. Revised DTI is xx%. Lender defect. The subject originated on xx/xx/xxxx, and the x-year SOL is active. BWR has xx.xx years on the job as a xx. BWRx has been xx for xx.xx years at xx, FICO xxx, xXxx since inception, $xxK equity in the subject, and residual income is $x,xxx. | ||
| 47799957 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by borrower is missing from loan documents. | ||
| 47799957 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x month on the job as a xx, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. | ||
| 2749149 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 2749149 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows there are discrepancies on the BWR paystubs and WVOE. Lender did not properly verify income. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. | ||
| 26832236 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject was approved at xx%. Tape shows income source not legally derived and acceptable (xx). Further details not provided. Removing the cannabis income the revised DTI is xx%. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x months on the job as a xx BWRx has x years on the job as a xx, FICO xxx, $xxK equity in the subject, and residual income $x,xxx. | ||
| 26832236 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | FHA MI certificate is missing from the loan documents. | ||
| 28488966 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Compliance Testing (Lvl 2) | Loan failed Compliance Ease delivery and timing test for initial closing disclosure dated xx/xx/xxxx. Document tracker is missing and x business days were added to get receipt date xx/xx/xxxx. Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years which is expired. | ||
| 28488966 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows undisclosed debt. The revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is expired. BWRx has x years on the job as a xx. BWRx receives social security income, FICO xxx, $xxxK equity in the subject, and residual income $x,xxx. | ||
| 28488966 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 28488966 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The sellers tape data shows the loan was modified to xx years with terms changing from due xx/xx/xxxx with a maturity date of xx/xx/xxxx to due x/x/xxx with a maturity of xx/xx/xxxx. The loan was modified on xx/xx/xxxx with a maturity date of xx/xx/xxxx. | ||
| 28488966 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by LP (Locator# xx) and its recommendation is 'Accept/eligible' with a DTI of xx%. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is expired. | ||
| 33837192 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 33837192 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | Tape shows loan estimate and CD issued on the same day. Further details not provided. Infinity compliance result shows the loan failed the revised loan estimate delivery date test due to the revised loan estimate delivery dated xx/xx/xxxx, which is on the initial closing disclosure delivery dated xx/xx/xxxx. | ||
| 33837192 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 33837192 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Initial loan estimate dated xx/xx/xxxx does not reflect Appraisal Re-Inspection Fee. Final CD dated xx/xx/xxxx reflects Appraisal Re-Inspection Fee at $xxx.xx. This is an increase fee in the amount of +$xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL is active. | ||
| 64784696 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows income misrepresentation as earnings on tax returns do not match with tax transcripts. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been SE for x.xx years at xx, FICO xxx, xXxx since inception, and $xxxK equity in the subject. | ||
| 64784696 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement is missing from the loan file. | ||
| 30230350 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. The loan estimate dated xx/xx/xxxx does not reflect the document preparation fee. The CD dated xx/xx/xxxx reflects a document Preparation Fee at $xxx.xx. The loan estimate dated xx/xx/xxxx reflects points—loan discount fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects points - loan discount fee at $xx,xxx.xx. The loan estimate dated xx/xx/xxxx reflects transfer taxes at $xx,xxx.xx. The CD dated xx/xx/xxxx reflects transfer taxes at $xx,xxx.xx. This is a cumulative increase in fees of $x,xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase. The subject loan was originated on xx/xx/xxxx and the x-year SOL has expired. |
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| 30230350 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO due to misrepresentation as BWR never occupied the subject property, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is expired. Borrower has been SE for x years at xx, FICO xxx, and $xxK equity in the subject. | ||
| 30230350 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | Home loan toolkit is missing from the loan documents. | ||
| 30230350 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU (xx) and its recommendation is “Approve/Eligible” with a DTI of xx%. | ||
| 30230350 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 30230350 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Data Edit | Active | 4: Unacceptable | * Occupancy concerns - (Lvl 4) | Subject was approved as OO. Tape indicates that the property is NOO due to misrepresentation as BWR never occupied the subject property. Further details not provided. Elevated for client review. | ||
| 30230350 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 30230350 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | * Transmittal (1008) is Missing (Lvl 2) | Final transmittal summary is missing from the loan documents. | ||
| 43667522 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Doc Issue | Active | 3: Curable | * Missing proof of hazard insurance (Lvl 3) | Hazard insurance policy is missing from the loan documents. | ||
| 43667522 | xx | xx | xx | 5cb32bc6-6817-40b3-bf5e-122771c92d82 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Credit | Active | 3: Curable | * Required Documentation Missing or Incomplete (Lvl 3) | The subject loan approved using DSCR. Loan approval document is missing from the loan documents. | ||
| 43667522 | xx | xx | xx | 74be4ec5-5b69-41dd-8139-7a2f79aff20b | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Credit | Active | 3: Curable | * DSCR is less than 1.00 (Lvl 3) | Net operating income is $xx, annual payments are $xx,xxx.xx, and the debt service cover ratio (DSCR) is x.xx. | ||
| 43667522 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan does not meet x month seasoning period requirements. Further details not provided. | ||
| 71172870 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a)(x)) due to an APR calculated at x.xxx% exceeding the APR threshold of x.xxx% over +x.xxx%. The subject loan is not escrowed. Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. |
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| 71172870 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | * Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/xxxx reflects cash to the borrower in the amount of $x,xxx.xx. | ||
| 71172870 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the interest rate test due to the loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located. This loan failed the brokerage/finder fee test due to the mortgage loan charges a brokerage/finder fee that exceeds x% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee. |
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| 71172870 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 71172870 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Valuation | Property | Active | 3: Curable | * Property is Manufactured Housing (Lvl 3) | The home is affixed to the land. As per the appraisal report located at xx, the subject property is a manufactured home. The affidavit of affixation document is located at xx and shows the home is permanently affixed to the land with serial no. #xx. The final title policy schedule B, located at xx, shows the exception for affixation of affidavit. | ||
| 71172870 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows internal QC of the subject loan revealed red flag findings. Further details not provided. Subject originated xx/xx/xx. Income recalculation is confirmed. xXxx over the last xx months. | ||
| 92103140 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 92103140 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU (xx) and its recommendation is approve/eligible with a DTI of xx. | ||
| 92103140 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$x,xxx.xx. The following fees were included in the test: Mortgage Insurance Premium $xx,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx Loan fails QM lending policy points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$x,xxx.xx. The following fees were included in the test: Mortgage Insurance Premium $xx,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx |
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| 92103140 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | Tape shows the loan fails the QM points and fees test. Infinity compliance result shows that the loan failed the QM points and fees test. | ||
| 61403181 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase State Regulations Test Failed (Lvl 3) | Loan fails Brokerage/Finder fee test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Loan Origination Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx |
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| 61403181 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows internal QC of the subject loan revealed red flag findings. Further details not provided. Subject originated xx/xx/xx. ATR confirmed. BWR has been xXxx since inception. | ||
| 61403181 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 96669807 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 96669807 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx, as the borrower income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU (Locator#xx) and its recommendation is “Approve/Eligible” with a DTI of xx%. | ||
| 96669807 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows lender omitted auto loan debt paid by business without supporting documents. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has been SE for xx.x years as xx, FICO xxx, xXxx in the last xx months, and $xxxK equity in the subject. | ||
| 96669807 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 96669807 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xxx.xx. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at xxx.xx. Loan estimate dated xx/xx/xxxx reflects Transfer Taxes fee at $xxxx.xx. CD dated xx/xx/xxxx reflects Transfer Taxes fee at xxxx.xx This is a cumulative increase in fee of xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years. |
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| 14855989 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | Loan fails Origination Fee First Lien Test due to fee charged $x,xxx.xx exceeds fee threshold of $x,xxx.xx over by +$xxx.xx. The below fee was included in this test: Loan Origination Fee paid by Borrower: $x,xxx.xx. |
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| 14855989 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 14855989 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Good Faith Estimate missing or unexecuted (Lvl 2) | Final GFE is missing from the loan documents. | ||
| 14855989 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape shows property value is not supported. Appraisal report shows that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 988077 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows the file is missing supporting documents to omit HELOC debt with a balance remaining of $x,xxx as required in the AUS. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has xx years on the job as a xx, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. | ||
| 988077 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower’s income is $x,xxx.xx, and total expenses are in the amount of $xxx.xx. The loan was underwritten by DU (Locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%. | ||
| 988077 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated x.xxx% Exceeds APR threshold of x.xxx% Over By +x.xxx%. Subject loan is escrowed. |
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| 988077 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is, and the photo addendum shows the outbuilding is rusted, posing a safety issue and flaking paint on the exterior side of the subject property. | ||
| 988077 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/xxxx. Initial LE dated xx/xx/xxxx reflects Lender Credit at $x,xxx.xx, post CD dated xx/xx/xxxx reflects Lender Credit at x,xxx.xx. This is decrease of $xxx.xx for fee which has x% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan originated on xx/xx/xxxx and x year SOL is active. | ||
| 988077 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 64144580 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 64144580 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Credit | Active | 2: Acceptable with Warnings | * Missing Initial 1003_Application (Lvl 2) | Initial xxxx signed by loan originator is missing from the loan documents. | ||
| 64144580 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows BWR’s capacity to repay the subject mortgage, and all other obligations were not established. Revised DTI is xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is expired. BWR has x months on the new job as xx, and BWR has been SE for x.xx years at xx, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. | ||
| 71184043 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 71184043 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Credit | Active | 2: Acceptable with Warnings | * Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. | ||
| 71184043 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * GSE Points and Fees Test Violations (Lvl 2) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$xxx.xx. The below fees were included in the test: Loan Origination Fee paid by Borrower: $x,xxx.xx Points - Loan Discount Fee paid by Borrower: $xxx.xx. Loan fails Qualified Mortgage Lending Policy Points and Fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$xxx.xx. The below fees were included in the test: Loan Origination Fee paid by Borrower: $x,xxx.xx Points - Loan Discount Fee paid by Borrower: $xxx.xx. |
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| 71184043 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | FHA mortgage insurance certificate is missing from the loan documents. | ||
| 71184043 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. The initial LE dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. The final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/xxxx and the x years SOL is expired. | ||
| 71184043 | xx | xx | xx | cd78c3d6-5980-4171-a589-a92d6a853351 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Rebuttable Presumption - defined by loan findings (Lvl 2) | Loan failed FHA QM Rebuttable Presumption test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$xxx.xx. The below fees were included in the test: Loan Origination Fee paid by Borrower: $x,xxx.xx Points - Loan Discount Fee paid by Borrower: $xxx.xx. |
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| 71184043 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed FHA QM Safe Harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% under by -x.xxx%. Subject loan is escrowed. | ||
| 71184043 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the brokerage/finder fee test due to the mortgage loan charges a brokerage/finder fee that exceeds x% of the total loan amount. | ||
| 71184043 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 71184043 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is uninsurable as it closed incorrectly as a refinance, and it should have closed as a purchase transaction as the subject property was built on the land purchased by the BWR. Further details not provided. | ||
| 38116687 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement is missing from the loan documents. | ||
| 38116687 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape shows property value of $xx is not supported as the CU score is x.x, and the field review report and Fannie Mae CU estimated the value at $xx and $xx, respectively. The appraisal report shows that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 75606622 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows subject BWR was approved for a loan using a work VISA under the COxC category, which is not eligible. The BWR's work authorization permit card will expire on xx/xx/xxxx, and the subject loan closed on xx/xx/xxxx. Further details not provided. Subject originated xx/xx/xx. ATR confirmed. BWR has been xXxx over the last xx months. | ||
| 75606622 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed TILA Finance Charge Test due to finance charge disclosed on Final CD as $xxxx,xxx.xx. Calculated Finance charge is $xxx,xxx.xx for an under disclosed amount of $x,xxx.xx. This loan failed the TRID total of payments test. ( xx CFR §xxxx.xx(o)(x) ) The total of payments is $xxx,xxx.xx. The disclosed total of payments of $xxx,xxx.xx is not considered accurate because it is understated by more than $xxx and the provided reimbursement amount of $x.xx is not sufficient to cure the inaccuracy. Loan data is xxx,xxx.xx and allowed $xxx,xxx.x. The variance is -$x,xx.xx. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. |
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| 67403414 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | Finance charge disclosed on Final TIL as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. | ||
| 67403414 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 67403414 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape shows property value is not supported. Appraisal report shows that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. The realtor.com search shows an estimated value of $xx. Current UPB is $xx. | ||
| 1665308 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Credit | AUS | Active | 2: Acceptable with Warnings | * Missing DU/GUS/AUS as required by guidelines (Lvl 2) | AUS at closing is missing from the loan documents. | ||
| 1665308 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $x,xxx.xx, and total expenses are in the amount of $x,xxx.xx. AUS at closing is missing from the loan documents. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. | ||
| 1665308 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. | ||
| 1665308 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows income miscalculation. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWRx has been SE for x years at xx, BWRx receives pension income, FICO xxx, xXxx in the last xx months, $xxx equity in the subject, and $x,xxx residual income. | ||
| 16766881 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU Locator xx and its recommendation is Approve/Eligible with a DTI of xx%. | ||
| 16766881 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 16766881 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | * Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/xxxx reflects cash to the borrower in the amount of $x,xxx.xx. | ||
| 16766881 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx% Tape shows BWR was not employed at closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has x months on the new job as a xx and prior to that was a member resolution specialist with xx for x years, FICO xxx, xXxx in the last xx months, and $xx equity in the subject. | ||
| 3736510 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | AUS | Active | 2: Acceptable with Warnings | * Missing DU/GUS/AUS as required by guidelines (Lvl 2) | AUS/DU report is missing from the loan document. | ||
| 3736510 | xx | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing flood cert (Lvl 2) | Flood certificate is missing from the loan documents. | ||
| 3736510 | xx | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Initial LE (Lvl 2) | Initial LE is missing from the loan file. | ||
| 3736510 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from the loan documents. | ||
| 3736510 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit report is missing from the loan file. | ||
| 3736510 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Credit | Active | 2: Acceptable with Warnings | * Missing Initial 1003_Application (Lvl 2) | Initial xxxx signed by loan originator is missing from the loan files. | ||
| 3736510 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure signed by borrower is missing from the loan documents. | ||
| 3736510 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Tape shows BWR was not employed at closing. Further details not provided. BWR defect. ATR could not be determined as xxxx, AUS, and loan approval are missing from the loan documents. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has xx years on the job as a xx, FICO xxx, and xXxx in the last xx months. | ||
| 3736510 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | Settlement services provider list is missing from loan documents. | ||
| 3736510 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 3736510 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing proof of hazard insurance (Lvl 2) | Hazard insurance policy is missing from the loan documents. | ||
| 3736510 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Initial Closing Disclosure (Lvl 2) | Initial CD is missing from the loan file. | ||
| 3736510 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan documents. | ||
| 3736510 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | * Transmittal (1008) is Missing (Lvl 2) | Final transmittal summary is missing from the loan documents. | ||
| 3736510 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TRID total payment test as the calculated value of $xxx,xxx.xx exceeds the disclosed value of $xxx,xxx.xx by $xxx. The subject loan is a purchase transaction that originated on xx/xx/xxxx, and the x-year TRID SOL has expired. | ||
| 3736510 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | The loan failed TRID tolerance test in incomplete as initial LE and CD are missing from the loan documents. | ||
| 3736510 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Valuation | Doc Issue | Active | 3: Curable | * Missing Appraisal (Lvl 3) | Appraisal report is missing from the loan documents. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 3736510 | xx | xx | xx | 1572c798-5472-43ad-ba76-74aaee0b84e4 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | NPL | Active | 2: Acceptable with Warnings | * Homeowner's Counseling disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from the loan documents. | ||
| 76225032 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 76225032 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Data Edit | Active | 4: Unacceptable | * Occupancy concerns - (Lvl 4) | Subject approved as second home. Tape and file show subject is NOO. Elevated for client review. | ||
| 18155342 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 4: Unacceptable | * Property Marketability Issues (Lvl 4) | The tape shows the subject condo project does not meet the xx% reserves requirement, and the HOA is currently doing major repairs for structural issues. The review of the condo questionnaire does not reflect reserve budget information or any ongoing repairs of the project. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 18155342 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 18155342 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID Violation due to decrease in lender credit on CD dated xx/xx/xxxx. Initial LE dated xx/xx/xxxx reflects lender credit at xxxx. Revised CD dated xx/xx/xxxx reflects Lender Credit at xxx.xx. This is decrease of $xxx.x for fee which has x% tolerance test. Valid COC for the decrease in NSLC is missing from the loan document. Subject loan is refinance case, originated on xx/xx/xxxx and the x year SOL has expired. | ||
| 59569001 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan closed with the same loan ID on the AUS submission that was reused from a prior loan. Further details not provided. | ||
| 59569001 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | Subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at $xx. Current UPB $xx. | ||
| 23668793 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 23668793 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows homebuyer education certificate is not completed before closing. Further details not provided. | ||
| 35229657 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed Qualified Mortgage APR Threshold Test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. Subject loan is escrowed. Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$xxx.xx. The below fees were included in the test: Administration Fee paid by Borrower: $xxx.xx Mortgage Broker Fee (Indirect) $x,xxx.xx. |
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| 35229657 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. Subject loan is escrowed. |
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| 35229657 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Valuation | Property | Active | 2: Acceptable with Warnings | * Property is Manufactured Housing (Lvl 2) | The home is affixed. As per the appraisal report located at xx, the subject property is a manufactured home. The MH rider is attached with the recorded mortgage. | ||
| 35229657 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$xxx.xx. The below fees were included in the test: Administration Fee paid by Borrower: $xxx.xx Mortgage Broker Fee (Indirect) $x,xxx.xx. Loan fails GSE (Fannie Mae public guidelines) QM APR Test due to APR charged x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. |
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| 35229657 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 35229657 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Compliance Testing (Lvl 2) | Tape shows the loan fails the QM APR threshold test. Infinity compliance result shows that the loan failed the QM APR threshold test. The subject loan is escrowed. | ||
| 33895961 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect Loan Origination Fee. CD dated xx/xx/xxxx reflects Loan Origination Fee at +$x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the x year SOL has expired. | ||
| 33895961 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Tape shows Fannie Mae requires asset depletion accounts to be in retirement accounts. Bank statements in the file show $xx in checking and savings accounts and $xx submitted in non-liquid liquid assets. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL will expire on xx/xx/xxxx. BWRx has been SE for x.xx years at xx. BWRx has been SE for x.xx years at xx, FICO xxx, xXxx in the last xx months, and $xxxK equity in the subject. | ||
| 33895961 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower's income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by AUS/DU (Locator#xx) and its recommendation is Approve/Eligible with a DTI of xx%. | ||
| 33895961 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is purchase case, originated on xx/xx/xxxx and the x year SOL has expired. | ||
| 30670129 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan does not meet VA seasoning period requirements. Further details not provided. | ||
| 30670129 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 39227046 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Nebraska | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The subject loan is NOO and the tape shows the subject loan closed at an LTV of xx%, exceeding the guideline limit of LTV xx%. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB $xx. | ||
| 11449265 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 11449265 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 11449265 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects recording fee at $xx.xx. Final CD dated xx/xx/xxxx reflects recording fee at $xxx.xx. This is a cumulative increase of $xxx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the SOL is x year. | ||
| 11449265 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). (HPML). | ||
| 11449265 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed qualified mortgage safe harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by x.xxx%. Subject loan is escrowed. | ||
| 11449265 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Property | Active | 2: Acceptable with Warnings | * Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at “xx” state that the manufactured home is affixed to the land with Serial # xx. | ||
| 11449265 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows SE income miscalculation. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been SE for x.xx years at xx, FICO xxx, xXxx since inception, $xxK equity in the subject, and residual income $x,xxx.xx. | ||
| 47185490 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | Other Disclosures | Active | 3: Curable | * Missing Required Disclosures (Lvl 3) | Loan approval is missing from loan documents. | ||
| 47185490 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan does not satisfy x months of PITI reserves as the subject loan closed with PITI reserves of x.xx. Tape and final CD reflect state tax lien of $xx is paid off through subject transaction. Further details not provided. | ||
| 39781543 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 39781543 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Other Disclosures | Active | 3: Curable | * Missing Required Disclosures (Lvl 3) | List of service providers disclosure is missing from the loan documents. | ||
| 39781543 | xx | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Doc Issue | Active | 3: Curable | * Missing flood cert (Lvl 3) | Flood certificate is missing from the loan documents. | ||
| 39781543 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete due to initial CD is missing from loan documents. | ||
| 39781543 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | * Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. | ||
| 39781543 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | Tape shows TRID violation as the subject loan closed a day earlier than allowed and did not satisfy the x-day waiting period from the delivery of LE and consummation date. Further details not provided. Infinity compliance result did not perform delivery and timing tests for LE as revised LE is missing from the loan documents. | ||
| 39781543 | xx | xx | xx | 42fa4669-fe5d-412e-9c32-21b87047de7c | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | * Revised Loan Estimate is missing (Lvl 3) | Revised LE is missing from the loan documents. | ||
| 96703207 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The copy of the appraisal report is illegible as the pages of the appraisal are cut out at the edges. Zillow search shows an estimated value at $xx. Current UPB is $xx. | ||
| 96703207 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | Tape shows the subject loan failed the QM points and fees test. The subject loan is NOO, and Infinity did not perform a regulatory compliance test. | ||
| 74439960 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Doc Issue | Active | 3: Curable | * Missing proof of hazard insurance (Lvl 3) | Hazard insurance policy is missing from the loan documents. | ||
| 74439960 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved at xx%. Tape shows income miscalculation and the revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x years xx. BWR x has x years at xx. FICO xxx. xXxx since inception. $xxxK equity. | ||
| 98630584 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at $xx. Current UPB: $xx. | ||
| 98630584 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. Loan failed TILA Foreclosure Rescission Finance Charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. |
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| 98630584 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is OO and was approved at xx%. Tape shows BWR was not employed at closing and the subject is NOO as BWR does not occupy the subject, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has x.xx years on the job as a xx and FICO xxx. | ||
| 98630584 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Data Edit | Active | 4: Unacceptable | * Occupancy concerns - (Lvl 4) | Subject was approved as OO. The tape indicates that the subject is NOO, as BWR does not occupy the subject. Further details were not provided. Elevated for client review. | ||
| 98630584 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 88964286 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows an issue with the stability of bonus income. Lender defect. Review agrees with lender calculations. Downgrading to LVLx. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as xx%, FICO xxx, and $xx equity in the subject. | ||
| 88964286 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 80157634 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher-Priced Mortgage Loan test Fail (Lvl 2) | Subject loan is a second lien and not escrowed. Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at xx.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. This loan is compliant with regulation xxxx.xx(b), (c) and (d). The first lien loan is escrowed. Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated xx.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The first lien loan is escrowed. | ||
| 80157634 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails compliance delivery and timing test for revised CD dated xx/xx/xxxx and delivered on xx/xx/xxxx which is after the consummation date xx/xx/xxxx. | ||
| 80157634 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase State Regulations Test Failed (Lvl 3) | Loan fails Prohibited fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x.xx over by $x,xxx.xx. The below fees were included in the test Document Preparation Fee paid by Borrower: $xxx.xx Processing Fee paid by Lender: $xxx.xx Title Texas Guaranty Fee paid by Borrower: $x.xx | ||
| 80157634 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/xxxx. Initial CD dated xx/xx/xxxx reflects Lender Credit at $x,xxx.xx, Final CD dated xx/xx/xxxx reflects Lender Credit at $x,xxx.xx This is decrease of +xxx.xx for fee which has x% tolerance test. Valid COC is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/xxxx and the SOL is x years. | ||
| 80157634 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape shows the lender did not provide the appraisal valuation report within x business days prior to the consummation date. Further details are not provided. Subject loan was approved at xx%. Tape shows increased DTI of xx%. Review shows ATR confirmed. | ||
| 80157634 | xx | xx | xx | d599fb87-9791-476a-9a61-b4567a524853 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3) | Home equity loan notice of address for borrower notification of violation is missing from the loan file. | ||
| 80157634 | xx | xx | xx | da2a7ebc-5993-445f-8fd8-49e03aadfec2 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Home Equity Loan Interest and Fees Pre-closing Disclosure is missing from the loan file (Lvl 3) | Home equity loan interest and fees pre-closing disclosure is missing from the loan file. | ||
| 80157634 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TILA Test Failed (Lvl 3) | Finance charge disclosed on Final TIL as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. TILA Foreclosure Rescission Finance Charge Test due to finance charge disclosed on Final TIL as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of $xx.xx. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. Subject loan is refinance case, originated on xx/xx/xxxx and the SOL is x years. |
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| 80157634 | xx | xx | xx | fe27b315-3739-4437-8f1e-4b8e5fc6e00c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Home Equity Loan Copies of Documents is missing from the loan file (Lvl 3) | Home equity loan copies of documents is missing from the loan file. | ||
| 80157634 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 47458590 | xx | xx | xx | c3e6361e-df5f-4c53-9b34-b137e5a1b580 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Credit | Active | 3: Curable | * LTV / CLTV > 100% (Lvl 3) | Collateral value used for underwriting: $xx. Amount of secondary lien(s): $xx. Loan amount: $xx. LTV / CLTV = xx%. | ||
| 47458590 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 47458590 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan was repurchased as the loan was aged at xx days which exceeded the investor deadline of xx days. Further details not provided. | ||
| 47458590 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | Compliance ease TRID tolerance test is incomplete due to Initial LE is missing from loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx and the SOL is x year. | ||
| 47458590 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate. | ||
| 47458590 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Doc Issue | Active | 3: Curable | * Notice of Servicing Transfer missing or unexecuted (Lvl 3) | Notice of servicing transfer disclosure is missing from the loan documents. | ||
| 31097065 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape shows the loan was repurchased as the subject mortgage was aged more than xxx days, and all conditions were not cleared. All items are in the file. Further details are not provided. | ||
| 35142105 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan was repurchased as the investor did not receive the closing package within the required timeframe, and the loan is aged. Further details not provided. | ||
| 31059726 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal shows damage to flooring, drywall and windows. Tape shows HOA did not fix damaged window. Final CD does not reflect the escrow holdback amount. Zillow search shows an estimated value of $xx. Current UPB $xx. | ||
| 26370143 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 26370143 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows IPC (interested party contribution) of $xx,xxx exceeded the closing cost of $xx,xxx.xx, and reducing the sales price by the amount of overage, the LTV increases to xx%, which requires MI coverage that was not obtained at closing. Further details not provided. | ||
| 51351759 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | * Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/xxxx reflects cash to the borrower in the amount of $xxx.xx. | ||
| 51351759 | xx | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Guidelines | Active | 3: Curable | * Assets do not meet guidelines (Lvl 3) | Tape and bank statement show the source of the large deposit of $x,xxx could not be verified. Gift funds of $xx,xxx satisfy the cash-to-close requirement of $xx,xxx. Further details not provided. | ||
| 51351759 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows undisclosed auto loan debt and two student loan debts opened prior to closing. Tape shows income and employment misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has x.xx years on the job as a xx, FICO xxx, and $xxK equity in the subject. | ||
| 51351759 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | As per the seller tape, repurchased loan due to first payment default misrepresentation. Forbearance for the period of x/xxxx to x/xxxx and xx/xxxx to x/xxxx and COVID asset modification trial plan for May to July. MOD's first payment date is xx/xx/xxxx with the rate of x.xxx%, and the maturity is xx/xx/xxxx with a deferred balance of $xx. | ||
| 11724356 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 11724356 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows income miscalculation over including OT that is not supported by a xx month history. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x month on the job as a xx% Additionally, BWR has a second job as a xx for x.xx years, FICO xxx, xXxx since inception, $xxK equity in the subject, and residual income $x,xxx. | ||
| 11724356 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | The initial loan estimate delivery date test failed due to the initial LE dated xx/xx/xxxx and delivered on xx/xx/xxxx, which is more than x business days from the initial application date of xx/xx/xxxx. The written list of service providers disclosure date test fails due to the written list of service providers disclosure dated xx/xx/xxxx, which is more than x business days from the initial application date | ||
| 11724356 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test and charges that in total cannot increase more than xx% tolerance test due to loan failed initial LE estimate delivery and timing test. The initial LE dated xx/xx/xxxx was delivered on xx/xx/xxxx, which is more than x business days from the initial application date of xx/xx/xxxx. | ||
| 11724356 | xx | xx | xx | c56299d8-a56d-4ee2-ba5d-9e8408623724 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase RESPA Test Failed (Lvl 3) | The loan failed the RESPA homeownership counseling organizations disclosure date test due to the homeownership counseling organizations disclosure date of xx/xx/xxxx being more than x business days from the initial application date of xx/xx/xxxx. | ||
| 11724356 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 11724356 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the TILA finance charge test due to the finance charge disclosed on the final CD as $xxx,xxx.xx. The calculated finance charge is $xxx,xxx.xx for an under-disclosed amount of -$xxx.xx. The reason for the finance charge under disclosure is unknown as the fee itemization is missing. The subject loan is a purchase case, originated on xx/xx/xxxx, and the SOL is x year active. | ||
| 75495172 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows child support income used for qualification is not supported. Revised DTI is xx% Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWRx has x years on the job as a xx and receives alimony/child support income; BWRx has xx years on the job as an xx, FICO xxx, $xxxK equity in the subject, and $x,xxx residual income. | ||
| 75495172 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower’s income is $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx. The loan was underwritten by LP (Locator# xx) and its recommendation is Accept with a DTI of xx% | ||
| 96088177 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. | ||
| 96088177 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xxx.xx. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of +$xx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. | ||
| 96088177 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Montana | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows seller credit exceeded x% allowed limit, and final CD reflects seller credit of $x,xxx, which is more than x% of sales price. Further details not provided. | ||
| 55457130 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 55457130 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Property | Active | 2: Acceptable with Warnings | * Property is Manufactured Housing (Lvl 2) | The home is affixed to the land. As per the appraisal report located at xx, the subject property is a manufactured home. As per the updated title report dated xx/xx/xxxx, the certificate of permanent location for a manufactured home is located at xx, reflects that the home is affixed permanently to the land and the VIN #xx. | ||
| 55457130 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. | ||
| 55457130 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher-Priced Mortgage Loan test Fail (Lvl 2) | The loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a)(x)) due to an APR calculated at x.xxx% exceeding the APR threshold of x.xxx% over +x.xxx%. The subject loan is escrowed. Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. |
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| 55457130 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 4: Unacceptable | * Loan does not conform to program guidelines (Lvl 4) | Tape shows subject is a construction to permanent loan and is not modified to the permanent terms. Further details not provided. Elevated for client review. | ||
| 57515347 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged $x,xxx.xx exceeds the fees threshold of $x,xxx.xx over by +$xxx.xx. The below fees were included in the test: Lender Fee paid by Borrower: $x,xxx.xx Points—Loan Discount Fee paid by Borrower: $x,xxx.xx | ||
| 57515347 | xx | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Guidelines | Active | 3: Curable | * Assets do not meet guidelines (Lvl 3) | Tape shows reserves were short to close by $xK. Bank statements in the file show $xK, and the final CD reflects BWR received cash in the amount of $xxK. Further details not provided. | ||
| 57515347 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan is a second home and was approved at xx%. Tape shows lease agreement provided for primary residence was altered and there was undisclosed debt. The revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR receives retirement income, FICO xxx, xXxx since inception, $xxK equity in the subject, and $x,xxx residual income. | ||
| 57515347 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 57515347 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 57515347 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed. Qualified Mortgage Safe Harbor threshold test due to APR calculated at x.xxx%. Exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. Loan failed. Qualified Mortgage Qualified Mortgage Lending Policy Points and Fees Test due to the fee calculated at $x,xxx.xx, exceeding the fee threshold of $x,xxx.xx over by +$xxx.xx. The below fees were included in the test: Lender Fee paid by Borrower: $x,xxx.xx Points—Loan Discount Fee paid by Borrower: $x,xxx.xx |
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| 57515347 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. The loan estimate dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years. |
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| 24031746 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed qualified mortgage APR threshold test due to APR calculated xx.xxx% exceeds APR threshold of xx.xxx% over by x.xxx%. Loan failed qualified mortgage safe harbor threshold test due to APR calculated xx.xxx% exceeds APR threshold of xx.xxx% over by +x.xxx%. Subject is second lien loan and is not escrowed. |
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| 24031746 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 24031746 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at xx.xxx% exceeds APR threshold of xx.xxx% over by +x.xxx%. The subject is second lien loan and is not escrowed. Loan failed the CA AB xxx higher-priced mortgage loan test (CA AB xxx, California Financial Code Division x.x xxxx(a)) due to an APR calculated at xx.xxx% exceeds APR threshold of xx.xxx% over by +x.xxx%. |
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| 24031746 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan failed GSE (Fannie Mae public guidelines) QM APR test due to APR calculated xx.xxx% exceeds APR threshold of xx.xxx% over by x.xxx%. | ||
| 24031746 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect HOA doc fees x. Final CD dated xx/xx/xxxx reflects HOA doc fees x at $xxx.xx. This is an increase in fee of $xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/xxxx and the SOL is x years. Loan failed charges that in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the sum of section C fees and recording fee at $xxx.xx. Final CD dated xx/xx/xxxx reflects the sum of section C and recording fee at $xxx.xx. This is a cumulative increase of $xxx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. Subject loan is refinance case, originated on xx/xx/xxxx and the SOL is x years. |
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| 24031746 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. The Lender did not include an auto payment in the DTI and the full xst mortgage payment; recalculation results in a DTI of xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/xx, and the x-year SOL is active. Borrower has been employed with xx for x year as a xx and has a xnd job with the xxfor x years as a xx, FICO xxx. The subject is in xnd lien position with a CLTV of xx%. | ||
| 24031746 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | Tape shows the subject loan was failing the high-cost test that has since been corrected and not within the allotted investor time. Post CD dated xx/xx/xxxx was issued with a lender credit of $x,xxx.xx. Infinity compliance result shows that the loan has passed the high-cost tests. Further details not provided. | ||
| 73985725 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | 0.05625 | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Revised loan estimate delivery date and changed circumstances date test due to the fact that the creditor receives information sufficient to establish that a changed circumstance has occurred. | ||
| 73985725 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | 0.05625 | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceeding the fees threshold of $xx,xxx.xx, over by +$x,xxx.xx. The below fees were included in the test: Points - Loan Discount Fee paid by Borrower: $xx,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx Loan fails GSE (Freddie Mac public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceeds the fees threshold of $xx,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Points - Loan Discount Fee paid by Borrower: $xx,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx |
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| 73985725 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | 0.05625 | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape and file show rental income and student debt miscalculations. Revised DTI is xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/xx, and the x-year SOL is active. Borrower has been employed with xx for x years as a xx, FICO xxx, and $xxxK equity in the subject. | ||
| 35599750 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows BWR’s income exceeds the limit for DPA grant approval, and the loan is not eligible for the FHA as the lender of the DPA loan is not an approved lender. Further details not provided. | ||
| 35599750 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 35599750 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from the loan documents. | ||
| 63990653 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan does not meet the seasoning period requirement of xxx days. Further details not provided. | ||
| 63990653 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 2208067 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is uninsured as bonus entitlement is available for loans greater than $xx and the subject loan amount is $xx. Further details not provided. | ||
| 2208067 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges than in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $xxx.xx. CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $xxx.xx. This is a cumulative increase of +$xx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. | ||
| 2208067 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails Loan Origination Fee Test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$xxx.xx. The below fees were included in the test: Document Preparation Fee paid by Borrower: $xxx.xx HOA Capitalization Fee paid by Borrower: $xxx.xx HOA Prepaid Assessments paid by Borrower: $xxx.xx HOA Transfer Fee paid by Borrower: $xxx.xx Settlement or Closing Fee paid by Borrower: $xxx.xx Tax Service Fee paid by Borrower: $xx.xx Title Document Preparation Fee paid by Borrower: $xx.xx Title Guaranty Fee paid by Borrower: $x.xx Title-Title Tax Cert Fee paid by Borrower: $xx.xx |
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| 2208067 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 2208067 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 2208067 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | VA guaranty certificate is missing from the loan documents. | ||
| 47839814 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Credit | Active | 3: Curable | * Missing Initial 1003_Application (Lvl 3) | Initial xxxx signed by loan originator is missing from the loan documents. | ||
| 47839814 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. | ||
| 47839814 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to Fees charged $xx,xxx.xx Exceeds Fees threshold of $xx,xxx.xx Over by +$x,xxx.xx. The below fees were included in the test Closing Fee paid by Borrower: $xxx.xx Funding, Wire, or Disbursement Fee paid by Borrower: $xxx.xx Points - Loan Discount Fee paid by Borrower: $xx,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx | ||
| 47839814 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Missing Required Disclosures (Lvl 3) | Settlement services provider list is missing from loan documents. | ||
| 47839814 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to Fees charged $xx,xxx.xx Exceeds Fees threshold of $xx,xxx.xx Over by +$x,xxx.xx. The below fees were included in the test Closing Fee paid by Borrower: $xxx.xx Funding, Wire, or Disbursement Fee paid by Borrower: $xxx.xx Points - Loan Discount Fee paid by Borrower: $xx,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx | ||
| 47839814 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. | ||
| 47839814 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The subject loan was approved at xx. File shows BWR was employed at closing. ATR at closing confirmed. Tape shows BWR was not employed after closing. The tape shows the post-closing DTI is xx%. At the time of closing, BWRx had x months on the job as an xx. Previously, BWRx was xx for x.xx years at xx. BWRx has been SE for x.xx years at xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. | ||
| 41558848 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%.The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated x.xxx% Exceeds APR threshold of x.xxx% Over By +x.xxx%. Subject loan is escrowed. |
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| 41558848 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 41558848 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows amended tax returns reflect increased earnings that are not supported due to depreciation adjustment. Revised DTI is over xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been SE for x.xx years at xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. | ||
| 58437871 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Washington D.C. | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape and review of the file show the loan failed the TRID tolerance test and did not meet the x-day delivery and timing test for the closing disclosure issued on xx/xx/xxxx, and the subject loan closed on xx/xx/xxxx. Infinity did not perform a regulatory compliance test as the subject loan is NOO. Further details not provided. | ||
| 78938505 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | QM-TRID | QC Complete | Alaska | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. | ||
| 78938505 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Alaska | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect Points - Loan Discount fee, Appraisal Re-Inspection Fee . CD dated xx/xx/xxxx reflects Points - Loan Discount fee at $x,xxx.xx , Appraisal Re-Inspection Fee at $xxx.xx. This is cumulative increase in fee of $x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Loan failed charges than in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the recording fee at $xxx. CD dated xx/xx/xxxx reflects recording fee at $xxx.xx. This is a cumulative increase of $xx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x-year. |
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| 78938505 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Alaska | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 78938505 | xx | xx | xx | 249ccfc8-8061-4638-a74f-933a4ad40fc5 | xx | xx | xx | QM-TRID | QC Complete | Alaska | xx | Credit | Legal Docs | Active | 4: Unacceptable | * Loan has escrow holdback. No proof it was released (Lvl 4) | Final CD dated xx/xx/xxxx reflects escrow holdback in the amount of $x,xxx.xx. Proof for release of escrow holdback is missing from the loan documents. | ||
| 78938505 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Alaska | xx | Valuation | Doc Issue | Active | 4: Unacceptable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape shows expired appraisal and escrow holdback of $xK approved for exterior painting, which will not be completed until next May or June due to weather. xxxxD dated xx/xx/xxxx shows painting work completed. The subject loan originated on xx/xx/xxxx was too aged for sale. | ||
| 26507839 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final closing disclosure is missing from the loan documents. | ||
| 26507839 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows Hughes Capital/Guardian/HomePartners loan. Further details not provided. | ||
| 1093204 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 1093204 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges than in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $xxx.xx. CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $xxx.xx. This is a cumulative increase of $xx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. | ||
| 1093204 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | This loan failed the Pennsylvania license validation test. | ||
| 1093204 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape shows that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value at $xx. Current UPB is $xx. | ||
| 1093204 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. | ||
| 70327949 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | Mortgage insurance certificate is missing from the loan documents. | ||
| 70327949 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. |
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| 70327949 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | * Cash out purchase (Lvl 2) | The subject loan is purchase case. Final CD dated xx/xx/xxxx reflects cash to in the amount of $xxx.xx. | ||
| 70327949 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan is uninsured and unable to obtain the new construction documents. The appraisal report is as is, and the subject property is built up. Further details not provided. | ||
| 19589047 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower’s income is $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by LP (Locator#xx) and its recommendation is Accept/Eligible with a DTI of xx%. | ||
| 19589047 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows student loan debt miscalculation, omitted debts without supporting documents, and incorrect income used for qualification. The revised DTI is xx%. Review confirmed ATR at revised DTI. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, $xxK equity in the subject, and residual income $x,xxx. | ||
| 23210895 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 23210895 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows ineligible condominium project. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB $xx. | ||
| 23210895 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects appraisal fee at $xxx.xx. CD dated xx/xx/xxxx reflects appraisal fee at $xxx.xx. This is an increase in fee of $xx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure delivery date is less than six business days before the consummation date. Subject loan is a refinance, originated on xx/xx/xxxx and the x-year SOL is active. |
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| 23210895 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 44288882 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Compliance is failing for state regulations. PA license validation test. | ||
| 44288882 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from loan documents. | ||
| 44288882 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 44288882 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is not insurable by the FHA as the final AUS was run with an incorrect interest rate of xx% and the actual interest is xx%. AUS is invalidated after resubmitting the AUS with the correct interest rate as the loan fails to meet additional reserve requirements. Bank statements in the file show $xx, and the cash-to-close requirement is $xx. Further details are not provided. | ||
| 11709207 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Doc Issue | Active | 4: Unacceptable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The tape shows the subject property is not salable to Freddie Mac as the property condition is rated poor. The appraisal report is as is, and the photo addendum shows the entire floor covering for unit x is removed, and the estimated cost for coverings is $xx. xxxxD is missing from the loan documents, and the final CD does not reflect the escrow holdback. | ||
| 19097220 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU (Locator#xx) and its recommendation is Approve/Eligible with a DTI of xx%. | ||
| 19097220 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Market value of the subject property ($xx) is closest to the adjusted sales price ($xx) of comparable #x. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 30846398 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | The tape shows issues with the values used. Further details not provided. Review of the appraisal report shows, comp #x with a sales price of $xx is closest to the subject property valued at $xx. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 43782795 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 43782795 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Underwriting | Active | 3: Curable | * Transmittal (1008) is Missing (Lvl 3) | Final transmittal summary is missing from the loan documents. | ||
| 43782795 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape reflects an increased DTI of xx%. Further details not provided. The subject loan originated on xx/xx/xxxx, and the x-year SOL will expire on xx/xx/xxxx. BWRx has x.xx years on the job as a xx. BWR x has been SE for x.xx years at xx and at xx and Spa for x.xx years, FICO xxx, $xxK equity in the subject, and residual income is $x,xxx. | ||
| 43782795 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. x-year TRID SOL has expired. | ||
| 43782795 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xxx.xx. This is an increase in fee of $xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. x-year TRID SOL has expired. | ||
| 43782795 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | The tape shows the appraised value is not supported and was flagged as overvalued with an SSR score of x.x. The appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. Further details not provided. | ||
| 56869766 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date of xx/xx/xxxx, which is less than three business days before the consummation date of xx/xx/xxxx. | ||
| 56869766 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 56869766 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape and file show the loan is closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan file. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 56869766 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Initial loan estimate dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xxx.xx. This is an increase fee in the amount of +$xxx.xx for charges that cannot increase. Valid COC for the increase in fee is available. COC is not getting tested due to loan failing TRID delivery and timing test. Subject loan is a refinance case, originated on xx/xx/xxxx and the x-year SOL is active. | ||
| 56869766 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the Pennsylvania license validation test. Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. |
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| 56869766 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows BWR was not on the mortgage getting refinanced, and the lender did not document xx months of verification of pay history of the existing mortgage. Further details not provided. | ||
| 8344106 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows BWR does not have a x-year history for second employment, and the lender omitted debt without verification of less than xx payments remaining. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has x months on the job as a xx. Additionally, BWR has x year on the second job as a case investigator at xx. Previously, BWR worked as a phlebotomist technician at xx for x.xx years, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. | ||
| 8344106 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceed APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by x.xxx%. Subject loan is escrowed. |
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| 97942943 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows income and debt miscalculation. Further details not provided. The revised DTI exceeds xx%. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has been SE for x.xx years at xx, FICO xxx, xXxx since inception, $xxxK equity in the subject, and $x,xxx residual income. | ||
| 63156292 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL will expire on xx/xx/xxxx. BWRx has x.xx years on the job as a xx. Additionally, BWRx receives pension income; BWRx receives social security income, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. | ||
| 63156292 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 63156292 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | The rate lock provided expired on xx/xx/xxxx, and the loan closed on xx/xx/xxxx. No lock extension found. | ||
| 63156292 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | * Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows property is NOO due to misrepresentation. Further details not provided. Elevated for client review. | ||
| 63156292 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. | ||
| 30782055 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. Further details not provided. | ||
| 64789089 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 64789089 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows BWR was not employed at closing. Further details not provided. BWR defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is expired. BWR has x months on the job as a xx. Previously, BWR was SE for x.xx years at xx, FICO xxx and $xxK equity in the subject. | ||
| 64789089 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the loan originator is missing from the loan documents. | ||
| 64789089 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. This is an increase in fee of $xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. | ||
| 38653527 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is expired. BWR was qualified using a post-close offer letter as a xx. BWRx was qualified using a post-close offer letter as a xx at xx, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. | ||
| 38653527 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount and consummation or reimbursement date validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 38653527 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 38653527 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. The loan estimate dated xx/xx/xxxx does not reflect the counseling fee and tax service fee. CD dated xx/xx/xxxx reflects a counseling fee at $xx.xx and a tax service fee at $xx.xx. This is an increase in fee of $xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL is expired. | ||
| 6295501 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Data Edit | Active | 4: Unacceptable | * Occupancy concerns - (Lvl 4) | Subject is a second home. Zillow shows the subject property was listed for rent on xx/xx/xxxx. Elevated for client review. | ||
| 6295501 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape shows ineligible condo project, and condo questionnaire shows special assessment of $xx for roof repairs of condo project was planned. The inspection report for the completion repairs is missing from the loan documents. Further details not provided. Subject originated xx/xx/xx. BWR has been xXxx last xx months. Comments do not show any further info on assessment. | ||
| 6295501 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 6295501 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | TILA finance charge test due to finance charge disclosed on final CD as $xxx,xxx.xx. The calculated finance charge is $xxx,xxx.xx for an under-disclosed amount of -$xxx.xx. Subject loan is purchase case, originated on xx/xx/xxxx and the SOL is x year expired. | ||
| 98375588 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 98375588 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows issue with other closing, title, application, and processing documentation. Further details not provided. | ||
| 92903049 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows Hughes Capital/Guardian/Home Partners loan. Further details are not provided. | ||
| 95510256 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape shows ineligible condominium project. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB $xx. | ||
| 95510256 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. The below fees were included in the test: Adjustable Rate Endorsement paid by Borrower: $xx.xx Buyers or Borrower Attorney Fee paid by Borrower: $x,xxx.xx Investor Review Fee paid by Borrower: $xxx.xx Note Fee paid by Borrower: $xxx.xx Real Estate Commission paid by Seller: $xxx,xxx.xx Seller Attorney Fee paid by Seller: $x,xxx.xx Survey Fee H paid by Borrower: $x,xxx.xx Title Closing Protection Letter paid by Borrower: $xx.xx Title-Copy Fee paid by Borrower: $xx.xx Title-Deed Preparation paid by Borrower: $xx.xx Title-Simplilife Service Fee paid by Borrower: $xx.xx Title-Tax & Assessments Fee paid by Borrower: $xx.xx Title-Transaction Management paid by Borrower: $xx.xx. |
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| 19599441 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 19599441 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan failed TILA post-consummation revised closing disclosure finance charge test. Finance charge disclosed on Post CD as $x,xxx,xxx.xx. The calculated finance charge is $x,xxx,xxx.xx for an under-disclosed amount of -$xxx.xx. The subject loan is a purchase, originated on xx/xx/xxxx, and the SOL is x year. | ||
| 19599441 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows ineligible condominium project. Further details not provided. The appraisal report shows the subject is a detached SFR and not a condominium. Zillow search shows an estimated value of $xx. Current UPB $xx. | ||
| 75443374 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 75443374 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape shows the appraised value is not supported and was flagged as overvalued with an SSR score of x.x. The appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. Further details not provided. | ||
| 21199405 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 21199405 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. | ||
| 21199405 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Market value of the subject property ($xx) is closest to the adjusted sales price ($xx) of comparable #x. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 21199405 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. | ||
| 67797513 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | Home loan toolkit is missing from the loan file. | ||
| 67797513 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the tax service fee test. | ||
| 67797513 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. | ||
| 67797513 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects Credit Report Fee at $xx.xx. CD dated xx/xx/xxxx reflects Credit Report fee at $xx.xx. This is an increase in fee of $xx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. | ||
| 67797513 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 67797513 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Valuation | Doc Issue | Active | 4: Unacceptable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape and appraisal show multiple repairs needed to bulkhead steps, furnace, broken pipes and fencing, flaking paint, utilities, and mold inspection. The estimated cost to cure is $xxk. xxxxD, or the final inspection report by a licensed professional confirming the status of the repairs, is missing from the loan documents. Zillow shows an estimated value of the subject is $xxxK. Current UPB is $xx. | ||
| 61933111 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 61933111 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Tape shows verified assets of $xx do not satisfy cash-to-close and reserves requirements of $xxK and fall short by $xx. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has xx.xx years on the job as a xx at xx. BWRx has x months on the job as a xx, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. | ||
| 67046589 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. The subject loan originated on xx/xx/xxxx and the x year SOL is active Subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. |
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| 67046589 | xx | xx | xx | 32e0d7b5-f4de-4b77-9574-04cce9803bb3 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | * Loan has escrow holdback. No proof it was released (Lvl 3) | Final CD dated xx/xx/xxxx reflects escrow holdback in the amount of $x,xxx.xx. Proof for release of escrow holdback is missing from the loan documents. | ||
| 67046589 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Underwriting | Active | 3: Curable | * Transmittal (1008) is Missing (Lvl 3) | Final transmittal summary is missing from the loan documents. | ||
| 67046589 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by borrower is missing from the loan documents. | ||
| 67046589 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape and file show an escrow holdback of $x.xK for repairs to the flooring, and the initial xxxxD shows repairs were not completed yet and BWR had removed kitchen cabinets, and the final xxxxD available in the file shows repairs are completed. Proof of release for escrow holdback is missing from the loan documents. | ||
| 96005222 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape shows repairs to the rotting fascia were not required by Freddie Mac, and the appraiser in the revised appraisal report required those repairs to be completed along with other items listed. xxxxD in the file shows completion of repairs of other items listed except the rotting fascia. The estimated amount to cure the fascia board is $xxx. The final inspection report is missing from the loan documents. | ||
| 96005222 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate. | ||
| 96005222 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). | ||
| 96005222 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Valuation | Property | Active | 3: Curable | * Property is Manufactured Housing (Lvl 3) | Home is affixed. As per the appraisal report, the subject property type is a manufactured home. The manufactured home rider attached to the recorded mortgage located at “xx” and the affidavit of affixation “xx” state that the manufactured home with serial #xx has been affixed to the permanent foundation. The Schedule B of TPOL shows an exception for affidavit of affixation. | ||
| 14031271 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan is NOO and was approved at xx%. Tape shows SE and rental income miscalculation, and verification of SE business was not obtained. Further details not provided. Lender defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL will expire on xx/xx/xxxx. BWR has been SE for x years at xx, FICO xxx, xXxx in the last xx months, and $xxxK equity in the subject. | ||
| 14031271 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 14031271 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower income is $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU (Locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%. | ||
| 25946824 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan does not meet FNMA guidelines for NOO property as BWR was approved using an offer letter and will receive a salary post-closing. Further details not provided. | ||
| 32374480 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the late fees test due to the loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located. | ||
| 32374480 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. The tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWRx has xx years on the job as a xx, and BWRx has xx.x years on the job as a teacher at xx, FICO xxx, xXxx in the last xx months, and $xxxK equity in the subject. | ||
| 32374480 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower income is $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by LP (xx) and its recommendation is Accept with a DTI of xx%. | ||
| 32374480 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Data Edit | Active | 4: Unacceptable | * Occupancy concerns - (Lvl 4) | The subject was approved as a second home. The tape shows the subject is NOO due to misrepresentation. Further details not provided. Elevated for client review. | ||
| 75578199 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject is a second home and was approved at xx%. Tape shows rental income miscalculation as lease and supporting documents for REO are missing, and BWR is purchasing x rental properties financed through the subject lender. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has x.x years on the job as a xx, FICO xxx, xXxx in the last xx months, and $xxxK equity in the subject. | ||
| 75578199 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower’s income is $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx, and the loan was underwritten by DU (Locator #xx), and its recommendation is Approve/ineligible with a DTI of xx%. | ||
| 75578199 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 13508918 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Subject loan approved as NOO. Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU (Locator xx) and its recommendation is Approve/Eligible with a DTI of xx%. | ||
| 13508918 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan is NOO and was approved at xx%. Tape shows rental income miscalculation. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has been SE for x.xx years at xx, FICO xxx, xXxx in the last xx months, and $xx equity in the subject. | ||
| 13508918 | xx | xx | xx | cfec44f3-b357-401b-9621-ad0bd9a43e24 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Valuation | Property | Active | 3: Curable | * Property is Commercial Prop (Lvl 3) | Tape shows BWR uses subject NOO property as AirBNB. | ||
| 81655152 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape shows condo project does not meet Fannie Mae hazard insurance requirements as the deductible coverage exceeded the x% limit. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 81655152 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the Pennsylvania license validation test. | ||
| 42201238 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Subject originated xx/xx/xxxx at $xxxK with the prior sale x/xx/xx at $xx. Original transaction appears to be a flip. Zillow shows estimated value at $xx. | ||
| 42201238 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA Finance Charge test due to Calculated Finance charge of $xxx,xxx.xx exceeds Disclosed Finance charge of $xxx,xxx.xx over by -$xxx.xx. The subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. | ||
| 12623465 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan does not meet VA seasoning period requirements. Further details not provided. | ||
| 12623465 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan failed prohibited fees test. The below fees were included in the test: Attorney's Fee (Closing Agent Only) paid by Borrower: $xx.xx |
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| 15778929 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling organizations disclosure is missing from the loan documents. | ||
| 15778929 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU Locator xx Wiedenhaefer-Weems PG#xxx and its recommendation is Approve/Eligible with a DTI of xx%. | ||
| 15778929 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows undisclosed mortgage debt with a monthly payment of $x,xxx opened prior to closing. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWRx has xx.xx years as an active-duty xx with xx, FICO xxx, xXxx in the last xx months, $xxxK equity in the subject, and $x,xxx residual income. | ||
| 80688425 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value at $xx. Current UPB is $xx. | ||
| 80688425 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | * Cash out purchase (Lvl 2) | The subject loan is purchase case. Final CD dated xx/xx/xxxx reflects cash to in the amount of $x,xxx.xx. | ||
| 36396010 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. | ||
| 36396010 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate. | ||
| 36396010 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 36396010 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved at xx%. Tape shows lender did not document xx month pay history on departing REO. Further details not provided. Lender defect. Subject originated xx/xx/xx and the x year SOL has expired. BWR has x years on the job as a xx. | ||
| 36396010 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 24180614 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 24180614 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows fluctuating income from the new job is not supported. Further details not provided. Lender defect. The subject originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x month on the job as an xx with xx. BWR has prior employment experience as a xx between xx/xx/xxxx and xx/xx/xxxx for x.xx years, and FICO xxx. | ||
| 24180614 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan closed without an appraisal report. PIW disclosure is missing from the loan documents. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 2497079 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape shows Hughes Capital/Guardian/HomePartners Loan. Further details are not provided. | ||
| 90784868 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows Hughes Capital/Guardian/HomePartners loan. Further details not provided. | ||
| 28063788 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows Hughes Capital/Guardian/HomePartners loan. Further details not provided. | ||
| 12468453 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Doc Issues | Active | 1: Acceptable | * Settlement date is different from note date (Lvl 1) | The final CD reflects the closing date as xx/xx/xxxx. The notary's signature date on the mortgage/deed of trust is xx/xx/xxxx. Note: date is xx/xx/xxxx. | ||
| 12468453 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows Hughes Capital/Guardian/HomePartners loan. Further details are not provided. | ||
| 38617903 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Doc Issue | Active | 3: Curable | * Missing proof of hazard insurance (Lvl 3) | Hazard insurance certificate is missing from the loan documents. | ||
| 38617903 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows Hughes Capital/Guardian/HomePartners loan. Further details not provided. | ||
| 67512387 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan does not meet the requirements of delayed financing as the loan amount exceeds the documented amount of the borrower's initial investment in purchasing the property plus the financing of closing costs, prepaid fees, and points on the new mortgage loan. As per appraisal report dated xx/xx/xxxx, the subject prior sale/transfer on xx/xx/xxxx in all cash for $xxxK via a grant deed. The subject loan was originated on xx/xx/xxxx (within x months from the prior sale). Appraisal value is $xx and loan amount is $xx. BWRs equity in subject property is $xx. Further details not provided. | ||
| 54854613 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan documents. | ||
| 54854613 | xx | xx | xx | 249ccfc8-8061-4638-a74f-933a4ad40fc5 | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Credit | Legal Docs | Active | 4: Unacceptable | * Loan has escrow holdback. No proof it was released (Lvl 4) | The final CD dated xx/xx/xxxx reflects an escrow holdback in the amount of $xx. Proof for the release of the escrow holdback is missing from the loan documents. | ||
| 54854613 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 54854613 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 54854613 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Valuation | Doc Issue | Active | 4: Unacceptable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape and file show the appraisal report was subject to the completion of renovation. The estimated amount of repairs is $xx. The final CD reflects an escrow holdback of $xx. The xxxxD report is missing from the loan documents. Zillow search shows an estimated value at $xx. Current UPB $xx. | ||
| 54854613 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Rhode Island | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx reflect Appraisal Re-Inspection Fee at $xxx.xx. Final CD dated xx/xx/xxxx reflects Appraisal Re-Inspection Fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL is expired. |
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| 99451946 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows Hughes Capital/Guardian/HomePartners loan. Further details not provided. | ||
| 99451946 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Credit | Active | 2: Acceptable with Warnings | * Missing Initial 1003_Application (Lvl 2) | Initial application signed by loan originator is missing from the loan files. | ||
| 14639191 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Credit | Active | 2: Acceptable with Warnings | * Missing Initial 1003_Application (Lvl 2) | Initial application signed by loan originator is missing from the loan documents. | ||
| 14639191 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows foster care income is not supported and BWRx income miscalculation. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWRx has been SE for x.xx years at xx. Additionally, BWRx receives xx; BWRx has x.xx years on the job as a xx; BWRx receives social security and xx, FICO xxx, $xxxK equity in the subject, and $x,xxx residual income. | ||
| 95029036 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower’s income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx, and the loan was underwritten by AUS (Locator #xx), and its recommendation is approve/eligible with a DTI of xx%. | ||
| 95029036 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed state regulations for the brokerage/finder fee test due to fees charged $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$xxx.xx. The below fees were included in the test: Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx. |
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| 95029036 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 95029036 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows ineligible condominium project. Further details not provided. The appraisal report shows the subject is a detached SFR and not a condominium. Zillow search shows an estimated value of $xx. Current UPB $xx. | ||
| 95029036 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | * Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/xxxx reflects cash to in the amount of $x,xxx.xx. | ||
| 39534506 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 39534506 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan was rejected by US Bank due to a revised FICO score of xxx, and the minimum required FICO score was xxx. Further details not provided. | ||
| 39534506 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated x.xxx% Exceeds APR threshold of x.xxx% Over By +x.xxx%. | ||
| 63422904 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows rental income miscalculation. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL will expire on xx/xx/xxxx. BWR has x.xx years on the job as a xx, FICO xxx, xXxx in the last xx months, and $xxxK equity in the subject, and residual income $x,xxx. | ||
| 63422904 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx, and the loan was underwritten by LP Locator #xx, and its recommendation is Accept/Eligible with a DTI of xx%. | ||
| 3278802 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. Loan estimate dated xx/xx/xxxx reflects Appraisal Fee at $xxx.xx. CD dated xx/xx/xxxx reflects Appraisal Fee at $xxx.xx. This is a cumulative increase in fee of $x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. Loan failed TRID Total of Payments Test due to Calculated Finance charge of $xxx,xxx.xx exceeds Disclosed Finance charge of $xxx,xxx.xx over by -$xxx.xx. |
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| 3278802 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | TILA Finance charge disclosed on Final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. Subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. |
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| 3278802 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan is aged due to delay in property inspection and lender need to refinance the loan or sell it as S&D. Further details not provided. | ||
| 3278802 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 3278802 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 11224340 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows BWR was not employed at closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x months on the job as a xx. Additionally, the BWRx has been SE for x.xx years at xx; BWRx has x years on the job as a lead xx, FICO xxx, and $xxxK equity in the subject. | ||
| 11224340 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 11224340 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at $xx. Current UPB: $xx. | ||
| 15351240 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 15351240 | xx | xx | xx | ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * LE/CD Issue date test Fail (Lvl 3) | Loan fails compliance delivery and timing test for CD dated xx/xx/xxxx. The document tracker is missing, and x business days were added to get the receipt date of xx/xx/xxxx, which is after the consummation date of xx/xx/xxxx. | ||
| 15351240 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 4: Unacceptable | * Property Marketability Issues (Lvl 4) | Tape shows the subject condo project is involved in active litigation and is not on the FNMA list of approved condo projects. Loan file is missing condo questionnaire. Further details not provided. Subject closed xx/xx/xx. Appraised value $x.xxM. UPB $xxxK. Elevated for client review | ||
| 82382193 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape shows the subject is a unit at the xx condo project in xx, FL, that is older than xx years and is located within x miles from a xx. A structural inspection of the project was not provided by the HOA. Further details not provided. | ||
| 82382193 | xx | xx | xx | 74be4ec5-5b69-41dd-8139-7a2f79aff20b | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 3: Curable | * DSCR is less than 1.00 (Lvl 3) | Net operating income is $xx,xxx.xx and annual payments (Debt Service) are $xx,xxx.xx and the debt service cover ratio (DSCR) is x.xx. | ||
| 57547016 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling organizations disclosure is missing from the loan documents. | ||
| 57547016 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows lender miscalculation of BWR SE income and BWR has limited credit history. The revised DTI is xx%. Lender defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx Additionally, the BWR has been SE for x.xx years at a xx, FICO xxx, $xxK equity in the subject, and residual income $x,xxx. | ||
| 39717554 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | * Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from the loan documents. | ||
| 39717554 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property, valued at $xx. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 96571614 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Credit | Active | 3: Curable | * Missing Initial 1003_Application (Lvl 3) | The initial application signed by the loan originator is missing from the loan documents. | ||
| 96571614 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject was approved at xx%. Tape shows undisclosed debt. Revised DTI is xx%. Further details not provided. BWR defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, $xxK equity in the subject and $x,xxx residual income. | ||
| 96571614 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | * Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. | ||
| 96571614 | xx | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Doc Issue | Active | 3: Curable | * Missing flood cert (Lvl 3) | The flood certificate is missing from the loan documents. | ||
| 96571614 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 42272613 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | * Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows property is NOO due to BWR misrepresentation as they remained in departure residence. Further details were not provided. Elevated for client review. | ||
| 42272613 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. | ||
| 42272613 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 42272613 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report in the loan file is as-is. The photo addendum and improvement section show the notable cracks in the bedroom wall and ceiling. The estimated cost to cure is not available in the loan file. xxxxD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. | ||
| 42272613 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from loan documents. | ||
| 42272613 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved as OO at xx%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR departing housing expense. Further details were not provided. BWR defect. The subject originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx. Additionally, BWR has x.xx years on the second job as a xx, FICO xxx, $xxK equity in the subject. | ||
| 42272613 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 4: Unacceptable | * Property Marketability Issues (Lvl 4) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x, with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 15517971 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the AUS was invalidated due to the incorrect appraised value of $xxxK and revised appraised value of $xx, increasing the LTV from xx% to xx%. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB $xx. | ||
| 15517971 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | AUS | Active | 3: Curable | * Missing DU/GUS/AUS as required by guidelines (Lvl 3) | AUS from the time of closing is missing from the loan documents. Post-close AUS is available and its risk recommendation is Approve/Eligible at xx% DTI. | ||
| 15517971 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 15517971 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | * Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. | ||
| 15517971 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 15517971 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID Violation due to decrease in Lender Credit on Closing Disclosure dated xx/xx/xxxx. Initial LE dated xx/xx/xxxx reflects Lender Credit at $x,xxx. Final CD dated xx/xx/xxxx reflects Lender Credit at $x.xx. This is decrease of +$x,xxx for fee which has x% tolerance test. Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. CD dated xxx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. Loan estimate dated xx/xx/xxxx does not reflect Hybrid E Closing Fee. CD dated xxx/xx/xxxx reflects Hybrid E Closing Fee at $xx.xx. Loan estimate dated xx/xx/xxxx reflects Transfer Taxes at $xxx.xx. CD dated xxx/xx/xxxx reflects Transfer Taxes at $xxx.xx. This is a cumulative increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years. |
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| 15517971 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Credit | Active | 3: Curable | * Missing Initial 1003_Application (Lvl 3) | Missing initial application dated xx/xx/xxxx signed by the loan originator. | ||
| 71489390 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. | ||
| 71489390 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 71489390 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Underwriting | Active | 3: Curable | * Transmittal (1008) is Missing (Lvl 3) | Final transmittal summary is missing from the loan documents. | ||
| 71489390 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows BWR approved on the subject loan with Jx category VISA is not acceptable as per FNMA guidelines. VISA expiration date is xx/xx/xxxx. Further details not provided. | ||
| 52854461 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows lender was not able to verify the BWR’s employer. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has x.xx years on the job as an area manager at xx, FICO xxx, and $xxK equity in the subject. | ||
| 52854461 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 52854461 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount and consummation or reimbursement date validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 52854461 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. LE dated xx/xx/xxxx does not reflect points - loan discount fee. CD dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the x year SOL has expired. TRID violation due to decrease in lender credit on CD dated xx/xx/xxxx. Initial LE dated xx/xx/xxxx reflects lender credit at $x,xxx. CD dated xx/xx/xxxx reflects lender credit at $x.xx. This is decrease of -$x,xxx for fee which has x% tolerance test. Valid COC for the decrease in NSLC is missing from the loan document. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL has expired. |
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| 69527793 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 69527793 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO due to misrepresentation as BWR listed the subject property for rent after closing, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has x months on the job as a xx, FICO xxx, and $xxK equity in the subject. | ||
| 69527793 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from the loan documents. | ||
| 69527793 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Data Edit | Active | 4: Unacceptable | * Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows the subject is NOO due to misrepresentation as BWR listed the subject property for rent after closing. Further details not provided. Elevated for client review. | ||
| 88098992 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing from loan documents. | ||
| 88098992 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows BWR was not employed at closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x months on the job as a xx, FICO xxx, and $xx equity in the subject. | ||
| 88098992 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. | ||
| 88098992 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$x,xxx.xx. The below fee was included in the test: Points - Loan Discount Fee paid by Borrower: $xx,xxx.xx |
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| 88098992 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$x,xxx.xx. The below fee was included in the test: Points - Loan Discount Fee paid by Borrower: $xx,xxx.xx This loan failed the TRID Rate Lock Disclosure Delivery Date Test due to a disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xx/xx/xxxx, xx/xx/xxxx and xx/xx/xxxx. |
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| 88098992 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges than in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at +$x,xxx.xx. This is a cumulative increase of $xx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. | ||
| 33503278 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Valuation | Doc Issue | Active | 4: Unacceptable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The appraisal report is as-is, and the photo addendum shows water damage to the ceiling. A property inspection performed on the subject property revealed multiple issues that pose health and safety hazards and structural integrity issues. xxxxD verifying the completion of suggested repairs and final inspection report verifying the structural integrity of the property by a licensed professional is missing from the loan documents. The estimated amount of repairs is not available, and the final CD does not reflect the escrow holdback amount. | ||
| 33503278 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | * Intent to Proceed Missing (Lvl 3) | The intent to proceed disclosure is missing from loan documents. | ||
| 75156663 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows DU was invalidated due to an increase in LTV from an appraisal obtained post-close. MI coverage obtained was xx% instead of xx% as required. Post-close appraisal is missing from the loan file. Further details not provided. | ||
| 75156663 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 75156663 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 75156663 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase the x% tolerance test. Initial LE dated xx/xx/xxxx reflects points—loan discount fee at $x,xxx.xx. The final CD dated xx/xx/xxxx reflects points—a loan discount fee at $x,xxx.xx. This is an increase of +$x,xxx.xx for charges that cannot increase x% tolerance tests. A valid COC for an increase in fee is missing from the loan documents.The subject loan is a purchase, originated on xx/xx/xxxx, and the SOL is x year active. | ||
| 75156663 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 3: Curable | * Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from loan documents. | ||
| 8869439 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | Tape shows closing documents signed on xx/xx/xxxx is one day earlier than it was supposed to be signed. Further details not provided. Infinity compliance result failed delivery and timing test for LE and CD. | ||
| 8869439 | xx | xx | xx | ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * LE/CD Issue date test Fail (Lvl 3) | The loan failed the compliance ease of delivery and timing tests for the revised loan estimate dated xx/xx/xxxx electronically signed on xx/xx/xxxx, which is less than x business days before the consummation date of xx/xx/xxxx. Loan failed compliance Ease delivery and timing tests for the initial CD dated xx/xx/xxxx; the initial closing disclosure delivery date is less than six business days before the consummation date. |
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| 34222673 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan is uninsured by VA as the seasoning requirement was not met. Further details not provided. | ||
| 34222673 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | The VA guaranty certificate is missing from the loan documents. | ||
| 65736753 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | VA loan guaranty certificate is missing from the loan documents. | ||
| 65736753 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | The loan failed the prohibited fees test. The following fees were included in the test: Attorney's Fee (Closing Agent Only) paid by Borrower: $xxx.xx |
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| 65736753 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan is uninsured by VA as the GNMA seasoning requirement was not met. Further details not provided. | ||
| 13151485 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | VA loan guaranty certificate is missing from the loan documents. | ||
| 13151485 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan should have closed as a VA assumption loan as the entitlement used on the subject loan was from BWR’s ex-spouse. Further details not provided. | ||
| 13151485 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA Foreclosure Rescission Finance Charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xx.xx. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years. Loan failed TILA Post-Consummation Revised Closing Disclosure Foreclosure Rescission Finance Charge test. Finance charge disclosed on post CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xx.xx. Reason for finance charge under disclosure is unknown as the fee itemization is missing. Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years. |
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| 13151485 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Colorado | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 83137599 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | * Missing Initial Closing Disclosure (Lvl 3) | Initial CD is missing from loan file. | ||
| 83137599 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | Compliance ease TRID tolerance test incomplete due to initial closing disclosure is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the SOL is x year. | ||
| 83137599 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. The tape shows the lender did not establish three years of continuous retirement distribution income. Review shows lender also miscalculated rental income and the revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR receives retirement income, FICO xxx, xXxx since inception, and $x,xxx residual income. | ||
| 53571136 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | Q-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. The tape shows rental income miscalculation by the lender. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.x years on the job as a xx, FICO xxx, xXxx since inception, $xx equity in the subject, and $x,xxx residual income. | ||
| 53571136 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | Q-TRID | QC Complete | North Carolina | xx | Credit | Underwriting | Active | 3: Curable | * Transmittal (1008) is Missing (Lvl 3) | Final transmittal summary is missing from the loan documents. | ||
| 53571136 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | Q-TRID | QC Complete | North Carolina | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is, and the photo addendum shows the repairs or improvements to the bathroom were not fully completed. The estimated cost to cure is not available in the loan file. xxxxD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. | ||
| 53571136 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Q-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate. | ||
| 87625069 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows undisclosed auto debt with a monthly payment of $xxx. The revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, xXxx since inception, $xxK equity in the subject, and residual income $x,xxx. | ||
| 26310222 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows an income miscalculation over the BWR bonus and the subject is NOO as BWR never occupied the subject property causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x years on the job as a xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. | ||
| 26310222 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase case that originated on xx/xx/xxxx, and the x-year SOL is active. | ||
| 26310222 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 26310222 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect Survey Fee. CD dated xx/xx/xxxx reflects Survey Fee at $xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. Valid COC is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/xxxx, and the x-year SOL is active. | ||
| 26310222 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Data Edit | Active | 4: Unacceptable | * Occupancy concerns - (Lvl 4) | Subject was approved as OO. Tape indicates that the property is NOO as BWR never occupied the subject property. Further details not provided. Elevated for client review. | ||
| 26310222 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails Compliance Ease delivery and timing test for Revised Closing Disclosure dated xx/xx/xxxx. Document tracker is missing and x business days were added to get receipt date xx/xx/xxxx which is after the consummation date xx/xx/xxxx. | ||
| 57706992 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed Compliance Ease delivery and timing test for revised closing disclosure dated xx/xx/xxxx. Document tracker is missing and x business days were added to get receipt date xx/xx/xxxx which is on the Consummation date xx/xx/xxxx. | ||
| 57706992 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows lock fallout. Further details are not provided. | ||
| 57706992 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the late fees test. Late fee calculated at $xxx.xx exceeds the threshold of $xxx.xx by $xx.xx. |
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| 57706992 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 20500393 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan is unsalable as the BWR intended to sell the property, and the property was never sold. Further details not provided. | ||
| 20500393 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. The initial loan estimate dated xx/xx/xxxx reflects verification fee of $xxx.xx. The final CD dated xx/xx/xxxx reflects verification fee of $xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case that originated on xx/xx/xxxx; the SOL is x year active. | ||
| 20500393 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | ComplianceEase exception failed the reimbursement amount validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 85842799 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape reflects an increased DTI of xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x months on the job as a xx, FICO xxx, xXxx since inception, $xxK equity in the subject, and $x,xxx residual income. | ||
| 85842799 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | The tape shows the condo project is not accepted. Further details not provided. The condo questionnaire in the file reflects a special assessment of roof replacement, totaling an amount of $xx, and the HOA is involved in active litigation and the total claim amount is $xx. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 85842799 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 8702064 | xx | xx | xx | c3e6361e-df5f-4c53-9b34-b137e5a1b580 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Credit | Active | 1: Acceptable | * LTV / CLTV > 100% (Lvl 1) | Collateral value used for underwriting is $xx. Amount of secondary lien is $xx. Superior loan amount is $xx. LTV is xx% and CLTV is xx%. Current UPB is $xx. | ||
| 8702064 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape shows income used for qualification exceeded the maximum compliance income allowed by WHEDA. Further details not provided. | ||
| 81358413 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 81358413 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape shows appraised value of $xx at closing is not supported as field review report reflected a lower value of $xx. The appraisal report shows that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x, with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. Further details not provided. | ||
| 81358413 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. |
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| 3478009 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows undisclosed debt with a monthly payment of $x,xxx. Further details not provided. BWR defect. The subject originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.xx years on the job as a xx. BWRx has x.xx years on the job as a xx, FICO xxx, xXxx since inception, and $xx equity in the subject and residual income $x,xxx. | ||
| 3478009 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete as the initial CD is missing from loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx, and the SOL is x year. | ||
| 3478009 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | * Missing Initial Closing Disclosure (Lvl 3) | The initial closing disclosure is missing from the loan documents. | ||
| 50869863 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 50869863 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape and the appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x, with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. Further details not provided. | ||
| 50869863 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Kansas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the Kansas license validation test. | ||
| 47266896 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulation for the first lien prohibited fees test. The following fees were included in the test: Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx. |
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| 47266896 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows rental income miscalculation as the lender did not obtain supporting documents. Revised DTI xx%. Lender defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWRx and BWRx have been SE for x years at xx, FICO xxx, xXxx since inception, and $xxxK equity in the subject. | ||
| 47266896 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 96750535 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | As per the tape and appraisal, the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Market value of the subject property ($xx) is closest to the adjusted sales price ($xx) of comparable #x. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 96750535 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved at xx%. Review of files shows BWRs were on leave at the time of closing and there was no return to work docs in file. Further details not provided. Lender defect. Subject originated xx/xx/xx and the x year SOL is active. BWRx has x years as a xx. BWRx has x years as a nurse at Carle Hospital. FICO xxx. $xxxK equity in subject. | ||
| 96750535 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 84323873 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | * Right of Rescission missing or unexecuted (Lvl 3) | Right of rescission is missing from the loan documents. | ||
| 84323873 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulation for the first lien prohibited fees test. The following fees were included in the test: Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx. |
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| 84323873 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Missouri | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Market value of the subject property ($xx) is closest to the adjusted sales price ($xx) of comparable #x. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 15492106 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect points - loan discount fee. CD dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the x-year SOL has expired. | ||
| 15492106 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 15492106 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows income miscalculation as the lender did not average variable income. Review shows the revised DTI is xx%. Lender defect. Further details not provided. The subject originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx. BWRx has x.xx years on the job as a xx, FICO xxx, xXxx since inception, $xxxK equity in the subject, and $x,xxx residual income. | ||
| 15492106 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails QM lending policy points and fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx The below fees were included in the test: Loan Origination Fee paid by Borrower: $xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx |
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| 15492106 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Georgia | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Loan Origination Fee paid by Borrower: $xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx |
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| 3744603 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). Loan failed qualified mortgage safe harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. Subject loan is escrowed. |
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| 3744603 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan failed qualified mortgage APR threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. | ||
| 3744603 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | AUS | Active | 3: Curable | * Missing DU/GUS/AUS as required by guidelines (Lvl 3) | The AUS report is missing from the loan documents. | ||
| 3744603 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 3744603 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | * Missing Required Disclosures (Lvl 3) | Home loan toolkit is missing from the loan documents. | ||
| 3744603 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape and Infinity compliance report shows the loan failed the HPML test. The subject loan is escrowed. Further details not provided. | ||
| 3744603 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan failed GSE (Fannie Mae public guidelines) QM APR test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. | ||
| 3744603 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Credit | Active | 3: Curable | * Missing Initial 1003_Application (Lvl 3) | Initial application signed by the loan originator is missing from the loan documents. | ||
| 66766463 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects appraisal fee at $xxx.xx. CD dated xx/xx/xxxx reflects appraisal fee at $xxx.xx. Loan estimate dated xx/xx/xxxx reflects credit report fee at $xxx.xx. CD dated xx/xx/xxxx reflects credit report fee at $xxx.xx. This is a cumulative increase in fee of $xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject is a purchase case originated on xx/xx/xxxx, and the x-year SOL is active. |
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| 66766463 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan failed delivery date test for revised CD dated xx/xx/xxxx. Document tracker is missing and x business days were added to get receipt date xx/xx/xxxx which is after the consummation date xx/xx/xxxx. | ||
| 66766463 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 66766463 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Underwriting | Active | 3: Curable | * Transmittal (1008) is Missing (Lvl 3) | Final xxxx is missing from the loan documents. Post-close xxxx with different loan terms is available and located at xx. | ||
| 66766463 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | AUS | Active | 3: Curable | * Missing DU/GUS/AUS as required by guidelines (Lvl 3) | AUS report is missing from the loan documents. | ||
| 66766463 | xx | xx | xx | 84c89ff6-f288-4cec-987b-ea9e4c6be28d | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Doc Issue | Active | 3: Curable | * Mortgage - Missing required ARM Rider (Lvl 3) | ARM rider is missing from the loan file. | ||
| 66766463 | xx | xx | xx | 0270b5a0-6846-4580-a03f-12f44a18d0d3 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Doc Issue | Active | 4: Unacceptable | * Note is missing or unexecuted (Lvl 4) | Tape and file show subject note is defective. Subject loan closed as an ARM. Note is fixed. Reaching out to counsel for remediation. | ||
| 66766463 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Credit | Active | 3: Curable | * Missing Initial 1003_Application (Lvl 3) | Initial application signed by the loan originator is missing from the loan documents. | ||
| 89610076 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Underwriting | Active | 2: Acceptable with Warnings | * Transmittal (1008) is Missing (Lvl 2) | Final transmittal summary is missing from the loan documents. | ||
| 89610076 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 89610076 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx does not reflect Rate Lock Fee. Final CD dated xx/xx/xxxx reflects Rate Lock Fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL is expired. |
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| 89610076 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 89610076 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower’s income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU Locator xx and its recommendation is Approve/Eligible with a DTI of xx%. | ||
| 89610076 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). Loan failed the MD COMAR higher-priced mortgage loan test due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. . |
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| 89610076 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows miscalculation of gift funds. Review of the file shows bank statements, a gift letter missing from the loan documents, and a cash-to-close requirement is $xxK. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWRx has x months on the job as a xx; BWRx has x.xx years on the job as a data provisioner at xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. | ||
| 89610076 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | FHA mortgage insurance certificate is missing from the loan documents. | ||
| 89610076 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed FHA QM Safe Harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. |
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| 78987039 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows lender missed the undisclosed student loan debt with a monthly payment of $xxx that was opened prior to closing. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.xx years on the job as a xx, BWRx has been SE for x.x years at xx, FICO xxx, xXxx since inception, $xxxK equity in the subject and $x,xxx residual income. | ||
| 80469061 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows an undisclosed HOA debt of REO with a monthly payment of $xx. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has been SE for x.xx years at xx; BWRx has been SE for x.xx years at xx, FICO xxx, $xxK equity in the subject and $xx,xxx residual income. | ||
| 90363091 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR's new job has fluctuating income. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWRx has x months on the job as a xx. Additionally, BWRx was SE for x years as a xx. BWRx has x years on the job as a xx, VA, FICO xxx, and $xxK equity in the subject. | ||
| 90363091 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | * Cash out purchase (Lvl 2) | The subject loan is a purchase case. Final CD dated xx/xx/xxxx reflects cash to in the amount of $xxx.xx. | ||
| 85840727 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is, and the tape and appraisal report show the property needs repairs to the rotten wood on the exterior of the home. The estimated cost to cure is not available in the loan file. The xxxxD completion report is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. | ||
| 71017599 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Subject loan closed with BWR as an LLC and title vested in the name of xx. Canadian DL and passport shows BWR is a Canadian citizen. Elevated for client review. | ||
| 44503647 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 44503647 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape and file show miscalculation as lender treated mortgage as monthly when it should be bi-weekly. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has xx.xx years on the job as xx, FICO xxx, xXxx since inception, $xxK equity in the subject, and $x,xxx residual income. | ||
| 82048849 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Valuation | Property | Active | 2: Acceptable with Warnings | * Property is Manufactured Housing (Lvl 2) | Home is affixed. As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at “xx” state that the manufactured home with serial # xx has been affixed to the permanent foundation. | ||
| 82048849 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 82048849 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is not eligible for cash-out refinance as the subject property is a single wide MH. Further details not provided. | ||
| 82048849 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). Loan failed Qualified Mortgage Safe Harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. |
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| 18910160 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from loan documents. | ||
| 18910160 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The subject loan approved at a CLTV of xx% exceeds the CLTV threshold of xx% for manufactured housing. Further details not provided. Zillow shows an estimated value of $xx. Current UPB $xx. | ||
| 18910160 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Valuation | Property | Active | 3: Curable | * Property is Manufactured Housing (Lvl 3) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured housing. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at “xx” state that the manufactured home with serial # xx has been affixed to the permanent foundation. TPOL schedule B shows an exception for prior affidavit of affixation recorded on xx/xx/xxxx. | ||
| 12524526 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWRx was not employed at closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x years on the job as a xx; BWRx has x months on the job as a xx, FICO xxx, xXxx since inception and $xxK equity in the subject. | ||
| 12524526 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 12524526 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the state regulations for the prohibited fees test. The below fees were included in the test: Courier Fee paid by Seller: $xx.xx HOA Working Capital paid by Borrower: $xxx.xx Homeowner's Dues paid by Borrower: $xxx.xx Real Estate Commission paid by Seller: $xx,xxx.xx Release Services paid by Seller: $xx.xx Seller Attorneys Fee paid by Seller: $x,xxx.xx Sewer BILL paid by Borrower: $xx.xx Sewer Bill paid by Seller: $xx.xx Title - Tax Report paid by Borrower: $xx.xx Title Closing Protection Letter paid by Borrower: $xx.xx Title Transaction Management paid by Borrower: $xx.xx Warehousing Fee paid by Borrower: $xx.xx. | ||
| 30740647 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan is NOO and was approved at xx%. Tape shows BWR was not employed at the time of closing. BWR defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.xx years on the job as an xx. BWRx has x months on the job as an IR tech at xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. | ||
| 30274828 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | OM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | * Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/xxxx reflects cash to the borrower in the amount of $xxx.xx. | ||
| 30274828 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | OM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows undisclosed debt with monthly payments of $xxx. Revised DTI is xx%. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x months on the job as an xx. BWRx has x months on the job as a xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. | ||
| 30274828 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | OM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit on Closing Disclosure dated xx/xx/xxxx. Initial LE dated xx/xx/xxxx reflects lender credit at $x,xxx. Final CD dated xxx/xx/xxxx reflects lender credit at $x,xxx.xx. This is decrease of +$xxx.xx for fee which has x% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL is expired. |
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| 45707348 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 45707348 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from loan documents. | ||
| 45707348 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan closed with xx% LTV using an appraised value of $xx does not meet FHA guidelines as the subject loan is being refinanced within a year. Using the purchase price of $xx LTV increases from xx% to xx%. | ||
| 37380914 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan shared an AUS/LP key with another file that closed simultaneously for the same borrower, different property. Review shows BWR was refinancing departing residence at same time of subject mortgage. Lender properly included PITI and rental income from departing residence. | ||
| 37380914 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete due to the initial CD missing from loan documents. | ||
| 37380914 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. | ||
| 37380914 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 74938097 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan does not meet VA net tangible benefit requirements for a refinance loan. Purpose of loan was to avoid the prior default. Further details not provided. | ||
| 74938097 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. Subject loan is a refinance case, originated on xx/xx/xxxx and the x-year SOL is active. Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. Subject loan is a refinance case, originated on xx/xx/xxxx and the x-year SOL is active. | ||
| 74938097 | xx | xx | xx | 42fa4669-fe5d-412e-9c32-21b87047de7c | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | * Revised Loan Estimate is missing (Lvl 3) | Revised LE dated xx/xx/xxxx and xx/xx/xxxx are missing from the loan documents. | ||
| 24577866 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows income not supported as the BWR qualified with military housing stipend income without a history of receipt of the stipend. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR started a new job on xx/xx/xxxx as a registered xx, FICO xxx, xXxx since inception and $xxK equity in the subject. Downgrade to LVLx based on PH. |
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| 32313554 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final xxxx application is missing from the loan file. | ||
| 32313554 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Credit | Active | 3: Curable | * Lost Note Affidavit (Lvl 3) | A Lost Note affidavit located in the loan file at "xx" which states that the Original Note has been misplaced or lost. However copy of Note also found in the loan file. | ||
| 48819550 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows income miscalculation as dividend income was declining. Review shows DTI xx%. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x years on the job as a xx. BWRx has x months on the job as a sales manager with xx. Additionally, BWRx receives dividend income, FICO xxx, xXxx since inception, and $xx equity in the subject. | ||
| 48819550 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Missing Initial Closing Disclosure (Lvl 3) | Initial closing disclosure is missing from the loan documents. | ||
| 48819550 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Missing Required Disclosures (Lvl 3) | Settlement services provider list is missing from the loan documents. | ||
| 48819550 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. | ||
| 48819550 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. | ||
| 48819550 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 48819550 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete as the initial CD is missing from loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the x-year SOL is expired. | ||
| 20295823 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows variable income is not supported by x years of history. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.xx years on the job as a xx, BWRx has xx.xx years on the job as a teacher with xx, FICO xxx and $xxxK equity in the subject. Review shows ATR is supported. | ||
| 92014440 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows wind coverage on master insurance is insufficient since it does say "replacement cost." The master policy does not reflect replacement cost or wind coverage information. Further details not provided. | ||
| 92014440 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 15241506 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | Tape shows compliance violation. Further details are not provided. Infinity compliance results show that this loan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. | ||
| 15241506 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the TRID initial closing disclosure date and the date the creditor received the application validation test due to this loan containing an initial closing disclosure receipt date of xx/xx/xxxx that is before the date the creditor received the application date of xx/xx/xxxx. | ||
| 15241506 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 15241506 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. | ||
| 15241506 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the brokerage/finder fee test due to the mortgage loan charges a brokerage/finder fee that exceeds x% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee. | ||
| 17161484 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape reflects an increased DTI of xx%. Further details are not provided. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx%, FICO xxx, xXxx since inception, and $x,xxx residual income. Review shows ATR confirmed. | ||
| 17161484 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 17161484 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete as the initial CD is missing from loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the x-year SOL is expired. | ||
| 17161484 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Missing Initial Closing Disclosure (Lvl 3) | The initial CD is missing from the loan documents. | ||
| 17161484 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. | ||
| 17161484 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value of $xx and a Current UPB of $xx. | ||
| 17161484 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape shows an ineligible condo project. Review of the condo questionnaire shows a deferred maintenance schedule for wood siding replacement and full building fumigations for termites scheduled for xxxx. The estimated amount for repair is $xx per unit. xxxxD or the inspection report for the completion of pest inspection treatment is missing from the loan documents. Further details not provided. | ||
| 17161484 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. | ||
| 17161484 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | * Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD dated xx/xx/xxxx reflects cash to in the amount of $x,xxx.xx. | ||
| 17161484 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Missing Required Disclosures (Lvl 3) | The settlement services provider list is missing from the loan documents. Home loan toolkit is missing from the loan documents. |
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| 5629975 | xx | xx | xx | 64b4e88c-ac9f-44af-bd44-81df53d25df8 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Closing_Disclosure violations (Lvl 3) | Revised CD dated xx/xx/xxxx is missing from the loan documents. Post-CD dated xx/xx/xxxx is missing from the loan documents. | ||
| 5629975 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final closing disclosure is missing from the loan documents. | ||
| 5629975 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Missing Required Disclosures (Lvl 3) | Settlement services provider list is missing from the loan documents. | ||
| 5629975 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 3: Curable | * Notice of Servicing Transfer missing or unexecuted (Lvl 3) | Servicing transfer disclosure is missing from the loan documents. | ||
| 5629975 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. | ||
| 5629975 | xx | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Missing Initial LE (Lvl 3) | Initial LE dated xx/xx/xxxx is missing from the loan documents. | ||
| 5629975 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 5629975 | xx | xx | xx | 933d08cd-a527-4b11-a953-3fea2acf8a38 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | * Missing flood cert (Lvl 3) | Flood certificate is missing from the loan documents. | ||
| 5629975 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure signed by the borrower is missing from the loan documents. | ||
| 5629975 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | Tape shows exceeds QM points and fees x% limit by roughly $xxx.xx. Infinity did not test CE on this loan as LE and CD are missing from loan documents. | ||
| 5629975 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. | ||
| 5629975 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Missing Initial Closing Disclosure (Lvl 3) | Initial CD dated xx/xx/xxxx is missing from the loan documents. | ||
| 18701833 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows there are issues with occupancy causing lender to omit BWR primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx receives retirement income and rental income. BWRx has x.xx years on the job as an xx, FICO xxx, and $xxK equity in the subject. | ||
| 18701833 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Data Edit | Active | 4: Unacceptable | * Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows there are issues with occupancy. Further details not provided. Elevated for client review. | ||
| 18701833 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed the state regulations for the prohibited fees test. The following fees were included in the test: Attorney's Fee paid by Seller: $x,xxx.xx Real Estate Commission paid by Borrower: $xx,xxx.xx Real Estate Commission-Seller paid by Seller: $xx,xxx.xx Tax Certificate Fee paid by Borrower: $xx.xx Title Closing Protection Letter (CPL) paid by Borrower: $xx.xx Wire Transfer Fee paid by Seller: $xx.xx. | ||
| 22254666 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM_TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 22254666 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM_TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWRx was not employed at the time of closing. BWRx income not used for qualification. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.xx years on the job as a xx, FICO xxx, xXxx since inception, and $xx equity in the subject. | ||
| 22254666 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM_TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan failed the GSE (Freddie Mac public guidelines) QM Points and Fees test due to fees charged $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$xxx.xx. The below fees were included in the test: Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $x,xxx.xx. Loan failed the Qualified Mortgage Lending Policy Points and Fees test due to fees charged $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$xxx.xx. The below fees were included in the test: Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $x,xxx.xx. |
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| 22254666 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM_TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | * Missing proof of hazard insurance (Lvl 3) | Hazard insurance policy is missing from the loan documents. | ||
| 75169659 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Subject approved as NOO. Tape shows the property was listed for sale within x months of closing and has been delisted now. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 75169659 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as-is. The supplemental and the photo addendum show cracks on the interior of the home, which indicate foundation settlement. The estimated cost to cure is $xx. xxxxD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. | ||
| 61190697 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 61190697 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. | ||
| 61190697 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xxx.xx. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL is active. TRID violation due to decrease in lender credit on Closing Disclosure dated xx/xx/xxxx. Initial CD dated xx/xx/xxxx reflects lender credit at $xxx.xx. Final CD dated xx/xx/xxxx reflects lender credit at $x.xx. This is decrease of +$xxx.xx for fee which has x% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. |
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| 61190697 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 61190697 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows the omission of mortgage debt by the lender. Revised DTI is xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, $xxK equity in the subject and $x,xxx residual income. | ||
| 21685947 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Administration Fee paid by Borrower: $x,xxx.xx Mortgage Broker Fee (Indirect) $xx,xxx.xx Points - Loan Discount Fee paid by Borrower: $xx,xxx.xx Loan failed qualified mortgage lending policy points and fees test due to fees charged $xx,xxx.xx fees threshold $xx,xxx.xx over By +$x,xxx.xx. Administration Fee paid by Borrower: $x,xxx.xx Mortgage Broker Fee (Indirect) $xx,xxx.xx Points - Loan Discount Fee paid by Borrower: $xx,xxx.xx |
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| 21685947 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows SE income miscalculation, as the lender used only a x-year tax return. Revised DTI xx%. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has been SE for x.xx years with xx. BWRx has xx.xx years on the job as a xx, a FICO score of xxx, $xxxx residual income and $xxK equity in the subject. | ||
| 25954116 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Mortgage Broker Fee (Indirect) $xx,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Loan fails QM lending policy points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$x,xxx.xx. The following fees were included in the test: Mortgage Broker Fee (Indirect) $xx,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx |
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| 25954116 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows overtime income miscalculation. Revised DTI is xx%. Further details not provided. Lender defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.x years on the job as a xx, FICO xxx, $xxK equity in the subject and $x,xxx residual income. | ||
| 81421778 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | * Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from the loan documents. | ||
| 81421778 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 81421778 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject property was flipped and was not seasoned for xx days. The review of the appraisal report shows the date of prior sales or transfers is xx/xx/xxxx, and the price of the prior sale or transfer was $xx. The current sale price is $xx. No major renovations were done to the property. Zillow search shows an estimated value of $xx. Current UPB $xx. | ||
| 81421778 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents. | ||
| 81421778 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 81421778 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges in total cannot increase more than xx% in the tolerance test. The LE dated xx/xx/xxxx reflects the sum of Section C fees and recording fees at $xx.xx. CD dated xx/xx/xxxx reflects the sum of Section C and the recording fee at $xxx.xx. This is a cumulative increase of +$xx.xx for charges that in total cannot increase more than xx% in the test. COC for the increase in fee is missing from the loan documents. The subject loan is a purchase originated on xx/xx/xxxx, and the SOL is x year. | ||
| 81421778 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 3) | The affiliated business disclosure is missing from the loan documents. | ||
| 35115211 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 35115211 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | The credit report is missing from the loan documents. | ||
| 35115211 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Credit | Credit | Active | 3: Curable | * Lost Note Affidavit (Lvl 3) | The seller's tape data shows LNA w/copy of note. The lost note affidavit is not available in the file. The copy of the note is available in the loan documents at xx. Further details are not provided. | ||
| 35115211 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | Finance charge disclosed on Final TIL as $xxx,xxx.xx. The calculated finance charge is $xxx,xxx.xx for an undisclosed amount of -$xxx.xx. TILA Foreclosure Rescission Finance Charge Test due to finance charge disclosed on Final TIL as $xxx,xxx.xx. The calculated finance charge is $xxx,xxx.xx for an undisclosed amount of -$xxx.xx. | ||
| 62341034 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject was approved at xx%. Tape shows employment misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has xx years on the job as a xx; BWRx has been an SE for x.xx years at xx, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. | ||
| 62341034 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations. | ||
| 62341034 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | Tape shows the subject loan is non-QM/ATR non-compliant. Further details not provided. | ||
| 62341034 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/xxxx, reflects Points - Loan Discount Fee at $xx,xxx.xx. This is an increase in fees of +$xx,xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case originated on xx/xx/xxxx, and the x-year SOL has expired. | ||
| 8177316 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan documents. Zillow search shows an estimated value of $xx. Current UPB $xx. | ||
| 8177316 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 8177316 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | ARM loan program disclosure is missing from the loan documents. | ||
| 8177316 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. | ||
| 8177316 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test as the final TIL is missing from the loan documents. | ||
| 8177316 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape shows HUD-x is missing. Review of the loan file shows HUD-x is available and CE was tested. | ||
| 8177316 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Pre-QM | QC Complete | Georgia | xx | Compliance | Doc Issues | Active | 3: Curable | * Not all borrowers signed HUD (Lvl 3) | Final settlement statement not hand-dated by the borrower. | ||
| 93252911 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows a SBA loan of $xxx,xxx was not recognized during UW. Review of file shows monthly payment for SBA loan not included in DTI calculations. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR receives pension and social security income, FICO xxx, xXxx in the last xx months. | ||
| 93252911 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. Loan failed charges that in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $x,xxx.xx. This is a cumulative increase of +$xxx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. |
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| 93252911 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 93252911 | xx | xx | xx | 0ccaa0a4-a6f1-409c-99b7-8145cd4b8bdf | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | LTV | Active | 4: Unacceptable | * LTV or CLTV exceeds 104% (Lvl 4) | Collateral value used for underwriting is $xx. The amount of the secondary lien is $xx and another lien of $xx. Loan amount is $xx. LTV is xx% and CLTV is xx%. Current UPB is $xx. | ||
| 93252911 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 63149668 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 63149668 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | The tape shows the subject is a non-QM/ATR non-compliant loan. Further details not provided. | ||
| 63149668 | xx | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | * Assets do not meet guidelines (Lvl 3) | The tape shows a minimum reserve requirement short of $xx. Total available assets as per review of the bank statement are $xx,xxx.xx with EMD, satisfying the cash-to-close requirement of $x,xxx.xx. Further details not provided. The subject loan originated on xx/xx/xxxx. BWR has x months on the job as a worker at xx, FICO xxx, and $xxK equity in the subject. | ||
| 63149668 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from the loan documents. | ||
| 28810295 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Valuation | Property | Active | 2: Acceptable with Warnings | * Property is Manufactured Housing (Lvl 2) | Home is affixed. As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at “xx” state that the manufactured home with model name Astro has been affixed to the permanent foundation. | ||
| 28810295 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * GSE Points and Fees Test Violations (Lvl 2) | Loan failed FHA QM Safe Harbor Test threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. | ||
| 28810295 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The appraisal report is subject to the completion of construction. xxxxD is missing from the loan documents. Subject originated in xxxx. Current UPB $xx. | ||
| 28810295 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | FHA mortgage insurance certificate is missing from loan documents. | ||
| 28810295 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test as the calculated finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate because it is understated by more than -$xx,xxx.xx. Loan failed TILA APR test due to APR calculated x.xxx% exceeds APR threshold x.xxx% over by -x.xxx%. Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years. | ||
| 28810295 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure signed by borrower is missing from loan documents. | ||
| 28810295 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows ATR risk. Further details not provided. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWRx receives social security income. BWRx receives social security income, FICO xxx, xXxx in the last xx months, and $xx equity in the subject. | ||
| 28810295 | xx | xx | xx | c71430b9-0b8d-4618-9ecc-090172ed7603 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Valuation | Valuation | Active | 2: Acceptable with Warnings | * Subject property is a multi-family (Lvl 2) | Tape shows SF. Appraisal in file is subject to construction. Zillow and Redfin show subject may be a multi family or an apartment building. Assessor report confirms subject is doublewide on a concrete slab. Elevated for client review. | ||
| 28810295 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher Price Mortgage Loan (Lvl 2) | The loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a)(x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulations xxxx.xx(b), (c), and (d). | ||
| 28810295 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Good Faith Estimate missing or unexecuted (Lvl 2) | Final GFE is missing from the loan documents. | ||
| 28810295 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | The tape shows the subject is a non-QM/ATR non-compliant loan and is seasoned more than x years. Further details not provided. | ||
| 28810295 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Maine | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 33411757 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been an SE for x.xx years at xx, FICO xxx, and xXxx in the last xx months. | ||
| 33411757 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | The tape shows the subject is a non-QM/ATR non-compliant loan. Further details not provided. | ||
| 33411757 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 51527259 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | Tape shows the subject loan is non-QM/ATR non-compliant. Further details not provided. | ||
| 51527259 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject was approved at xx%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. | ||
| 57709570 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows the subject is NOO due to misrepresentation causing the lender to omit primary housing expenses. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x months on the job as an xx BWRx has x months on the job as an xx, FICO xxx, xXxx in the last xx months, and $xx equity in the subject. | ||
| 57709570 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 57709570 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 57709570 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. The loan estimate dated xx/xx/xxxx does not reflect Points - Loan Discount fee. The CD dated xx/xx/xxxx reflects Points - Loan Discount fee at $x,xxx.xx. This is an increase in fees of +$x,xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase originated on xx/xx/xxxx, and the x-year SOL has expired. |
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| 57709570 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Data Edit | Active | 4: Unacceptable | * Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review. | ||
| 43261438 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx. Tape shows the subject is NOO due to occupancy misrepresentation, causing the lender to omit primary housing expenses. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x months on the job as a xx. BWRx has x.xx years on the job as a xx, FICO xxx, and xXxx in the last xx months. | ||
| 43261438 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | The loan fails the Qualified Mortgage Lending Policy points and fees test because the fees charged, $x,xxx.xx, exceed the fees threshold of $x,xxx.xx by $xxx.xx. The below fees were included in the test: Administration Fee paid by Borrower: $xx.xx Points—Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx | ||
| 43261438 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan closed without appraisal. PIW disclosure signed by the borrower is missing from the loan documents. A Zillow search shows an estimated value of $xx. Current UPB: $xx. | ||
| 43261438 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of $x,xxx.xx. Exceeds fees threshold of $x,xxx.xx by $xxx.xx. The below fees were included in the test: Administration Fee paid by Borrower: $xx.xx Points—Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx | ||
| 43261438 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | The tape shows the subject is a non-QM/ATR non-compliant loan. Further details not provided. | ||
| 43261438 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | * Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows subject is NOO due to occupancy misrepresentation. Further details not provided. Elevated for client review. | ||
| 43261438 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 90054483 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | The mortgage insurance certificate is missing from the loan documents. | ||
| 90054483 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is, and the comment addendum shows that the concrete drive needs repair and the front stoop has started to settle. The estimated cost of repairs is $xx. xxxxD, or an inspection report verifying the structural integrity of the subject is missing from the loan document. The final CD does not reflect the escrow holdback. | ||
| 90054483 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape shows that the loan is uninsured, as the property was flipped and does not meet the seasoning period requirement. The date of the prior sale or transfer was xx/xx/xxxx for a sales price of $xx. The subject loan closed with a sales price of $xx. The kitchen and bathroom were remodeled less than a year ago. Further details not provided. | ||
| 57168596 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 57168596 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | The tape shows the subject is a non-QM/ATR non-compliant loan and is seasoned more than x years. Further details not provided. | ||
| 57168596 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR working hours on the paystub did not match with hours on VOE. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has x.xx years on the job as a xx, and FICO xxx. | ||
| 85328634 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 85328634 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 85328634 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows ATR risk. Further details not provided. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWRx receives social security income. BWR has been an SE for x years at xx, FICO xxx, xXxx in the last xx months, and $xxxK equity in the subject. | ||
| 85328634 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | AUS | Active | 2: Acceptable with Warnings | * Missing DU/GUS/AUS as required by guidelines (Lvl 2) | AUS report is missing from the loan documents. | ||
| 85328634 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx does not reflect Appraisal Re-Inspection Fee. Final CD dated xx/xx/xxxx, reflects Appraisal Re-Inspection Fee at $xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. | ||
| 85328634 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Intent to Proceed Missing (Lvl 2) | Intent to proceed is missing from the loan documents. | ||
| 85328634 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | Tape shows CD not provided to spouse x days prior to closing. Further details not provided. Infinity compliance report does not fail the TRID delivery and timing test. | ||
| 19172309 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Pre-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | Loan failed state regulations for the brokerage/finder fee test due to fees charged of $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$x,xxx.xx. The following fees were included in the test: Loan Origination Fee paid by Borrower: $x,xxx.xx Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx Tax Related Service Fee paid by Borrower: $xx.xx. |
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| 35450316 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase case originated on xx/xx/xxxx and the x-year SOL has expired. | ||
| 35450316 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Compliance Testing (Lvl 2) | The tape shows the subject is a non-QM/ATR non-compliant loan. Further details not provided. | ||
| 35450316 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows undisclosed debt. Further details not provided. BWR defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.xx years on the job as a xx at xx and BWRx has x.x years on the job as a xx, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. | ||
| 35450316 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. The initial loan estimate dated xx/xx/xxxx does not reflect points - loan discount fee. The final CD dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. This is an increase in fees of $x,xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL has expired. | ||
| 35450316 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. The calculated finance charge is $xxx,xxx.xx for an undisclosed amount of -$xxx.xx. The reason for the finance charge under disclosure is unknown as the fee itemization is missing. The subject loan is a purchase case originated on xx/xx/xxxx and the x-year SOL has expired. | ||
| 57116423 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Pre-QM | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. | ||
| 57116423 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Pre-QM | QC Complete | New Mexico | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan documents. | ||
| 57116423 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | New Mexico | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. | ||
| 57116423 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Pre-QM | QC Complete | New Mexico | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | FHA mortgage insurance certificate is missing from the loan documents. | ||
| 57116423 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | New Mexico | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit report is missing from the loan documents. | ||
| 57116423 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | Pre-QM | QC Complete | New Mexico | xx | Credit | Credit | Active | 2: Acceptable with Warnings | * Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. | ||
| 57116423 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | New Mexico | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan documents. Zillow search shows an estimated value at $xx. Current UPB is $xx. | ||
| 57116423 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 57116423 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | New Mexico | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows missing HUD-x. Review of the loan file shows HUD-x is missing from the loan documents. | ||
| 57116423 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Pre-QM | QC Complete | New Mexico | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x, along with estimated HUD-x and fee itemization, is missing from the loan documents. | ||
| 62105179 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA APR test due to calculated APR of x.xxx% exceeds Disclosed APR of x.xxx% under disclosed by x.xxx%. Final TIL is missing from the loan documents. | ||
| 62105179 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the prepayment term test due to the loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. |
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| 62105179 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * GSE Points and Fees Test Violations (Lvl 2) | This loan is not failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. | ||
| 62105179 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan documents. | ||
| 62105179 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan documents. | ||
| 62105179 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit report is missing from the loan documents. | ||
| 62105179 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal is missing from the loan documents. A Zillow search shows an estimated value of $xx. Current UPB $xx. | ||
| 62105179 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. | ||
| 62105179 | xx | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Prepayment Rider Missing (Lvl 2) | The prepayment rider is missing from the loan documents. | ||
| 62105179 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 62105179 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | The final truth in lending is missing from the loan documents. | ||
| 62105179 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The seller’s tape data shows an AOM break. Further details not provided. | ||
| 62105179 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Pre-QM | QC Complete | Illinois | xx | Credit | Credit | Active | 3: Curable | * Lost Note Affidavit (Lvl 3) | The lost note affidavit available in the file located at xx shows that the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at xx. | ||
| 50855013 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 50855013 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 50855013 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx.xx%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has xx.xx years on the job as a xx. BWRx has x.xx years on the job as a xx. BWRx has xx.xx years on the job as a xx, FICO xxx, xXxx in the last xx months, and $xxK equity in the subject. | ||
| 50855013 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | The tape shows the subject is a non-QM/ATR non-compliant loan. Further details not provided. | ||
| 50855013 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/xxxx, reflects Points - Loan Discount Fee at $xx,xxx.xx. This is an increased fee in the amount of +$xx,xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL is expired. | ||
| 50855013 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The tape shows appraisal report subject to and completion cert does not address all subject to issues. Appraisal report shows subject to the gas being turned on and approval of the legality of the ADU with legal permits for residential use. The main house was measured to be approx. x,xxx sq.ft. with x bedrooms and x bathrooms. Public records indicate that the home was built in xxxx with sq.ft.xxx (x bedroom and x bathroom). The intended user approving the legality of the guest house and the extra sq.ft., bedrooms and bath for the main house. Available xxxxD shows the gas was turned for the both units of subject property and does not provide any information about approval of the legality of the ADU with legal permits for residential use. Further details not provided. xx search shows an estimated value of $xx. Current UPB $xx. | ||
| 7390293 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 7390293 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows rental income from ADU used for qualification is not acceptable as per Freddie Mac guidelines. Further details not provided. Lender defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWR has xx.xx years on the job as a xx. Additionally, the BWR has x.xx years on the job as a xx, FICO xxx, xXxx since inception, and $xxxK equity in the subject. Review shows ATR confirmed. | ||
| 7390293 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | The tape shows the subject is a non-QM/ATR non-compliant loan. Further details not provided. | ||
| 66828233 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect lock extension. Final CD dated xx/xx/xxxx reflects lock extension at $xxx.xx. Loan estimate dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. This is a cumulative increase in fees of $xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/xxxx, and the x-year SOL has expired. | ||
| 66828233 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations.. This loan failed the Pennsylvania license validation test. |
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| 66828233 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 66828233 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | The tape shows the subject is a non-QM/ATR non-compliant loan and is seasoned more than x years. Further details not provided. | ||
| 66828233 | xx | xx | xx | 601e35f8-825b-41b5-afa6-d4c3566a1df2 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation | Property | Active | 3: Curable | * Property is Mixed Use (Lvl 3) | The tape and appraisal report show the subject is a mixed-use property as the subject is a working farm and the subject property has a recorded agreement in place for a xrd party to harvest existing Christmas trees planted on the subject property. Further details not provided. Elevated for client review. | ||
| 66828233 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report is as is, and the photo addendum shows broken lights, a screen door, and missing trim or paint. The cost to cure is not available. The xxxxD report is missing from the loan documents. The final CD does not reflect escrow holdback. | ||
| 70290718 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. | ||
| 70290718 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal is missing from the loan documents. A Zillow search shows an estimated value of $xx. Current UPB: $xx. | ||
| 70290718 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-x, along with itemization of fee and estimated HUD-x, is missing from the loan documents. | ||
| 70290718 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | The tape and review of the loan file show the final HUD-x is missing from the loan documents. | ||
| 70290718 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Credit | Credit | Active | 3: Curable | * Lost Note Affidavit (Lvl 3) | The lost note affidavit available in the file located at “xx“ shows that the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at “xx.” | ||
| 70290718 | xx | xx | xx | 145d6e17-2165-4f5a-8058-8c02e362107f | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 4: Unacceptable | * The property is located in a state that has unlimited assignee liability for High cost loans and HUD-1/FCD is missing to test the compliance (Lvl 4) | The property is located in a state that has unlimited assignees for high-cost loans, and HUD-x is missing to test the compliance. Per statute, the x year SOL has expired. |
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| 51766258 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * TIL not hand dated (Lvl 2) | The final TIL is not hand-dated by the borrower. | ||
| 51766258 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from loan documents. | ||
| 51766258 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the grace period test due to the loan has a grace period of x days that does not conform to the requirements for the lender's license type in the state where the property is located. | ||
| 51766258 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows non-critical issue for AOM. Further details were not provided. | ||
| 68832141 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary to correctly perform reimbursement calculations. | ||
| 68832141 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | The tape shows the subject is a non-QM/ATR non-compliant loan. Further details not provided. | ||
| 68832141 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The subject loan does not meet the x-year seasoning period requirement for BWR's prior bankruptcy history. Further details not provided. | ||
| 68832141 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. The loan estimate dated xx/xx/xxxx does not reflect the rate lock extension. The CD dated xx/xx/xxxx reflects a rate lock extension of $xxx.xx. This is an increase in fees of $xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase originated on xx/xx/xxxx, and the x-year SOL has expired. | ||
| 98527136 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. Zillow search shows an estimated value of $xxxK. Current UPB $x. | ||
| 98527136 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 98527136 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. | ||
| 98527136 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit report is missing from the loan documents. | ||
| 98527136 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Credit | Credit | Active | 3: Curable | * Lost Note Affidavit (Lvl 3) | The lost note affidavit available in the file located at “xx shows that the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at “xx.” The tape data shows the lost note affidavit is available with a copy of the note. | ||
| 98527136 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | Pre-QM | QC Complete | Massachusetts | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape data shows notary is missing on SECI. The subject mortgage was originated on xx/xx/xxxx and recorded on xx/xx/xxxx. The notary is missing on SECI. | ||
| 59308503 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Valuation | Property | Active | 2: Acceptable with Warnings | * Property is Manufactured Housing (Lvl 2) | The home is affixed. As per the appraisal report, which is located at "xx,” the subject property type is a manufactured home. The subject mortgage recorded on xx/xx/xxxx shows MH VIN information as #xx Titan and the home is affixed to the land. The Alta x endorsement is attached to the final title policy. | ||
| 59308503 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 59308503 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate. | ||
| 59308503 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Credit | Credit | Active | 3: Curable | * Lost Note Affidavit (Lvl 3) | Tape shows lost not affidavit with note documents. The LNA is not available in the loan file and a copy of the note documents is available at xx. Further details are not provided. | ||
| 59308503 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * TIL not hand dated (Lvl 2) | Final TIL is not hand-dated by the borrower. | ||
| 59308503 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Pre-QM | QC Complete | North Carolina | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand-dated by the borrower. | ||
| 78589583 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | The final truth in lending is missing from the loan documents. | ||
| 78589583 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Credit | Credit | Active | 2: Acceptable with Warnings | * Missing Initial 1003_Application (Lvl 2) | Initial xxxx signed by the loan originator is missing from the loan documents. | ||
| 78589583 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | Loan failed TILA APR test due to calculated APR of x.xxx% exceeds disclosed APR of x.xxx% under disclosed by x.xxx%. Final TIL is missing from the loan documents. | ||
| 78589583 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 78589583 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan file. Zillow search shows an estimated value of $xxK. The current UPB is $xxK. | ||
| 78589583 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Pre-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD reflects some of the points and fees are handwritten. | ||
| 72846554 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows undisclosed auto loan debt. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been SE for xx.x years at xx, FICO xxx, xXxx since inception, $xx equity in the subject and $x,xxx residual income. | ||
| 72846554 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Doc Issue | Active | 3: Curable | * Missing proof of hazard insurance (Lvl 3) | Evidence of hazard insurance is missing from the loan documents. | ||
| 72846554 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan documents. | ||
| 72846554 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete due to initial CD is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. | ||
| 72846554 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | * Missing Initial Closing Disclosure (Lvl 3) | Initial CD is missing from the loan documents. | ||
| 26585682 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 26585682 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR was not employed at closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.xx years on the job as xx, FICO xxx, xXxx since inception, and $xx equity in the subject. | ||
| 85806167 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows qualifying rental income is not supported, as the lease agreement was fabricated. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has xx.xx years on the job as an xx, BWRx has xx.xx years on the job as an xx, FICO xxx, xXxx since inception, $xxxK equity in the subject and $x,xxx residual income. | ||
| 23916715 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | The initial closing disclosure receipt date is provided, and the initial closing disclosure receipt date is less than three business days before the consummation date of xx/xx/xxxx. | ||
| 23916715 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | Tape shows the closing documents were signed without a sufficient waiting period after the post-closing disclosure delivery date. Further details not provided. | ||
| 23916715 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 46758967 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Credit | Data Edit | Active | 4: Unacceptable | * Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows the subject is NOO, as BWR listed the subject property for rent shortly after closing. Further details not provided. Elevated for client review. | ||
| 46758967 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows the subject is NOO as BWR listed the subject property for rent shortly after closing, causing the lender to omit BWR's primary housing expense. Revised DTI is xx%. BWR defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been SE for x.xx years at xx, FICO xxx, xXxx in the last xx months, $xxxx residual income and $xxxK equity in the subject. | ||
| 46758967 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 53587794 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 53587794 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 53587794 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects Appraisal Fee at $xxx.xx, Credit Report Fee at $xxx.xx, Transfer Taxes at $x,xxx.xx. CD dated xx/xx/xxxx reflects Appraisal Fee at $xxx.xx, Credit Report Fee at $xxx.xx, Transfer Taxes at $x,xxx.xx. This is an increase in fee of $xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Loan failed charges than in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx does not reflect the sum of Section C fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects the sum of Section C at $x,xxx.xx. This is a cumulative increase of $x,xxx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the x year SOL is active. | ||
| 53587794 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Nevada | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows rental income miscalculation. Revised DTI is xx%. Lender defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has xx.xx years on the job as a xx, FICO xxx, xXxx since inception, $xxxx residual income and $xx equity in the subject. | ||
| 91529896 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/xxxx. The initial LE dated xx/xx/xxxx reflects a lender credit of $xx.xx; the final CD dated xx/xx/xxxx reflects a lender credit of $x.xx. This is a decrease of +$xx.xx for the fee, which has a x% tolerance test. The subject loan is a purchase originated on xx/xx/xxxx, and the SOL is x year. | ||
| 91529896 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the loan has become seasoned, and the BWR did not respond to completing a new homeowners insurance application, which was necessary to secure a lower insurance premium. Further details not provided. | ||
| 91529896 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 91529896 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Review shows the lender miscalculated income. Revised DTI is xx% Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, xXxx since inception, $xxK equity in the subject, and $x,xxx residual income. | ||
| 66667755 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by borrower is missing from loan documents. | ||
| 66667755 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape and review show BWR has only been on the job for x.xx years and the commission income was not stable. Further details not provided. Lender defect. The subject originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, xXxx since inception and $xxxK equity in subject. | ||
| 81397443 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 81397443 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx. The Lender did not include an IRS monthly obligation; revised DTI xx. Further details not provided. Lender defect. The subject loan originated on xx/xx/xx, and the x-year SOL is active. The BWR is SE with xx and xx on for xx.x years and Cigaro Insurance for xx years, FICO xxx, $x,xxx residual income, xXxx since inception and $xx.xK equity in the subject. | ||
| 81397443 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL is active. | ||
| 81397443 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows provided seller credit is over the allowable limit per guidelines. The final CD reflects a seller credit of $xx. Further details not provided. | ||
| 65930364 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 65930364 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | xx project that is non-warrantable, as the construction of xx duplex houses (x buildings) in the project is not completed yet. | ||
| 44679991 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from loan documents. | ||
| 44679991 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan is uninsured by the FHA, as the seasoning requirement was not met. Further details not provided. | ||
| 44679991 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from loan documents. | ||
| 83780078 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$xxx.xx. The below fees were included in the test: Lender Fee paid by Borrower: $x,xxx.xx Mortgage Broker Fee (Indirect) $xx,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx | ||
| 83780078 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TILA Test Failed (Lvl 3) | Finance charge disclosed on Final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. Reason for Finance charge under disclosure is unknown as the Fee Itemization is missing. The subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. The loan failed TRID Total of Payments Test due to total of payments charged disclose on final CD as $x,xxx,xxx.xx calculated total of payments of $x,xxx,xxx.xx over by -$xxx.xx. The subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. | ||
| 83780078 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. | ||
| 83780078 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect Points - Loan Discount fee. CD dated xx/xx/xxxx reflects Points - Loan Discount fee at $x,xxx.xx. This is an increase in fee of $x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. TRID Violation due to decrease in lender credit on Closing Disclosure dated xx/xx/xxxx. Initial LE dated xx/xx/xxxx reflects lender credit at $x,xxx.xx, Final CD dated xx/xx/xxxx reflects Lender Credit at $x.xx. This is a decrease of $x,xxx.xx for fee which has x% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. The subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. | ||
| 83780078 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed state regulations prohibited fees test due to the inclusion of the below fees charged to the borrower; Administration Fee paid by Borrower: $xxx.xx Attorneys Fee Borrowers Attorney paid by Borrower: $x,xxx.xx Lender Fee paid by Borrower: $x,xxx.xx MERS Fee paid by Borrower: $xx.xx Real Estate Commission paid by Seller: $xx,xxx.xx Sellers Attorney Fee paid by Seller: $x,xxx.xx Tax Certificate paid by Borrower: $xx.xx Title Closing Fee paid by Borrower: $xxx.xx Title CPL paid by Borrower: $xx.xx Title Handling Fee paid by Seller: $xx.xx | ||
| 83780078 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $xx,xxx.xx exceed fees threshold of $xx,xxx.xx over by +$xxx.xx. The below fees were included in the test: Lender Fee paid by Borrower: $x,xxx.xx Mortgage Broker Fee (Indirect) $xx,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx | ||
| 83780078 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 83780078 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows income documentation is not sufficient, rental income miscalculated. Further details not provided. Revised DTI xx%. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has been an SE for xx.x years at xx. Additionally, BWRx receives rental income, FICO xxx and $xx equity in the subject. | ||
| 5975524 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape and file show the subject loan closed as a xx-year loan, and AUS/DU in the file was run with the loan term as a xx-year loan. Further details not provided. | ||
| 5975524 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TILA Test Failed (Lvl 3) | This loan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. Subject loan is a purchase case, originated on xx/xx/xxxx, and the SOL is x year. | ||
| 5975524 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 5975524 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from the loan documents. | ||
| 11224718 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by borrower is missing from loan documents. | ||
| 11224718 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test, as this loan has a qualified mortgage DTI of xx%, as the borrower’s income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx, and the loan was underwritten by DU (Locator# xx), and its recommendation is Approve/Eligible with a DTI of xx%. | ||
| 11224718 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows undisclosed debt. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has xx.x years on the job as a xx at xx, FICO xxx, xXxx last xx months. | ||
| 11224718 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | Loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. The below fees were included in the test: Attorney's Fee paid by Borrower: $x,xxx.xx Real Estate Commission paid by Seller: $xx,xxx.xx Title Closing Service Letter paid by Borrower: $xx.xx. |
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| 36026137 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx reflect Points - Loan Discount Fee at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL is expired. |
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| 36026137 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows employment issue. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has x years on the job as an xx. FICO score of xxx, xXxx in the last xx months, and $xxxK equity in the subject. | ||
| 36026137 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 12799389 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | Loan failed the New Jersey mortgage banker or correspondent mortgage banker license prohibited fees test. The below fees were included in the test: Mortgage Payoff paid by Borrower: $xx.xx Title Closing paid by Borrower: $xx.xx |
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| 12799389 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Valuation | Property | Active | 4: Unacceptable | * Property Marketability Issues (Lvl 4) | The tape shows the subject property is ineligible Further details not provided. Appraisal report shows subject to due to final value is contingent upon removal of basement stove to be compliant with Jersey City zoning code. xxxxD shows basement stove has been removed. Redfin search shows an estimated value of xx. The current UPB is $xx. | ||
| 63846579 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 63846579 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $x,xxx.xx. This is a cumulative increase of +$x.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. | ||
| 63846579 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows the subject is NOO, as BWR listed the property for rent after the renovations were completed, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has xx months on the job as a nurse at Steward NSMC, Inc, FICO xxx, and $xx equity in the subject. | ||
| 63846579 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Other Disclosures | Active | 3: Curable | * Missing Required Disclosures (Lvl 3) | List of service providers is missing from the loan documents. | ||
| 63846579 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Data Edit | Active | 4: Unacceptable | * Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows the subject is NOO, as BWR listed the property for rent after the renovations were completed, and post-close verification shows BWR never occupied the property. Elevated for client review. | ||
| 80367151 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | Settlement services provider list is missing from the loan documents. | ||
| 80367151 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 80367151 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, the borrower's income is $x,xxx.xx, and total expenses are in the amount of $x,xxx.xx, and the loan was underwritten by DU (xx), and its recommendation is Approve/Eligible with a DTI of xx%. | ||
| 80367151 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM | QC Complete | Massachusetts | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | The mortgage insurance certificate is missing from the loan documents. | ||
| 80367151 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Good Faith Estimate missing or unexecuted (Lvl 2) | Final GFE is missing from the loan documents. | ||
| 80367151 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM | QC Complete | Massachusetts | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the previous loan serial number was changed from xx to xx. Further details not provided. | ||
| 12595896 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows misrepresentation of BWR's SE income. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx and the x-year SOL is active. BWR has been an SE for x.xx years at xx. Additionally, BWR has x.xx years as a xx, FICO xxx, $xx equity in the subject and $x,xxx residual income. | ||
| 12595896 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflect Points - Loan Discount Fee at $xxxx.xx. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xxxx.xx. This is an increase in fee of $x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. | ||
| 12595896 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 12595896 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 12595896 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Compliance Testing (Lvl 2) | Loan fails Qualified mortgage lending policy points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$xxx.xx. The below fees were included in the test: Mortgage Broker Fee paid by borrower: $xx,xxx.xx Points - Loan Discount Fee paid by borrower: $x,xxx.xx. |
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| 12595896 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx%, as the borrower income is $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by DU (Locator# xx) and its recommendation is “Approve/Eligible” with a DTI of xx%. | ||
| 12595896 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * GSE Points and Fees Test Violations (Lvl 2) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$xxx.xx. The below fees were included in the test: Mortgage Broker Fee paid by borrower: $xx,xxx.xx Points - Loan Discount Fee paid by borrower: $x,xxx.xx. |
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| 85062409 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject was approved at xx%. Tape shows the large deposit of $xx,xxx sourced from the Payroll Protection Program is not acceptable funds for closing. Bank statement in the file shows $xx,xxx in assets, and the cash-to-close requirement is $xx,xxx. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has been an SE for x years at Guum LLC, FICO xxx, and $xxK equity in the subject. | ||
| 85062409 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 14208467 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows the subject is NOO due to misrepresentation as the xxxx tax return reflected the subject property was a rental property, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/xxxx and the x-year SOL has expired. BWR receives social security/disability income, FICO xxx, xXxxx in the last xx months and $xx equity in the subject. | ||
| 14208467 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed PA license validation test. | ||
| 14208467 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Data Edit | Active | 4: Unacceptable | * Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows the subject is NOO due to misrepresentation as the xxxx tax return reflected the subject property was a rental property. Further details not provided. Elevated for client review. | ||
| 23385303 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Credit | Active | 3: Curable | * Lost Note Affidavit (Lvl 3) | The lost note affidavit available in the file located at xx shows that the original note has been misplaced, destroyed, or lost. A duplicate copy of the note is available in the loan file located at xxx. | ||
| 33895441 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR was employed by a family member and earnings on the W-x did not match earnings on the IRS transcripts obtained post-close. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx and the x-year SOL is active. BWR has x years on the job as a manager at xx, FICO xxx, xXxx over the last xx months and $xxxK equity in the subject. | ||
| 33895441 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceed fees threshold of $x,xxx.xx over by +$xxx.xx. The following fees were included in the test: Loan Origination Fee paid by Borrower: $x,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx. |
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| 33895441 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $xx,xxx.xx exceed fees threshold of $x,xxx.xx over by +$xxx.xx. The following fees were included in the test: Loan Origination Fee paid by Borrower: $x,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx. |
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| 33895441 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 44474613 | xx | xx | xx | 120fb16f-0be5-4f0a-9e30-ec97db827ee7 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 4: Unacceptable | * Release of mortgage (Lvl 4) | As per the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx/xx/xxxx in favor of MERS as nominee for xx, in the amount of $xx, which was recorded on xx/xx/xxxx with instrument #xx. The satisfaction for the subject mortgage was recorded on xx/xx/xxxx with instrument #xx, located at xx. UT shows severe defect for subject mortgage satisfaction. As per the tape data, the lien was mistakenly released due to an erroneous payoff reversal dated xx/xx/xxxx. A third-party title company incorrectly wired funds resulting in the misapplication of funds to the borrower's additional account with Mr. Cooper (xx). A Substitution of Trustee and Full Reconveyance was recorded on xx/xx/xxxx, officially releasing the lien. Mr. Cooper is currently in the process of recording a rescission document to formally reverse the lien release. | ||
| 44474613 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 44474613 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Pre-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Good Faith Estimate missing or unexecuted (Lvl 2) | The final GFE is missing from the loan documents. | ||
| 68915992 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | MI Certificate is missing in the loan file. | ||
| 68915992 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Good Faith Estimate missing or unexecuted (Lvl 2) | Good faith estimate is missing in the file. | ||
| 68915992 | xx | xx | xx | e99b279c-a3fe-4039-91dc-3f33c0f684d9 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Good Faith Estimate is Missing (Lvl 2) | Initial good faith estimate is missing in the loan file. | ||
| 68915992 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the HOEPA higher-priced mortgage loan test. This loan failed the Pennsylvania license validation test. |
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| 68915992 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | HOEPA Higher-Priced Mortgage Loan Test: FAIL Loan Data: x.xxx% Comparison Data: x.xxx% Variance: +x.xxx% PA License Validation Test: FAIL |
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| 24179826 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows undisclosed debt with a monthly payment of $xxx was opened prior to closing. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx and BWRx both receive social security income, FICO xxx, xXxx since inception, and $xxx residual income. | ||
| 24179826 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Loan Origination Fee paid by Borrower: $x,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Loan fails QM lending policy points and fees test due to fees charged $xx,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Loan Origination Fee paid by Borrower: $x,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx |
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| 24179826 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value of $xx. The current UPB is $xx. | ||
| 89271158 | xx | xx | xx | ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | * LE/CD Issue date test Fail (Lvl 3) | Loan fails compliance delivery and timing test for CD dated xx/xx/xxxx. The document tracker is missing, and x business days were added to get the receipt date of xx/xx/xxxx, which is after the consummation date of xx/xx/xxxx. Subject loan is a refinance case originated on xx/xx/xxxx and the x-year SOL is active. | ||
| 89271158 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx does not reflect Appraisal Fee. Final CD dated xx/xx/xxxx reflects Appraisal Fee at $xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/xxxx and the x-year SOL is active. Loan failed charges that in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $xxx.xx. CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $x,xxx.xx. This is a cumulative increase of +$xx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. Subject loan is a refinance case, originated on xx/xx/xxxx and the x-year SOL is active. | ||
| 89271158 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape shows the subject condo project does not meet Freddie Mac guideline as the project budget requirements for established condominium projects could not be determined, as the condo questionnaire is missing from the loan documents. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 89271158 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test due to the loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 89271158 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 36999741 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | Loan failed compliance ease delivery and timing test for initial CD dated xx/xx/xxxx. Document tracker is missing and x business days were added to get receipt date xx/xx/xxxx which is less than x business days before the consummation date of xx/xx/xxxx. | ||
| 36999741 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Loan failed qualified mortgage safe harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. Subject loan is escrowed. | ||
| 36999741 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 36999741 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). | ||
| 36999741 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows income miscalculation, undisclosed debt with a monthly payment of $x,xxx, and the monthly HI payment was miscalculated. Further details not provided. Lender defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL has expired. BWRx has been an SE for x years at xx BWRx has been an SE for x.xx years at xx, FICO xxx, and $xxK equity in the subject. | ||
| 32994559 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 32994559 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows BWR fabricated WVOE. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL has expired. BWR has x months on the job as a xx, FICO xxx, and xXxx in the last xx months. | ||
| 32994559 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Subject loan was closed without an appraisal. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value at $xx. Current UPB $xx. | ||
| 56497351 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows BWR lost their job on the day of closing, and the subject is NOO as BWR listed the subject property for rent after closing, causing the lender to omit BWR's primary housing expense. Further details not provided. BWR defect. Subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, and $xx equity in the subject. | ||
| 56497351 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 56497351 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Credit | Data Edit | Active | 4: Unacceptable | * Occupancy concerns - (Lvl 4) | Subject approved as OO. Tape shows the subject is NOO as BWR listed the subject property for rent after closing. Further details not provided. Elevated for client review. | ||
| 77567574 | xx | xx | xx | c3e6361e-df5f-4c53-9b34-b137e5a1b580 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Credit | Active | 2: Acceptable with Warnings | * LTV / CLTV > 100% (Lvl 2) | Collateral value used for underwriting: $xx. Loan amount: $xx. LTV / CLTV = xx%. The current UPB is $xx. | ||
| 77567574 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase State Regulations Test Failed (Lvl 3) | Loan fails prohibited fees test. The below fees were included in the test: Additional home services or repairs paid by borrower: $x,xxx.xx Additional home services or repairs paid by seller: $xxx.xx HOA capital contribution paid by borrower: $x,xxx.xx Real estate commission paid by seller: $xx,xxx.xx Real estate commission paid by borrower: $x,xxx.xx Real estate company flat fee paid by borrower: $xxx.xx Title Closing Protection Letter paid by Borrower: $xx.xx | ||
| 77567574 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | The mortgage insurance certificate is missing from the loan documents. | ||
| 77567574 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 77567574 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows BWR "xx" are on the title, and the loan is not a joint VA loan as required by the investor on VA loans. As per UT, BWRs "xx" acquired the subject property and originated the subject mortgage on xx/xx/xxxx. The note is signed by BWR, xx only. | ||
| 77567574 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails the loan origination fee test as fees charged of $x,xxx.xx exceed the fee threshold of $x,xxx.xx by +$x,xxx.xx. The below fees were included in the test: Additional home services or repairs paid by the borrower: $x,xxx.xx HOA capital contribution paid by borrower: $x,xxx.xx Real estate commission paid by borrower: $x,xxx.xx Real estate company flat fee paid by borrower: $xxx.xx Settlement or Closing Fee paid by Borrower: $xxx.xx Title Closing Protection Letter paid by Borrower: $xx.xx Title Courier Fee paid by Borrower: $xx.xx | ||
| 93266152 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Doc Issue | Active | 3: Curable | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | The escrow account disclosure is missing from the loan documents. | ||
| 93266152 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. | ||
| 93266152 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows payment history is clean and LTV is low. According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx. Further details not provided. | ||
| 93266152 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$x,xxx.xx. Reason for finance charge under disclosure is unknown as the fee itemization is missing. The subject loan is a purchase case originated on xx/xx/xxxx, and the x-year SOL has expired. | ||
| 93266152 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows an error on the VOE. Review of the file shows post-closing VOE dated xx/xx/xx. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, xXxx since inception, and $xxxK equity in the subject. | ||
| 96747267 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 96747267 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect points - loan discount fee. Final CD dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. This is an increase in fee of $x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL is expired. |
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| 96747267 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails qualified mortgage lending policy points and fees test due to fees charged $xx,xxx.xx exceed fees threshold of $x,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Mortgage Broker Fee paid by Borrower: $x,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Underwriting Fee paid by Borrower: $x,xxx.xx. |
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| 96747267 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceed fees threshold of $x,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Mortgage Broker Fee paid by Borrower: $x,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Underwriting Fee paid by Borrower: $x,xxx.xx. |
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| 96747267 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 96747267 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | The tape and file show the subject is a manufactured home that was manufactured in xx, and the affidavit of affixture was recorded in xx. The engineer's certificate verifying the property was permanently affixed and never moved is missing from the loan documents. Further details not provided. | ||
| 96747267 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from the loan documents. | ||
| 96747267 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | * Property is Manufactured Housing (Lvl 3) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached to the recorded mortgage located at “xx” state that the manufactured home with serial # xx and xx has been affixed to the permanent foundation. FTP scheduled B located at xx reflects a notice of Manufacture Housing Unit or Commercial Coach, installed on a permanent foundation system recorded on xx/xx/xxxx with recording no. xx. | ||
| 62476428 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 62476428 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). | ||
| 62476428 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Intent to Proceed Missing (Lvl 2) | The borrower's intent to proceed is missing in loan file. | ||
| 62476428 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows mortgage broker company license was not active when the application was originated and the license was renewed at closing. Further details not provided. | ||
| 62476428 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 62476428 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject was approved at xx%. Tape and file shows supporting documents for verifying BWR prior housing expenses are missing from the loan documents. Further details not provided. Lender defect. The subject originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. | ||
| 62476428 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect points - loan discount fee. CD dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. This is an increase in fee of +$x,xxx.xx for charges that cannot increase. The subject loan is a purchase case originated on xx/xx/xxxx, and the x-year SOL has expired. | ||
| 89409032 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issues | Active | 1: Acceptable | * Settlement date is different from note date (Lvl 1) | The final CD reflects the closing date as xx/xx/xxxx. The notary's signature date on the mortgage/deed of trust is xx/xx/xxxx. Note date is xx/xx/xxxx. | ||
| 89409032 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 3: Curable | * Notice of Servicing Transfer missing or unexecuted (Lvl 3) | Servicing transfer is missing from the loan documents. | ||
| 89409032 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape shows the lender mistakenly excluded a debt. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been an SE for x.x years with xx, FICO xxx, xXxx since inception, $xxxK equity in the subject, and $x,xxx residual income. | ||
| 89409032 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | As per the seller's tape, the borrower is one month delinquent with the loan in the last xx months. The loan was originated on xx/xx/xxxx with the first payment on xx/xx/xxxx. According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB reflected as per the payment history is $xxx,xxx.xx. As per the payment history, the borrower made the payment of Jun-xxxx on xx/xx/xxxx. | ||
| 1781755 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 1781755 | xx | xx | xx | 2ed62971-14b7-4988-b992-e5dd7fbd750e | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher-Priced Mortgage Loan test Fail (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). | ||
| 1781755 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape and file show the subject condo project was not approved by FNMA as repairs totaling $xx were being conducted on the condo. xxxxD or the final inspection report verifying the completion of repairs, is missing from the loan documents. Further details not provided. Zillow search shows an estimated value at $xx. Current UPB $xx. | ||
| 1781755 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 1781755 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx reflects Credit Report Fee at $xx.xx. Final CD dated xx/xx/xxxx reflects Credit Report Fee at $xx.xx. This is an increase in fee of +$x.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case originated on xx/xx/xxxx, and the x-year SOL is active. |
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| 13351671 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows lender included the BWR IRS debt in DTI but did not obtain and review the payment history. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x years on the job as an xx. BWRx has been an SE for x.xx years at xx, FICO xxx, xXxx since inception, and $xx equity in the subject. Review shows ATR confirmed. | ||
| 13351671 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 3: Curable | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3) | Initial escrow account disclosure is missing from the loan documents. | ||
| 44571218 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 44571218 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/xxxx. The initial LE dated xx/xx/xxxx reflects a lender credit of $xxx.xx, and the final CD dated xx/xx/xxxx reflects a lender credit of $x.xx. This is a decrease of +$xxx.xx for a fee that has a x% tolerance test. The subject loan is a purchase, originated on xx/xx/xxxx, and the x-year SOL has expired. | ||
| 44571218 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows subject loan did not close within the case file expiration date. Further details not provided. | ||
| 44571218 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | The mortgage insurance certificate is missing from the loan documents. | ||
| 44571218 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate. | ||
| 50227685 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Subject is approved as a DSCR loan, and the tape shows the investor did not honor the terms of lock. Further details not provided. | ||
| 11421978 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issues | Active | 1: Acceptable | * Settlement date is different from note date (Lvl 1) | The final CD reflects the closing date as xx/xx/xxxx. The notary's signature date on the mortgage/deed of trust is xx/xx/xxxx. Note date is xx/xx/xxxx. | ||
| 11421978 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape and review of the appraisal report show the subject is a x-unit property with x ADUs, and guidelines only allowed for x. Zillow search shows an estimated value of $xxK. Current UPB is $xx. | ||
| 6944131 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape and file show personal guaranty document is missing from the file. BWR is a partnership. Further details not provided. | ||
| 27473363 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Valuation | Property | Active | 2: Acceptable with Warnings | * Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at “xx” state that the manufactured home with serial # xx has been affixed to the permanent foundation. | ||
| 27473363 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). | ||
| 27473363 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Michigan | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows subject property type is manufactured home, and DU report in file shows property type was incorrectly submitted as SFR. Further details not provided. | ||
| 83287964 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 83287964 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The appraisal report was subject to the completion of the home. xxxxD shows construction of the subject is completed except there is no sink in the basement bathroom and there is no door to the bedroom closet. The estimated cost to cure is not available in the loan file. Final xxxxD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. | ||
| 83287964 | xx | xx | xx | 50a8f171-1bbd-41a1-8281-6ef5904bb2ac | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 3: Curable | * Notice of Servicing Transfer missing or unexecuted (Lvl 3) | The loan was originated on xx/xx/xxxx with the loan amount of $xx. PH shows a large transaction (loan transferred) on xx/xx/xxxx in the amount of $xx, and the current UPB is $x.xx. Tape shows the current UPB as $xx. As per servicing comment xx/xx/xxxx, the service has been released on xx/xx/xxxx. | ||
| 83287964 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR is employed by a family member and lender did not obtain xxxx Wx and xxxx tax returns. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, xXxx since inception, and $xx equity in the subject. | ||
| 22166895 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape and file show BWR does not meet HUD residency requirements as BWR is a permanent resident alien with an OIB visa that expires on xx/xx/xxxx. Further details not provided. | ||
| 22166895 | xx | xx | xx | c3e6361e-df5f-4c53-9b34-b137e5a1b580 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 2: Acceptable with Warnings | * LTV / CLTV > 100% (Lvl 2) | Collateral value used for underwriting: $xx. Amount of secondary lien(s): $xx. Loan amount: $xx. LTV = xx% and CLTV = xx%. Current UPB: $xx. | ||
| 22166895 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 22166895 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx% and originated on xx/xx/xx, the x-year SOL is active. Lender used bonus, commission and SE income received with history of less than x years. Revised DTI is over xx%. Lender defect. BWR is employed with xx for x.x years in sales and SE for x.x years with xx, BWR x is SE as a xx for x.x years, FICO xxx. | ||
| 22166895 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | This loan is FHA. The mortgage insurance certificate is missing from the loan documents. | ||
| 87289518 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | The tape shows a TRID violation as the CD was disclosed with an incorrect rate for the second lien loan. File shows the second lien of $xx was approved with an interest rate of x%, and the CD for the second lien reflects an interest rate of x%. Further details not provided. | ||
| 1692113 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from loan documents. | ||
| 1692113 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | * Cash out purchase (Lvl 2) | The subject loan is a purchase case. Final CD dated xx/xx/xxxx reflects cash to in the amount of $x,xxx.xx. | ||
| 1692113 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows BWR was not employed at the time of closing. BWR defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, xXxx since inception, and $xx equity in the subject. | ||
| 21171431 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 4: Unacceptable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | The tape and appraisal report show the subject property needs repairs for flooring, ceiling, landscaping, water damage, and removal of the previous owner's stuff. The appraisal report reflects the estimated cost to cure the repairs in the amount of $xx. xxxxD is missing from the loan documents, and the final CD does not reflect the escrow holdback amount. | ||
| 21171431 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan failed QM safe harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. Subject loan is escrowed. | ||
| 2478382 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows income misrepresentation. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.x years on the job as a xx, FICO xxx, xXxx since inception, and $xxK equity in the subject. | ||
| 2478382 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase State Regulations Test Failed (Lvl 3) | This loan failed the bona fide discount points test due to the loan charges discount points that are not paid for the purpose of reducing and do not in fact result in a bona fide reduction of the interest rate. | ||
| 79126681 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects HOA cert fee at $xxx.xx. Final CD dated xx/xx/xxxx reflects HOA cert fee at $xxx.xx. This is an increase in fee of $x.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL has expired. | ||
| 79126681 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | California | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | The tape shows the subject condo project is non-warrantable as the SBxxx inspection required for projects in CA and the reserves and budget allocated for repairs and maintenance are not sufficient. The condo questionnaire available in the file does not provide any information on the reserves and budget of the condo project. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB $xx. | ||
| 79126681 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 65568249 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. The loan does charge fee(s) not provided for in this act, which is prohibited. A person licensed as a mortgage broker shall have the right to charge only the following fees: (x) application fee; and (x) discount points which may be labeled as an origination fee. |
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| 65568249 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the points and fees test. This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. |
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| 65568249 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Copy of final HUD-x is available in the loan file, however all point and fees value are hand written. | ||
| 3706989 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | The loan fails the compliance delivery and timing test for the CD dated xx/xx/xxxx. The document tracker is missing, and x business days were added to get the receipt date of xx/xx/xxxx, which is after the consummation date of xx/xx/xxxx. | ||
| 3706989 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID violation due to decrease in lender credit on closing disclosure dated xx/xx/xxxx. The initial LE dated xx/xx/xxxx reflects a lender credit of $x,xxx.xx, and the final CD dated xx/xx/xxxx reflects a lender credit of $x.xx. This is a decrease of +$x,xxx.xx for a fee that has a x% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect the MCC fee. The CD dated xx/xx/xxxx reflects MCC fee at $xxx.xx. This is an increase in fees of $xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case originated on xx/xx/xxxx and the x-year SOL has expired. |
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| 3706989 | xx | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | * Assets do not meet guidelines (Lvl 3) | Tape shows a large deposit was not sourced. Bank statement in the file shows assets of $x,xxx and gift assets of $x,xxx supported by a gift letter and the cash-to-close requirement is $x,xxx. Further details not provided. BWR has x months on the job as a xx, FICO xxx and $x,xxx equity in the subject. | ||
| 3706989 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 4862241 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Tape shows income miscalculation by including rental income for a property not showing on tax returns. Revised DTI is xx%. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.xx years on the job as an xx, BWRx has xx.xx years on the job as an xx, FICO xxx, xXxx since inception, residual income $xx and $xx equity in the subject. Downgrade to LVLx based on PH. |
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| 4862241 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | * Missing Required Disclosures (Lvl 3) | The settlement services provider list is missing from loan documents. | ||
| 4862241 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | * Intent to Proceed Missing (Lvl 3) | Intent to proceed is missing from loan documents. | ||
| 4862241 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 4862241 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | * Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling organizations disclosure is missing from the loan documents. | ||
| 93487920 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape and review of the file show the survey was due prior to closing and is missing from the loan documents. Further details not provided. Reaching out to PT to determine if the lot is surveyed or platted. PT confirms that there is not a recorded survey or platted map. Legal description attached to the mortgage shows the subject is described as parcel x with multiple indices of a surveyed parcel. Description and recording information match title policy. Downgraded to LVLx. | ||
| 93487920 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TILA Test Failed (Lvl 3) | This loan failed revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years. | ||
| 93487920 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | The loan fails the GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$xxx.xx. The below fees were included in the test: Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $x,xxx.xx |
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| 93487920 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Revised CD#x dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of $x,xxx.xx for charges that cannot increase. Valid COC is available at pg#xx. Final, COC is not getting tested due to loan failing TRID delivery and timing test. Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years. Loan failed charges in total cannot increase more than xx% in the tolerance test. The LE dated xx/xx/xxxx reflects the sum of Section C fees and recording fees at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects the sum of Section C and the recording fee at $x,xxx.xx. This is a cumulative increase of $x,xxx.xx for charges that in total cannot increase more than xx% test. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years. |
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| 93487920 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years. | ||
| 93487920 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. Lender excluded a business loss and used the incorrect PITI payment. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx and the x year SOL is active. BWR is SE employed with xx for xx years and opened a cleaning business x year prior to closing , FICO xxx, $xxK equity in the subject and $x,xxx residual income. Downgrade to LVLx based on PH. |
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| 93487920 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 93487920 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 2: Acceptable with Warnings | * Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at “xx” state that the manufactured home with serial #xx has been affixed to the permanent foundation. | ||
| 93487920 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$xxx.xx. The below fees were included in the test: Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $x,xxx.xx |
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| 93487920 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Doc Issues | Active | 1: Acceptable | * Settlement date is different from note date (Lvl 1) | Final CD reflects closing date as xx/xx/xxxx. Notary's signature date on the Mortgage/Deed of Trust is xx/xx/xxxx. Note date is xx/xx/xxxxx. | ||
| 49293517 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 49293517 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Review shows lender used a lease agreement to a family member. The revised DTI is xx%. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as an xx, FICO xxx, xXxx since inception, residual income $xx and $xx equity in the subject. | ||
| 21300405 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows lender decision to fund the loan. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx FICO xxx. $xxK equity in subject. Residual income $xx. | ||
| 21300405 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | AUS | Active | 3: Curable | * Missing DU/GUS/AUS as required by guidelines (Lvl 3) | AUS report is missing from the loan documents. | ||
| 21300405 | xx | xx | xx | b059f1da-584f-4b49-a8ec-23568206c180 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Valuation | Doc Issue | Active | 1: Acceptable | * Appraisal dated after closing (Lvl 1) | Appraisal report dated xx/xx/xxxx is after closing date xx/xx/xxxx. | ||
| 21300405 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 99266741 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Arizona | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape and file shows AUS risk recommendation is approve/ineligible. Further details not provided. BWR has been an SE for x.xx years at xx, FICO xxx, xXxx since inception and $xx equity in the subject. | ||
| 53059159 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows rental income miscalculation as the supporting documents to verify PITI of REO are missing. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR receives social security income, FICO xxx, and $xx equity in the subject. Review shows ATR confirmed. | ||
| 91047648 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID violation due to decrease in lender credit on post-closing disclosure dated xx/xx/xxxx. The initial LE dated xx/xx/xxxx reflects a lender credit of $xxx.xx, and the post-CD dated xx/xx/xxxx reflects a lender credit of $x.xx. This is a decrease of $xxx.xx for a fee that has a x% tolerance test. The subject loan is a purchase originated on xx/xx/xxxx, and the SOL is x year. | ||
| 91047648 | xx | xx | xx | ed4e90c8-4030-4bf1-ab32-4c79a83a1ef3 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | * LE/CD Issue date test Fail (Lvl 3) | Revised closing disclosure dated xx/xx/xxxx is missing from the loan documents. | ||
| 91047648 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | The tape shows the FNMA condo approval for the subject condo project was removed on xx/xx and the loan was approved on xx/xx. Further details not provided. Condo questionnaire is missing from the loan documents. Zillow search shows an estimated value of $xx. Current UPB $xx. | ||
| 19902707 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. The subject loan is a purchase originated on xx/xx/xxxx, and the SOL is x year. | ||
| 19902707 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows income misrepresentation. Lender obtained tax transcripts that did not match to the BWR amended tax returns. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been an SE for x.xx years at xx, FICO xxx, xXxx since inception, and $xx equity in the subject. | ||
| 19902707 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. The loan estimate dated xx/xx/xxxx reflects transfer taxes at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects transfer taxes at $x,xxx.xx. This is an increase in fees of +$x,xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase originated on xx/xx/xxxx, and the SOL is x year. | ||
| 19902707 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 29735260 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape shows the lender miscalculated eligibility and the BWR does not have any entitlement for the subject loan. The certificate of eligibility available in the file shows BWR does not have any entitlement left for the subject loan, as the total entitlement charged to the previous VA loans is $xx. Further details not provided. | ||
| 29735260 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 90588749 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. The tape shows unable to qualify without rental income. Lender used rental income to qualify when the BWR’s do not have a history of renting. Further details not provided. Lender defect. Revised DTI xx%. Subject loan originated xx/xx/xx and the x-year SOL is active. The BWR is a xx receiving a salary and fellowship income for x.xx years, BWR x is employed with xx as a xx for x months, BWR x is a student, FICO xxx, $x,xxx residual income and $xxxK equity in the subject. | ||
| 84316810 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 84316810 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | The tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x, with a sales price of $xx, is closest to the subject property. The revised appraisal ordered came with a lower appraised value of $xx. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 58435062 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from the loan documents. | ||
| 58435062 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 58435062 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Minnesota | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The subject loan is NOO and was approved at xx%. Tape shows the subject loan closed with manual UW and approved at DTI exceeding the allowable limit. Further details not provided. Review shows ATR confirmed. | ||
| 63288962 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. Tape and review show lender included BWR SE realtor income in FL. BWR was not licensed in FL. Further details not provided. Lender defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been SE for x years at xx and for x.xx years at xx, FICO xxx and xXxx since inception. | ||
| 63288962 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 31811339 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows student loan debt miscalculation. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years as a xx with the University of Chicago, FICO xxx, xXxx since inception, $xxK equity in the subject, and $x,xxx residual income. | ||
| 31811339 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 46187893 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan is NOO was approved at xx. The tape shows asset misrepresentation as the BWR name on the bank statement was fabricated. Review shows lender miscalculation of BWRx income. Revised DTI is xx%. Further details not provided. BWR defect. The subject loan was originated on xx/xx/xxxx and the x-year SOL is active. BWR has x years on the job as an xx, BWRx has x.xx years on the job as a xx, FICO xxx, xXxx since inception, residual income $xxxx and $xx equity in the subject. | ||
| 43792845 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$xxx.xx. The following fees were included in the test: Loan Origination Fee paid by Borrower: $x,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Tax Service Fee paid by Borrower: $xx.xx. |
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| 43792845 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$xxx.xx. The following fees were included in the test: Loan Origination Fee paid by Borrower: $x,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Tax Service Fee paid by Borrower: $xx.xx. |
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| 43792845 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase State Regulations Test Failed (Lvl 3) | The loan failed the state regulation for the first lien prohibited fees test. The following fees were included in the test: Notice of Settlement paid by Borrower: $xx.xx Tax Service Fee paid by Borrower: $xx.xx Taxes Paid by Borrower: $xxx.xx Title CPL Fee paid by Borrower: $xx.xx. |
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| 43792845 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows undisclosed auto debt opened prior to the closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx and the x-year SOL is active. BWRx has xx.xx years on the job as a xx. BWRx has x.xx years on the job as a xx, FICO xxx, xXxx since inception and $xxK equity in the subject. | ||
| 43792845 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 45239227 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 45239227 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | The subject loan was approved at xx%. The tape shows the subject loan closed with less than xx months of business history. A review of the file shows the subject loan closed as a xx-month business bank statement loan. Secretary of State records in file show business was established xx/xx/xx. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has been an SE for x.xx years at xx, FICO xxx, and $xxxK equity in the subject. | ||
| 79017136 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand-dated by the borrower. | ||
| 79017136 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 79017136 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape shows subject loan does not meet HUD's adjusted value requirement as the BWR owned the property for less than xx months. The appraisal report shows the price of the prior sale or transfer on xx/xx/xxxx was $xx and the subject loan closed on xx/xx/xxxx with an appraised value of $xx. Zillow search shows an estimated value of $xx. Current UPB $xx. BWR has a xxx FICO. x years as a carpenter. xXxx since inception. | ||
| 79017136 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. | ||
| 93576006 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). Loan failed QM safe harbor threshold test due to APR calculated x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. Subject loan is escrowed. |
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| 93576006 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the FHA case number was canceled and the HUD will not allow reinstating the case number. Further details were not provided. | ||
| 93576006 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Valuation | Property | Active | 2: Acceptable with Warnings | * Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at “xx” state that the manufactured home with serial # xx has been affixed to the permanent foundation. | ||
| 93576006 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Alabama | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. | ||
| 59679621 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from the loan documents. | ||
| 59679621 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges than in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $xxx.xx. CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $x,xxx.xx. This is a cumulative increase of $x,xxx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x-year. | ||
| 59679621 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows BWRs qualifying income is greater than xx% of AMI and exceeds loan program limit. Further details not provided. | ||
| 59679621 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x-year. | ||
| 59679621 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | Settlement services provider list is missing from the loan documents. | ||
| 5561876 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed state regulations prohibited fees test due to the inclusion of the below fees charged to the borrower; Broker Fee paid by Borrower: $x,xxx.xx HOA Fees paid by Borrower: $xxx.xx Property Tax Instalment paid by Borrower: $x,xxx.xx Tax and Assessment paid by Borrower: $xx.xx |
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| 5561876 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx% The tape shows the BWR was SE in previous business in India and the lender documented only x-year US tax returns for the BWR. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.x years on the job as a xx and BWRx has x.x years on the job as a xx, FICO xxx, xXxx since inception, and $xxxK equity in the subject. Review shows ATR confirmed. | ||
| 55563140 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | The subject loan closed without an appraisal report. The PIW disclosure signed by the borrower is missing from the loan documents. Zillow search shows an estimated value of $xx. The current UPB is $xx. | ||
| 55563140 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape shows income misrepresentation. Further details not provided. BWR defect. The subject originated on xx/xx/xxxx and the x-year SOL is active. BWR has x.xx years on the job as an xx, FICO xxx. | ||
| 55563140 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$x,xxx.xx. The following fees were included in the test: Mortgage Broker Fee (Indirect) $xx,xxx.xx Points - Loan Discount Fee paid by Borrower: $xx,xxx.xx Loan fails QM lending policy points and fees test due to fees charged of $xx,xxx.xx exceeds fees threshold of $xx,xxx.xx over by +$x,xxx.xx. The following fees were included in the test: Mortgage Broker Fee (Indirect) $xx,xxx.xx Points - Loan Discount Fee paid by Borrower: $xx,xxx.xx |
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| 35172666 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 35172666 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Credit | Active | 3: Curable | * Missing Initial 1003_Application (Lvl 3) | Missing initial application dated xx/xx/xxxx signed by the loan originator. | ||
| 35172666 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. The tape and review shows the rental income from REO is not supported as the BWR listed the REO for sale after closing of the subject loan. The revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx. Additionally, BWR receives retirement income, FICO xxx, xXxx since inception, $xx equity in the subject, and $xxx residual income. Downgrade to LVLx based on PH. |
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| 45744551 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows the lender miscalculated BWR's fluctuating income and did not average it over xx months. Further details not provided. The revised DTI is xx%. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x months on the job as a xx, FICO xxx, xXxx since inception, $xxK equity in the subject, and $xxxx residual income. Review shows ATR confirmed. | ||
| 45744551 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 45744551 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of $x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. Loan failed lender credits that cannot decrease test. Initial LE dated xx/xx/xxxx reflects lender credit at $xx.xx. Final CD dated xx/xx/xxxx reflects lender credit at $xx.xx This is decrease of $xx.xx for fee which has x% tolerance test. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. |
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| 45744551 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 78133777 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 78133777 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. The tape and review shows rental income miscalculated and less than x years working a xnd job. Lender defect. Revised DTI xx%. Subject loan originated xx/xx/xxxx and the x-year SOL is active. The BWR is employed with xx for x.x years, FICO xxx, $xxx residual income, xXxx since inception and $xxK equity in the subject. | ||
| 17473777 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows BWR has a tax liability. Review shows BWR has a $xx IRS tax liability from xxxx. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has been SE for xx years at xx, BWRx has xx years on the job as a xx, FICO xxx, $xxK equity in the subject, and $xx,xxx residual income. Downgrade to LVLx based on PH. |
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| 5626036 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | TRID violation due to decrease in lender credit on CD dated xx/xx/xxxx. Initial LE dated xx/xx/xxxx reflects lender credit at $x,xxx.xx. Final CD dated xx/xx/xxxx does not reflect lender credit. This is decrease of -$x,xxx.xx for fee which has x% tolerance test. Valid COC for the decrease in NSLC is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. | ||
| 5626036 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape and review of the file show the subject loan was closed with a desktop appraisal report instead of a full appraisal. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 5626036 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan was approved at xx%. The Lender included bonus income without a x-year history of receipt. Lender defect. Revised DTI xx%. Subject loan originated xx/xx/xxxx and the x-year SOL is active. The BWR is employed with Veterinary Emergency Group as a veterinarian for x.x years. FICO xxx. $x,xxx residual income. xXxx since inception. $xx.xK equity in the subject. | ||
| 5626036 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 99146666 | xx | xx | xx | 47ab46b4-0fbc-4f6c-9428-bd583140dad9 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Credit score not provided (Lvl 2) | Credit score for BWRx is not provided. | ||
| 99146666 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $x,xxx.xx. This is an increase in fee of +$xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. | ||
| 99146666 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows lender miscalculated variable income and grossed up SSI income. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx and the x-year SOL has expired. BWRx has x.xx years on the job as a xx. BWRx receives social security income, FICO xxx $xxK equity in the subject and $x,xxx residual income. | ||
| 99146666 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 99146666 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape shows "the file is with us due to late payments after a repurchase alternative/indemnification." As per the PH as of xx/xx/xxxx, the BWR is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xx. | ||
| 99146666 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | Loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the borrower's income is $x,xxx.xx and total expenses are in the amount of $x,xxx.xx and the loan was underwritten by LP (Locator #xx) and its recommendation is Accept with a DTI of xx%. | ||
| 99146666 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 80725161 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx% The tape shows income miscalculation, as other income was included twice. The revised DTI is xx% Further details are not provided. Lender defect. The subject loan was originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has x.xx years on the job as a xx. Additionally, BWRx has x.xx years on the job as a xx. BWRx has x.xx years on the job as a xx, FICO xxx, $xxxK equity in the subject, and $xxxx residual income. | ||
| 80725161 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 35796962 | xx | xx | xx | 5b8a08c2-9d6f-4827-aa3d-722f5cc7e80a | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Guidelines | Active | 3: Curable | * Assets do not meet guidelines (Lvl 3) | Tape shows BWR was short reserves at closing. Review of the DU and file shows total verified assets of $xx, which is entirely a gift asset, satisfying the cash to close requirement of $xx. Gift letter is in file and receipt or acknowledgment of gift transfer is missing. Subject loan originated xx/xx/xxxx. | ||
| 35796962 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase State Regulations Test Failed (Lvl 3) | Loan failed state regulations prohibited fees test due to the inclusion of the below fees charged to the borrower; HOA paid by Borrower: $x,xxx.xx Processing Fee paid by Seller: $xx.xx Real estate commission paid by Seller: $xx,xxx.xx Real estate commission paid by Seller: $xx,xxx.xx Seller Attorney fee paid by Seller: $x,xxx.xx Title Copy fee APR paid by Borrower: $xx.xx Title CPL paid by Borrower: $xx.xx Title Review fee paid by Borrower: $xxx.xx Title Tax certificate fee paid by Borrower: $xx.xx Title Transaction Management paid by Borrower: $xx.xx |
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| 35796962 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | The loan failed Revised Loan Estimate Delivery Date Test due to the revised loan estimate delivery date is on the initial closing disclosure delivery date. | ||
| 35796962 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Application Fee paid by Borrower: $x,xxx.xx Commitment Fee paid by Borrower: $xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Application Fee paid by Borrower: $x,xxx.xx Commitment Fee paid by Borrower: $xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx |
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| 57275590 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 57275590 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject was approved at xx%. Tape shows lender used provided leases on x BWR REO’s. BWR listed the x properties for rent. Revised DTI xx%. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, $xx residual income and $xx equity in the subject. | ||
| 1780886 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 1780886 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape and appraisal report show the subject loan is not insurable as the front stoop of the subject property should not be attached to the structure. Review of appraisal shows attached, covered brick porch. Further details not provided. | ||
| 1780886 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Valuation | Property | Active | 2: Acceptable with Warnings | * Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at “xx” state that the manufactured home with serial # xx has been affixed to the permanent foundation. | ||
| 1780886 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from the loan documents. | ||
| 24890001 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape shows the multiple Zelle deposits when considered as additional income under xx loan program guidelines, cause the qualifying income to exceed loan program limits. Further details not provided. | ||
| 24890001 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | * Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. | ||
| 24890001 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Doc Issue | Active | 3: Curable | * Missing credit report (Lvl 3) | Credit report is missing from loan documents. | ||
| 24890001 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | Other Disclosures | Active | 3: Curable | * Missing Required Disclosures (Lvl 3) | List of service providers is missing from the loan documents. | ||
| 24890001 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Credit | AUS | Active | 3: Curable | * Missing DU/GUS/AUS as required by guidelines (Lvl 3) | AUS report is missing from the loan documents. | ||
| 24890001 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by borrower is missing from loan documents. | ||
| 69386987 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | Tape shows the x-day waiting period prior to consummation was not satisfied. Infinity compliance result shows the loan passed TRID timing and delivery test. Further details not provided. | ||
| 69386987 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | Mortgage insurance certificate is missing from the loan documents. | ||
| 4697028 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 4697028 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan documents. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 4697028 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan documents. | ||
| 4697028 | xx | xx | xx | 0270b5a0-6846-4580-a03f-12f44a18d0d3 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 3: Curable | * Note is missing or unexecuted (Lvl 3) | The original note is missing. The lost note affidavit is available in the loan file located at “xx.” The loan was modified on xx/xx/xxxx. The tape data shows the lost note affidavit is available in the loan file, and the note copy is missing. | ||
| 4697028 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit report is missing from the loan documents. | ||
| 4697028 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-x, along with itemization of fees and the estimated HUD-x, is missing from the loan documents. | ||
| 4697028 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | The final TIL is missing from the loan documents. | ||
| 25581053 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | The loan failed the TILA finance charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. The calculated finance charge is $xxx,xxx.xx for an undisclosed amount of -$xxx.xx. | ||
| 25581053 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | Settlement services provider list is missing from the loan documents. | ||
| 25581053 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Good Faith Estimate missing or unexecuted (Lvl 2) | Final good faith estimate is missing from the loan documents. | ||
| 25581053 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 25581053 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | QM | QC Complete | Texas | xx | Credit | Credit | Active | 3: Curable | * Lost Note Affidavit (Lvl 3) | Tape shows LNA available in loan file. The lost note affidavit document is missing from the loan file. Review shows note in file. | ||
| 25581053 | xx | xx | xx | 120fb16f-0be5-4f0a-9e30-ec97db827ee7 | xx | xx | xx | QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | * Release of mortgage (Lvl 3) | UT shows an alert for the subject mortgage release recorded. As per the review of the updated title report dated xx/xx/xxxx, the subject mortgage was originated on xx/xx/xxxx in favor of MERS as nominee forxx. in the amount of $xx, which was recorded on xx/xx/xxxx with instrument # xx. The release for the subject mortgage was recorded on xx/xx/xxxx with instrument # xx located at xx, stating that the subject mortgage was released. As per the document located at xx, the satisfaction for the subject mortgage is void. | ||
| 1012605 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit report is missing from the loan documents. | ||
| 1012605 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 1012605 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Credit | Credit | Active | 2: Acceptable with Warnings | * Missing Initial 1003_Application (Lvl 2) | Initial application signed by the loan originator is missing from the loan documents. | ||
| 1012605 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan documents. | ||
| 1012605 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x, along with estimated HUD-x and fee itemization, is missing from the loan documents. | ||
| 1012605 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | The appraisal report is missing from the loan documents. Zillow search shows an estimated value at $xx. Current UPB is $xx. | ||
| 1012605 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan documents. | ||
| 16690809 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Credit | Active | 2: Acceptable with Warnings | * Missing Initial 1003_Application (Lvl 2) | Initial application signed by loan originator is missing from the loan documents. | ||
| 16690809 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 16690809 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Initial LE dated xx/xx/xxxx reflect Points - Loan Discount Fee. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xx.xx. This is an increased fee in the amount of +$xx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL is expired. TRID violation due to a decrease in lender credit on the initial CD. The initial LE dated xx/xx/xxxx reflects Lender credits at $xxx.xx. The initial CD dated xx/xx/xxxx reflects Lender credits at $x.xx. This is a decrease of $xxx.xx for a fee which has a x% tolerance test. A valid COC for the decrease in NSLC is missing from the loan documents. The subject loan is a purchase case that originated on xx/xx/xxxx, and the x-year SOL is expired. |
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| 16690809 | xx | xx | xx | 120fb16f-0be5-4f0a-9e30-ec97db827ee7 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | * Release of mortgage (Lvl 3) | UT shows an alert for the subject mortgage satisfaction found with subsequent recession. As per the updated title report dated xx/xx/xxxx, there is a release of deed of reconveyance, which was signed on xx/xx/xxxx and recorded on xx/xx/xxxx, which shows that the subject mortgage originated on xx/xx/xxxx and was recorded on xx/xx/xxxx had been paid in full. As per the rescission of full reconveyance recorded on xx/xx/xxxx, which is located at “xx,” the release of deed of reconveyance is canceled. | ||
| 93291882 | xx | xx | xx | 1fe8acd7-461c-4004-ad8a-9ef0f63794cf | xx | xx | xx | Pre-QM | QC Complete | Montana | xx | Credit | Credit | Active | 2: Acceptable with Warnings | * Missing Initial 1003_Application (Lvl 2) | Initial application signed by loan originator is missing from the loan documents. | ||
| 93291882 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | Montana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 93291882 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | Pre-QM | QC Complete | Montana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Montana license validation test. | ||
| 39758476 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Initial Closing Disclosure (Lvl 2) | The initial closing disclosure is missing from the loan documents. | ||
| 39758476 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | The TRID tolerance test is incomplete, as the initial CD is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. | ||
| 42432885 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 2) | The subject loan closed without an appraisal. PIW disclosure signed by the borrower is missing from the loan documents. A Zillow search shows an estimated value of $xx. Current UPB $xx. | ||
| 42432885 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from loan documents. | ||
| 9353482 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit report is missing. | ||
| 9353482 | xx | xx | xx | 145d6e17-2165-4f5a-8058-8c02e362107f | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * The property is located in a state that has unlimited assignee liability for High cost loans and HUD-1/FCD is missing to test the compliance (Lvl 2) | The property is located in a state that has unlimited assignee liability for high cost loans and HUD-x/FCD is missing to test the compliance. | ||
| 9353482 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | The final TIL is missing from the loan documents. | ||
| 9353482 | xx | xx | xx | 0270b5a0-6846-4580-a03f-12f44a18d0d3 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 4: Unacceptable | * Note is missing or unexecuted (Lvl 4) | The original note is missing from the loan file. The lost note affidavit is not available in the loan file. The loan has not been modified. | ||
| 9353482 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 9353482 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal is missing from the loan documents. Zillow search shows an estimated value of $xx. Current UPB: $xx. | ||
| 9353482 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Pre-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-x, along with itemization of fees and the estimated HUD-x, is missing from the loan documents. | ||
| 26302703 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing in the loan file. | ||
| 26302703 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final xxxx is missing in the loan file. | ||
| 26302703 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUDx is missing in the loan file. However, Estimated HUDx and Itemization are not found in the file. | ||
| 26302703 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | An appraisal report is missing in the loan file. | ||
| 54794084 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation | Property | Active | 2: Acceptable with Warnings | * Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at “xx," the subject property type is a manufactured home. The affidavit of affixation attached with the recorded mortgage located at “xx” state that the manufactured home with VIN # xx has been affixed to the permanent foundation. | ||
| 54794084 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx. The following fees were included in the test: Commitment Fee paid by Borrower: $x,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Loan fails QM lending policy points and fees test due to fees charged $x,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx. The following fees were included in the test: Commitment Fee paid by Borrower: $x,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx |
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| 29857387 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 2) | TRID tolerance test is incomplete due to initial CD is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. | ||
| 29857387 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 29857387 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Other Disclosures | Active | 3: Curable | * Missing Required Disclosures (Lvl 3) | Settlement service providers list is missing from the loan documents. | ||
| 29857387 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from loan documents. | ||
| 29857387 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx.xx%. Tape shows rental income miscalculation. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx and the x-year SOL is active. BWR has been SE for x years at xx, FICO xxx, xXxx since inception, $xxxK equity in the subject and $x,xxx residual income. Review shows ATR confirmed. | ||
| 29857387 | xx | xx | xx | 4f356ed1-88e0-4653-8bf0-ff9d7c6bb59e | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Doc Issue | Active | 3: Curable | * Missing proof of hazard insurance (Lvl 3) | Evidence of hazard insurance is missing from the loan documents. | ||
| 29857387 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Credit | Underwriting | Active | 3: Curable | * Transmittal (1008) is Missing (Lvl 3) | The final transmittal summary is missing from the loan documents. | ||
| 29857387 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Missing Initial Closing Disclosure (Lvl 3) | Initial CD is missing from the loan documents. | ||
| 29857387 | xx | xx | xx | 2c40b9e1-9128-4efd-ba37-b8a85c3fd92a | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Intent to Proceed Missing (Lvl 3) | The borrower's intent to proceed is missing from loan documents. | ||
| 29857387 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx exceed fees threshold of $x,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Mortgage Broker Fee (Indirect) $x,xxx.xx Points - Loan Discount Fee paid by borrower: $x,xxx.xx Underwriting Fee paid by borrower: $x,xxx.xx. Loan fails Qualified Mortgage Lending Policy points and fees test due to fees charged $xx,xxx.xx exceed fees threshold of $x,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Mortgage Broker Fee (Indirect) $x,xxx.xx Points - Loan Discount Fee paid by borrower: $x,xxx.xx Underwriting Fee paid by borrower: $x,xxx.xx. |
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| 85187951 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 85187951 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | The subject loan was approved at xx%. Tape shows SE income miscalculation as the lender qualified BWR using only x-year tax returns instead of the x-year tax returns. Revised DTI is xx%. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx and the x-year SOL has expired. BWRx has been SE in transport business for x.xx years. BWRx has x.x years on the job as a xx, FICO xxx, $xxK equity in the subject and $x,xxx residual income. | ||
| 85187951 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. The loan estimate dated xx/xx/xxxx does not reflect Appraisal Re-Inspection Fee. CD dated xx/xx/xxxx reflects Appraisal Re-Inspection Fee at $xxx.xx. This is an increase in fee of $xxx.xx for charges that cannot increase. A valid COC for the increase in fee is missing from the loan documents. The subject loan is a purchase case, originated on xx/xx/xxxx, and the x-year SOL has expired. | ||
| 85187951 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape shows the borrower stopped making payments after xx/xx/xxxx. As per tape, the prior servicer applied the payments to the suspense, which were made by the borrower. The loan transferred back to the current servicer on xx/xx/xxxx. The payments that were put in suspense were applied to the loan for the due dates of xx/xx/xxxx to xx/xx/xxxx on xx/xx/xxxx. According to payment history as of xx/xx/xxxx, the borrower is current with the loan, and the next due date is xx/xx/xxxx. The current UPB is $xx. | ||
| 52277699 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing or error on the Rate Lock Document (Lvl 2) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 52277699 | xx | xx | xx | ce731d63-69ad-4174-959f-2a6ae3ba4843 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test is Incomplete (Lvl 3) | TRID tolerance test is incomplete due to initial LE and initial CD are missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL is active. | ||
| 52277699 | xx | xx | xx | b4b2efca-3cd5-4046-946f-807cd5d39850 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Missing Initial Closing Disclosure (Lvl 3) | Initial CD is missing from the loan documents. | ||
| 52277699 | xx | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * Missing Initial LE (Lvl 3) | Initial LE is missing from the loan documents. | ||
| 26838097 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape shows the loan is seasoned more than x months and issue with boarding the loan could not be fixed with Freddie Mac. Further details not provided. | ||
| 26838097 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged of $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$x,xxx.xx. The following fees were included in the test: Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $x,xxx.xx. Loan fails QM lending policy points and fees test due to fees charged of $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$x,xxx.xx. The following fees were included in the test: Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $x,xxx.xx. |
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| 26838097 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at x.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). | ||
| 26838097 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Elevated" (Lvl 3) | This loan failed the initial closing disclosure delivery date test due to the initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business before the consummation date. | ||
| 26838097 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 7541565 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | * Cash out purchase (Lvl 2) | The subject loan is purchase case. Final CD dated xx/xx/xxxx reflects cash to in the amount of $x,xxx.xx. | ||
| 7541565 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject approved as OO at xx%. Tape shows subject is NOO due to misrepresentation causing lender to omit BWR primary housing expense. BWR purchased x primaries, including the subject. BWR defect. The subject loan originated on xx/xx/xxxx and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx and $xxK equity in the subject. | ||
| 7541565 | xx | xx | xx | cce19927-d2e5-4133-b1c8-0a2546264ce8 | xx | xx | xx | QM-TRID | QC Complete | Wisconsin | xx | Credit | Data Edit | Active | 4: Unacceptable | * Occupancy concerns - (Lvl 4) | The subject was approved as OO. Tape shows property is NOO due to misrepresentation. BWR purchased x primaries, including the subject. Further details were not provided. Elevated for client review. | ||
| 56723176 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issues | Active | 1: Acceptable | * Settlement date is different from note date (Lvl 1) | The final CD reflects the closing date as xx/xx/xxxx. The notary's signature date on the mortgage/deed of trust is xx/xx/xxxx. Note the date is xx/xx/xxxx. | ||
| 56723176 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ATR - Unable to determine borrower's Ability To Repay (Lvl 2) | Subject loan is NOO and was approved at xx%. Tape shows undisclosed debt with a monthly payment of $xxx was opened prior to closing. Further details not provided. BWR defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWRx has xx years on the job as a xx, BWRx has been SE for xx.xx years at xx, FICO xxx and $xx equity in the subject. | ||
| 56723176 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | * Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD, dated xx/xx/xxxx, reflects cash to the amount of $x.xx. | ||
| 54734472 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TRID Tolerance Test Failed (Lvl 2) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects points - loan discount fee at $xxx.xx. Final CD dated xx/xx/xxxx reflects points - loan discount fee at $x,xxx.xx. Loan estimate dated xx/xx/xxxx reflects loan origination fee at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects loan origination fee at $x,xxx.xx. This is a cumulative increase in fee of $x,xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is purchase case, originated on xx/xx/xxxx and the x-year SOL is expired. |
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| 54734472 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the revised closing disclosure delivery waiting period test due to changes before consummation requiring a new waiting period. APR becomes inaccurate. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL has expired. | ||
| 54734472 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 54734472 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 54734472 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Valuation | Doc Issue | Active | 4: Unacceptable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 4) | Tape shows the renovation was not completed within the timeframe. Appraisal report is subject to the completion of renovation. The estimated amount of repairs is $xx. The final CD reflects an escrow holdback of $xx,xxx. Tape shows only $xx,xxx funds remaining in the holdback to be released for the completion of pending items. The xxxxD report is missing from the loan documents. Zillow search shows an estimated value of $xx. Current UPB $xx. | ||
| 54734472 | xx | xx | xx | 9c514b19-a734-4e96-80eb-ba02f6424ce3 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Underwriting | Active | 3: Curable | * Transmittal (1008) is Missing (Lvl 3) | Final transmittal summary is missing from the loan documents. | ||
| 54734472 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Loan Origination Fee paid by Borrower: $x,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $x,xxx.xx. |
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| 54734472 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Loan fails qualified mortgage lending policy points and fees test due to fees charged $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$x,xxx.xx. The following fees were included in the test: Loan Origination Fee paid by Borrower: $x,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $x,xxx.xx. |
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| 54734472 | xx | xx | xx | 249ccfc8-8061-4638-a74f-933a4ad40fc5 | xx | xx | xx | QM-TRID | QC Complete | Louisiana | xx | Credit | Legal Docs | Active | 4: Unacceptable | * Loan has escrow holdback. No proof it was released (Lvl 4) | The final CD dated xx/xx/xxxx, reflects an escrow holdback in the amount of $xx,xxx.xx. Proof of the release of escrow holdback is available for $xx. Proof for the release of escrow holdback is missing for the remaining amount of $xx from the loan documents. Tape shows $xx remains in escrow for the following remaining open items gutter/exterior $xx, windows/door $xx, plumbing/electrical $xx, cabinetry $xx. | ||
| 83210901 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows REO mortgage payment and HI payment of subject mortgage is miscalculated. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x months on the job as a xx and receives a pension, FICO xxx, xXxx since inception, and $xxK equity in the subject. | ||
| 83210901 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 44649245 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | Tape shows the subject property is a co-op and is ineligible for sale to Freddie Mac as the flip tax charged of x.xx% exceeds the threshold of x%. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 44649245 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 44649245 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | New York | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. The Lender miscalculated the BWR’s variable income. Lender defect. Revised DTI xx%. Subject loan originated xx/xx/xxxx and the x-year SOL is active. The BWR is employed with xx for xx months. FICO xxx. $x,xxx residual income. $xx.xK equity in the subject. | ||
| 86608840 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xx. Current UPB is $xx. | ||
| 86608840 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 86608840 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 86608840 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Ohio | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx reflects Appraisal fee at $xxx.xx. CD dated xx/xx/xxxx reflects Appraisal fee at $xxx.xx. This is an increase in fee of $xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. Loan failed charges than in total cannot increase more than xx% tolerance test. LE dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $xxx.xx. CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $xxx.xx. This is a cumulative increase of $xxx.xx for charges that in total cannot increase more than xx% test. COC for increase in fee is missing from the loan documents. Subject loan is a purchase, originated on xx/xx/xxxx and the SOL is x year. |
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| 35356732 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure signed by borrower is missing from the loan documents. | ||
| 35356732 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher Price Mortgage Loan (Lvl 2) | Loan failed the higher-priced mortgage loan test (xx CFR § xxxx.xx(a) (x)) due to an APR calculated at xx.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. The subject loan is escrowed. This loan is compliant with regulation xxxx.xx(b), (c) and (d). Loan failed qualified mortgage safe harbor threshold test due to APR calculated xx.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. Loan failed qualified mortgage APR threshold test due to APR calculated xx.xxx% exceeds APR threshold of x.xxx% over by +x.xxx%. |
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| 35356732 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan failed GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $xx,xxx.xx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Mortgage Broker Fee (Indirect) $x,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Underwriting Fee paid by Borrower: $xxx.xx This loan failed the QM APR test due to APR exceeds xx.xxx% the APR threshold x.xxx%, over by +x.xxx%. Loan fails Qualified mortgage lending policy points and fees test due to Fees charged $xx,xxx.xx exceeds fees threshold of $x,xxx.xx over by +$x,xxx.xx. The below fees were included in the test: Mortgage Broker Fee (Indirect) $x,xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Underwriting Fee paid by Borrower: $xxx.xx |
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| 35356732 | xx | xx | xx | d599fb87-9791-476a-9a61-b4567a524853 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Home Equity Loan Notice of Address for Borrower Notification of Violation is missing from the loan file (Lvl 3) | Home equity loan notice of address for borrower notification of violation is missing from the loan documents. | ||
| 35356732 | xx | xx | xx | 3a879f0e-cb78-4bf7-bfe9-59732905f6c1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Compliance Testing (Lvl 3) | Tape and review of the file show the APR on the revised CD on xx/xx/xxxx increased by x.xxx% and did not satisfy the x business days waiting period prior to consummation on xx/xx/xxxx. Further details not provided. | ||
| 35356732 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TILA Test Failed (Lvl 3) | Loan failed TILA finance charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. Subject loan is a refinance case, originated on xx/xx/xxxx and the x-year SOL is active. Loan failed TILA foreclosure rescission finance charge test. Finance charge disclosed on final CD as $xxx,xxx.xx. Calculated finance charge is $xxx,xxx.xx for an under disclosed amount of -$xxx.xx. Subject loan is a refinance case, originated on xx/xx/xxxx and the x-year SOL is active. |
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| 35356732 | xx | xx | xx | da2a7ebc-5993-445f-8fd8-49e03aadfec2 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Home Equity Loan Interest and Fees Pre-closing Disclosure is missing from the loan file (Lvl 3) | Home equity loan interest and fees pre-closing disclosure is missing from the loan documents. | ||
| 13299397 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows income used for qualifying is not supported. Review shows lender accepted handwritten paystubs and a xxxx Wx that was unable to be verified. Further details not provided. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx, FICO xxx, and $xxK equity in the subject. | ||
| 13299397 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Valuation | Property | Active | 2: Acceptable with Warnings | * Property is Manufactured Housing (Lvl 2) | As per the appraisal report, which is located at "xx," the subject property type is a manufactured home. The manufactured home rider and affidavit of affixation attached with the recorded mortgage located at “xx” state that the manufactured home with serial # xx has been affixed to the permanent foundation. | ||
| 13299397 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 81398347 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | The credit report is missing from the loan documents. | ||
| 81398347 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * GSE Points and Fees Test Violations (Lvl 3) | Loan fails GSE (Fannie Mae public guidelines) QM points and fees test due to fees charged $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$xxx.xx. The following fees were included in the test: Funding, Wire, or Disbursement Fee paid by Borrower: $xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx. The loan fails the qualified mortgage lending policy points and fees test due to fees charged $x,xxx.xx exceed fees threshold of $x,xxx.xx over by +$xxx.xx. The below fees were included in the test: Funding, Wire, or Disbursement Fee paid by Borrower: $xxx.xx Points - Loan Discount Fee paid by Borrower: $x,xxx.xx Processing Fee paid by Borrower: $xxx.xx Underwriting Fee paid by Borrower: $xxx.xx. |
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| 81398347 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan approved without a FICO score for BWR and home buyer education certificate is missing. Further details not provided. | ||
| 81398347 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 3067936 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the reimbursement amount validation test. The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. | ||
| 3067936 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Other Disclosures | Active | 3: Curable | * Missing Required Disclosures (Lvl 3) | Settlement service providers list is missing from the loan documents. | ||
| 3067936 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Homeownership Counselling Disclosure is missing. (Lvl 3) | Homeownership counseling disclosure is missing from the loan documents. | ||
| 3067936 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Subject closed as a non-escrowed loan with an LTV of xx%, exceeding the threshold of xx% for non-escrowed loans. ATR - confirmed via DU with Day x Certainty. | ||
| 3067936 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | Loan failed charges that cannot increase x% tolerance test. Loan estimate dated xx/xx/xxxx does not reflect Points - Loan Discount Fee. Final CD dated xx/xx/xxxx reflects Points - Loan Discount Fee at $xx.xx. Loan estimate dated xx/xx/xxxx reflects Appraisal Fee at $xxx.xx. Final CD dated xx/xx/xxxx reflects Appraisal Fee at $x,xxx.xx. This is a cumulative increase in fees of +$xxx.xx for charges that cannot increase. Valid COC for the increase in fee is missing from the loan documents. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL is active. Loan failed charges that in total cannot increase more than xx% tolerance test. Initial LE dated xx/xx/xxxx reflects the sum of Section C fees and Recording fee at $x,xxx.xx. Final CD dated xx/xx/xxxx reflects the sum of Section C and Recording fee at $x,xxx.xx. This is a cumulative increase of +$xx.xx for charges that in total cannot increase more than xx% test. Valid COC for the increase in fee is not available. Subject loan is a purchase case, originated on xx/xx/xxxx and the x-year SOL is active. | ||
| 3067936 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from loan documents. | ||
| 16507049 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase State Regulations Test Failed (Lvl 3) | The loan fails the prohibited fees test due to fees charged of $xxx.xx exceeding the fees threshold of $x.xx by +$xxx.xx. The below fees were included in the test: eClosing fee paid by Borrower: $xx.xx Title—Closing Protection Letter Paid by Borrower: $xx.xx Title—Flood Zone Determination Paid by Borrower: $xx.xx | ||
| 16507049 | xx | xx | xx | 9325f611-c110-4bce-be23-1105ec9f59e8 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | AUS | Active | 3: Curable | * Missing DU/GUS/AUS as required by guidelines (Lvl 3) | The AUS/DU report is missing from the loan documents. | ||
| 16507049 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows AUS findings were invalidated as the appraised value captured was incorrect, $xx lower than the actual appraised value of $xx. The AUS report is missing from the loan documents. Further details not provided. | ||
| 16507049 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | The rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 16507049 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings. The revised loan estimate receipt date is provided, and the revised loan estimate receipt date is less than four business days. This loan failed the TRID disclosure delivery date validation test. A revised loan estimate delivery date is on the closing disclosure delivery test. | ||
| 94677536 | xx | xx | xx | a17de1c9-6471-4b9e-8891-b3b543d9e4a1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 3: Curable | * Appraisal incomplete (missing map, layout, pages, etc) (Lvl 3) | Tape and appraisal report show that the comps selected are not similar, and the appraiser used large adjustments to arrive at an appraised value of $xx. Comp #x with a sales price of $xx, is closest to the subject property. Zillow search shows an estimated value of $xxxK. Current UPB is $xx. | ||
| 94677536 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 91698333 | xx | xx | xx | 07ba83aa-f6eb-46f5-82d7-4f3a5b61f06b | xx | xx | xx | QM-TRID | QC Complete | Florida | xx | Valuation | Property | Active | 3: Curable | * Property Marketability Issues (Lvl 3) | The tape shows the FNMA deemed the subject loan ineligible for purchase as the subject condo project was ineligible. A review of the condo questionnaire did not reflect any special assessment planned for repairs. Further details not provided. A Zillow search shows an estimated amount of $xx. Current UPB $xx. | ||
| 85348121 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Doc Issues | Active | 1: Acceptable | * Settlement date is different from note date (Lvl 1) | Final CD reflects closing date as xx/xx/xxxx. Notary's signature date on the mortgage/deed of trust is xx/xx/xxxx. Note date is xx/xx/xxxx. | ||
| 85348121 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape shows VOE at closing showed BWR was inactive. Lender defect. The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has xx.xx years on the job as a xx, FICO xxx, and $xxK equity in the subject. | ||
| 36207640 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from loan documents. | ||
| 36207640 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | * Cash out purchase (Lvl 2) | The subject loan is purchase case. Final CD dated xx/xx/xxxx reflects cash to borrower in the amount of $x,xxx.xx. | ||
| 36207640 | xx | xx | xx | 2a19023c-7efb-4d23-82fd-78048f7b77d1 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * Missing or error on the Rate Lock Document (Lvl 3) | Rate lock agreement signed by the borrower is missing from the loan documents. | ||
| 36207640 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The seller’s tape data shows monthly payments not calculated properly. | ||
| 36207640 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. Tape and review shows the Lender did not include a loan on the paystub in the DTI. Lender defect. Revised DTI xx%.The subject loan originated on xx/xx/xxxx, and the x-year SOL is active. BWR has x.xx years on the job as a xx. FICO xxx. $x,xxx residual income. $xK equity in the subject. | ||
| 36207640 | xx | xx | xx | c3e6361e-df5f-4c53-9b34-b137e5a1b580 | xx | xx | xx | QM-TRID | QC Complete | Texas | xx | Credit | Credit | Active | 3: Curable | * LTV / CLTV > 100% (Lvl 3) | Collateral value used for underwriting is $xx. Amount of secondary lien is $xx. Loan amount is $xx. LTV is xx% and CLTV is xx%, The current UPB is $xx. | ||
| 76689844 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Illinois | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | Tape shows the subject loan approved without a FICO score for BWR and home buyer education certificate is missing. Further details not provided. | ||
| 4917545 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. The Lender miscalculated SE income and did not take into consideration business losses from another business owned with her spouse. Lender defect. Revised DTI is xx%. Subject loan originated xx/xx/xxxx and the x-year SOL is active. The BWR is xx for x years and Co-Owner with her spouse of xx, FICO xxx, and $xx.xK equity in the subject. | ||
| 4917545 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Oregon | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | FHA mortgage insurance certificate is missing from the loan documents. | ||
| 91778036 | xx | xx | xx | 399d40af-a75c-4340-9c3c-97eadb98a8dc | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 2: Acceptable with Warnings | * Cash out purchase (Lvl 2) | The subject loan is a purchase case. The final CD, dated xx/xx/xxxx, reflects cash to in the amount of $xx.xx. | ||
| 91778036 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The tape shows the subject loan is not insurable, as the original appraisal was rejected by the investor and the second appraisal was documented x months after closing. Further details not provided. Zillow search shows an estimated value of $xx. Current UPB $xx. | ||
| 91778036 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | Mortgage insurance certificate is missing from the loan documents. | ||
| 91778036 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Pennsylvania license validation test. | ||
| 91778036 | xx | xx | xx | 50a8f171-1bbd-41a1-8281-6ef5904bb2ac | xx | xx | xx | QM-TRID | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 3: Curable | * Notice of Servicing Transfer missing or unexecuted (Lvl 3) | The loan was originated on xx/xx/xxxx with the loan amount of $xx. PH shows a large transaction in the amount of $xx on xx/xx/xxxx and the current UPB is $x.xx. The latest payment history is missing from xx/xx/xxxx to xx/xx/xxxx. Tape shows the current UPB as $xx. As per the collection comment dated xx/xx/xxxx, the loan was service transferred. Further details not available. | ||
| 72518594 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase risk indicator is "Moderate" due to this loan failed the TILA APR test This loan failed the predatory lending guidance test due to one or more of the following findings This loan failed the points and fees test. (Fannie Mae Lender Letter Ann. xx-xx) This loan failed the points and fees test. Freddie Mac Industry Letter xx/xx/xxxx) This loan failed the brokerage/finder fee test. |
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| 72518594 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final application is missing from the loan files. | ||
| 72518594 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan files. | ||
| 72518594 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan files. | ||
| 72518594 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan files. | ||
| 72518594 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the brokerage/finder fee test. The mortgage loan charges a brokerage/finder fee that exceeds x% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee. Any brokerage/finder fee of more than x% of the principal amount of the loan will be presumed to be unfair and unreasonable and shall be grounds to revoke the license or registration of such licensee or registrant, unless such licensee or registrant can provide evidence showing that such fee constitutes fair and reasonable compensation |
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| 72518594 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. This loan failed the predatory lending guidance test due to one or more of the following findings: The loan failed the allowable points and fees test. The loan exceeds the HOEPA APR threshold for primary residences. The loan exceeds the HOEPA points and fees threshold for primary residences. This loan failed the points and fees test. The points and fees charged to the borrower exceed the greater of x% of the mortgage amount or $x,xxx. |
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| 72518594 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Doc Issues | Active | 3: Curable | * Not all borrowers signed HUD (Lvl 3) | Final HUD-x is not signed by the borrower. | ||
| 72779778 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Credit | Credit | Active | 3: Curable | * Lost Note Affidavit (Lvl 3) | Lost note affidavit dated xx/xx/xxxx was found at location "xx" showing original note was misplaced, lost or destroyed. Copy of Note is also located at "xx". | ||
| 72779778 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Loan is HELOC no TIL will be available in file, hence exception is resolved. | ||
| 67865935 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Michigan | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | PMI certificate is missing in the loan file. | ||
| 67865935 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Non-QM | QC Complete | Michigan | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand dated by borrowers. | ||
| 53163814 | xx | xx | xx | 738e9f62-98d7-491b-a346-299cd4924f9c | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Credit | Guidelines | Active | 3: Curable | * Loan does not conform to program guidelines (Lvl 3) | The subject loan is a purchase case. The tape shows the homebuyer education certificate is missing. Further details not provided. | ||
| 53163814 | xx | xx | xx | 365f4d64-409f-42ad-9ce3-bf70561b82da | xx | xx | xx | QM-TRID | QC Complete | South Carolina | xx | Compliance | Compliance | Active | 4: Unacceptable | * ATR - Unable to determine borrower's Ability To Repay (Lvl 4) | Subject loan was approved at xx%. The Lender used BWR x income when the employer LOE stated she worked in office in NY and remote and the subject property is located in xx. In addition, foreign tax returns and assets statements were missing to support the asset depletion income. Revised DTI in excess of xxx%. Subject loan originated xx/xx/xxxx and the x-year SOL is active. Both BWR's are employed with xx for xx years, FICO xxx, and $xxxK equity in the subject. | ||
| 92671254 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Application is missing from the loan files. | ||
| 92671254 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x along with the estimated HUD-x and Itemization are missing from the loan files. | ||
| 92671254 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan files. | ||
| 92671254 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal is missing from the loan files. | ||
| 51177572 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * ROR not hand dated by borrower(s) (Lvl 2) | ROR is signed but not hand dated by borrower. | ||
| 51177572 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final loan application along with transmittal summery is missing in the loan files. | ||
| 12326112 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | Following GA state disclosures are missing from the loan file. x)Waiver of Borrowers Rightsand Closing Attorney Affidavit (not required by law but provided as a matter of custom) x)Disclosure of Additional Fees |
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| 12326112 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. | ||
| 12326112 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Compliance risk indicator is Elevated as the loan is failing for GSE (Fannie Mae public guidelines) Prepayment Penalty Term Test and GSE (Freddie Mac public guidelines) Prepayment Penalty Term Test. This loan failed the prepayment penalty term test. (Fannie Mae xxxx Selling Guide, Part IV, xxx.xx)The loan charges a prepayment penalty with a term exceeding x years. This loan failed the prepayment penalty term test. (Freddie Mac Industry Letter xx/xx/xxxx) The loan is a primary residence loan that charges a prepayment penalty with a term exceeding x years |
||
| 12326112 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * ROR not hand dated by borrower(s) (Lvl 2) | ROR singed but not hand dated by borrower. | ||
| 12326112 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit report is missing from the loan documents. | ||
| 89322896 | xx | xx | xx | e99b279c-a3fe-4039-91dc-3f33c0f684d9 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Good Faith Estimate is Missing (Lvl 2) | Initial GFE is missing from the loan file. | ||
| 89322896 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final loan application is missing from the loan files. | ||
| 89322896 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Good Faith Estimate missing or unexecuted (Lvl 2) | Final GFE is missing from the loan files. | ||
| 89322896 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | credit report missing in loan file. | ||
| 89322896 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. | ||
| 89322896 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct Disclosure is missing from the loan file. | ||
| 89322896 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service provider is missing from the loan file. | ||
| 89322896 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. | ||
| 89322896 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing Transfer is missing from the loan file. | ||
| 89322896 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property has been located in NJ. The following required disclosures are missing in the available loan files. x) NJ Application Disclosure. x) Delivery Fee Authorization. x) Lock-In Agreement. x) Commitment Disclosures. |
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| 89322896 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 89322896 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. | ||
| 89322896 | xx | xx | xx | 6d175d99-f2e3-4d75-80a0-682f8b85b1ea | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Truth in Lending Disclosure is Missing (Lvl 2) | Initial TIL is missing from the loan file. | ||
| 89322896 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x is missing from the loan file. However, neither estimated hud-x nor itemization is available in the loan file. | ||
| 45083530 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business form is missing from the loan file . | ||
| 45083530 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final xxxx along with underwriting transmittal is missing from the loan file . | ||
| 45083530 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing in the loan file . | ||
| 45083530 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing in the loan file. | ||
| 45083530 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | Operative index value is unable to confirm from the lender provided document. | ||
| 45083530 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report at origination is missing from the loan file. | ||
| 45083530 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing Transfer Disclosure is missing in the loan file . | ||
| 45083530 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | Loan Program Disclosure is missing from the loan file. | ||
| 45083530 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x along with estimated HUD-x and itemization is missing from the loan file. | ||
| 45083530 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | Following state (MA) disclosures are missing from the loan file:- x)Lead-Based Paint Disclosure x)Mortgage Loan Application Disclosure x)Carbon Monoxide Alarms x)MA Smoke Detector Certificate x)Notice of the Specific Reason for Denial of Credit x)Demonstration and Documentation of Compliance with Borrower’s Interest Requirement |
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| 95340432 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | credit report missing in loan file. | ||
| 95340432 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report at the time of origination of the loan is missing from the loan file. | ||
| 95340432 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service providers disclosure is missing from the loan file. | ||
| 95340432 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final xxxx is missing from the loan file. | ||
| 95340432 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The following state (OH) disclosures are missing from the loan file: x. Equal Credit Availability Notice x. Insurance Tying Disclosure x. Non-Deposit Insurance Disclosure |
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| 54689217 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final application is missing in the loan file. | ||
| 54689217 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | credit report missing in loan file. | ||
| 54689217 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | Loan Program disclosure is missing in the loan file. | ||
| 54689217 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | Operative index value source could not be found in the loan file. | ||
| 54689217 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | An appraisal report is missing in the loan file. | ||
| 54689217 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This compliance risk indicator is Significant as loan is failing for the ARM rate adjustment cap test. The loan failed the ARM rate adjustment cap test due to one or more of the following findings: The loan is a one or three-year adjustable rate mortgage and the initial or subsequent adjustment caps exceed x%; or The loan is a five, seven, or ten-year adjustable rate mortgage and the initial or subsequent adjustment caps exceed x%; or The initial adjustment period exceeds xxx months. The FHA does not offer a hybrid ARM loan program with an initial adjustment period that exceeds xxx months. |
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| 54689217 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing in the loan file. | ||
| 54689217 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing in the loan file. | ||
| 54689217 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing in the loan file. | ||
| 54689217 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The list of service providers disclosure is missing in the loan file. | ||
| 54689217 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | MI Cert is missing in the loan file. | ||
| 4069043 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing in the loan file. | ||
| 4069043 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final xxxx is missing in the loan file. | ||
| 4069043 | xx | xx | xx | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State/Local Predatory Test Failed (Lvl 2) | NY AB xxxxx High Cost Home Loan Points and Fees Threshold Test: FAIL Charged $xx,xxx.xx Allowed $xx,xxx.xx Over By +$xxx.xx however the SOL is till x years from Origination and that the Note Date is xx/xx/xxxx. This loan failed the points and fees threshold test due to one of the following findings: (NY AB xxxxx §x, x-L (x)(g)(ii)) The total points and fees (as defined in NY AB xxxxx) exceed five percent of the total loan amount (as defined in NY AB xxxxx) if the total loan amount is fifty thousand dollars or more. Fees Included - Loan Origination Fee $xx,xxx.xx Application Fee $xxx.xx Processing Fee $xxx.xx Application Fee $xxx.xx Attorney's Fee (Other) $x,xxx.xx Affirmative Claims can be made within x years of Origination and that the Note Date is xx/xx/xxxx. SOL for affirmative claims has been expired. The borrower may bring defensive claims at any time. |
||
| 4069043 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing transfer is missing in the loan file. | ||
| 4069043 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing in the loan file. | ||
| 4069043 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing in the loan file. | ||
| 4069043 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The required Disclosure is missing in the loan file. NY Consumer Credit Disclosure / Fair Credit Reporting Notice NY Interest Rate Disclosure NY Hazard Insurance Disclosure Mortgage Bankers and Exempt Organizations Preapplication Part xx Disclosure Alternative Mortgage Transaction Disclosures Default Warning Notice New York Real Property Escrow Account Disclosure Subprime Home Loan Counseling Disclosure Subprime Home Loan Tax and Insurance Payment Disclosure Subprime Home Loan Disclosure Commitment Disclosure Lock-in Disclosure Expiration of Lock-in or Commitment Period |
||
| 4069043 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file, loan is HELOC. | ||
| 92922593 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. | ||
| 92922593 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service providers document is missing from the loan file. | ||
| 92922593 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | credit report missing in loan file. | ||
| 92922593 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | * Settlement date is different from note date (Lvl 2) | According to final Hud-x, settlement date is xx/xx/xxxx which is different from note date that is xx/xx/xxxx. | ||
| 92922593 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in the state of california. The following state disclosures are required and are missing from the loan file. Impound Account Disclosure Private Mortgage Insurance Disclosure Hazard Insurance Disclosure CA Fair Lending Notice Anti Tying Disclosure Privacy Notice Notice of Right to Copy of Appraisal Fair Debt Collection Notice Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application |
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| 92922593 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. | ||
| 44093405 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. | ||
| 44093405 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure is missing from the loan file. | ||
| 44093405 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | * Settlement date is different from note date (Lvl 2) | The subject mortgage was originated on xx/xx/xxxx. However, according to final HUD-x, the settlement date is xx/xx/xxxx which is eight days after the note date. | ||
| 44093405 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. | ||
| 44093405 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issues | Active | 3: Curable | * Not all borrowers signed HUD (Lvl 3) | Final HUD-x is not signed by the borrower. | ||
| 44093405 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer document is missing from the loan file. | ||
| 26215056 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial account disclosure is missing from the loan file. | ||
| 26215056 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The list of service provider document is missing from the loan file. | ||
| 26215056 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required affiliated business disclosure is missing from loan file | ||
| 26215056 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | NEW JERSEY The subject property is located in NJ state. The following required disclosures are missing in the loan file: x) NJ Application Disclosure x) Delivery Fee Authorization x) NJ Attorney Disclosure x) Unacceptability of Insurance Notice x) NJ Attorney Disclosure II x) Tax Bill Information x) Private Well Testing x) Lock-In Agreement x) Commitment Disclosures xx) Choice of Insurer Disclosure xx) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application. xx)Initial escrow account disclosure |
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| 26215056 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit report is missing from loan documents. | ||
| 26215056 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | This is a conventional loan. LTV at the origination was xx%. The tape data is reflected MI required. Final xxxx reflect monthly MI in the amount of $xx; however, MI certificate is missing in the loan files. | ||
| 26215056 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The Notice of Servicing Transfer disclosure is missing from the loan file. | ||
| 31547465 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. | ||
| 31547465 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing in missing from the loan file. | ||
| 31547465 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit report is missing from loan documents. | ||
| 31547465 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. | ||
| 31547465 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of service transfer disclosure is missing from the loan file. | ||
| 31547465 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | HUD-x along with estimated hud and itemization is missing from the loan file. | ||
| 31547465 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final application si missing from the loan file. | ||
| 31547465 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. | ||
| 8331179 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. | ||
| 8331179 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The following disclosures are missing from the loan file, Oregon Forced Placed Insurance Notice, Escrow Notice for Loans Sold to Out-of- State Purchases within one year, Anti-Coercion Notice, Insurance Premium Notice, Insurance Sales Notice and Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application. | ||
| 8331179 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | Oregon | xx | Compliance | Doc Issues | Active | 3: Curable | * Not all borrowers signed HUD (Lvl 3) | The HUD-x is available in the loan file; however, it is not signed by the borrower. | ||
| 89764214 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The Required Affiliated Business disclosure is missing in the given loan files. | ||
| 89764214 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Compliance Ease Risk Indicator is moderate as the loan is failing for PA interest rate test : FAIL x.xxx% Allowed x.xxx% Over By +x.xxx%. The loan has an interest rate that does not conform to the requirements for the lenders license type in the state where the property is located. |
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| 89764214 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The list of service providers disclosure is missing from the loan file. | ||
| 89764214 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | Compliance Ease Risk Indicator is moderate as the loan is failing for PA interest rate test : FAIL x.xxx% Allowed x.xxx% Over By +x.xxx%. This loan failed the interest rate test. The loan has an interest rate that does not conform to the requirements for the lenders license type in the state where the property is located |
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| 36019736 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is not missing from the loan file. | ||
| 36019736 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test. Loan data x.xx%, Comparison data x.xxx% hence variance is -x.xxx% Final TIL is missing from the loan file. APR is considered x.xx% to test the CE report. |
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| 36019736 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA APR test. | ||
| 36019736 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | Below state disclosures are missing from the loan file. x. Affidavit of Consideration x. No escrow Account. |
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| 36019736 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit report is missing from loan documents. | ||
| 36019736 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliate business disclosure is missing from the loan file. | ||
| 36019736 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow disclosure is missing from the loan file. | ||
| 36019736 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 36019736 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan file. | ||
| 69123464 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Compliance risk indicator is Moderate due to loan is failing for TILa foreclosure rescission finance charge test. Loan date is $xx comparison date is $xx,xxx.xx and variance is -$xx.xx. |
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| 69123464 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA foreclosure rescission finance charge test. ( xx CFR §xxxx.xx(h) , transferred from xx CFR §xxx.xx(h) ) The finance charge is $xx,xxx.xx. The disclosed finance charge of $xx,xxx.xx is not considered accurate for purposes of rescission because it is understated by more than $xx.. |
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| 69123464 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | Following (MI) state disclosures are missing from the loan file. MI Borrower's Bill of Rights Choice of Insurance Agent |
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| 49271970 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Louisiana | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 49271970 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | x. This loan failed the TILA APR test due to APR we considered as x.xxx% as final TIL is missing from the loan file. x. This loan failed the predatory lending guidance test due to the loan failed the allowable points and fees test. x. This loan failed the points and fees test as the points and fees charged to the borrower exceed the greater of x% of the mortgage amount or $x,xxx. GSE (Fannie Mae public guidelines) Points and Fees Test: FAIL Loan data: $x,xxx.xx Comparison date: $x,xxx.xx Variance: +$x,xxx.xx |
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| 49271970 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The following state (LA) disclosures are missing from the loan file: x. Authorization Fees, Charges and Expenses for Federally Related Mortgage Loans x. Anti-Tying Disclosure x. Financial Institution Choice of Insurance Disclosure |
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| 49271970 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service providers disclosure is missing from the loan file. | ||
| 49271970 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase risk indicator is "Moderate" due to TILA APR Test fail and GSE (Fannie Mae and Freddie Mac public guidelines) Points and Fees Test fail. | ||
| 31297207 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | Below state disclosures are missing from the loan file. x. Unacceptability of Insurance Notice. |
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| 31297207 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | The disclosed annual percentage rate (APR) of xx% is considered accurate because it is not more than x/x of x percentage point above or below the APR of xx% as determined in accordance with the actuarial method; or The disclosed APR results from the disclosed finance charge, and the disclosed finance charge is considered accurate. The points and fees charged to the borrower do not exceed the greater of x% of the mortgage amount or $xx. | ||
| 31297207 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | CE fail for State Regulations Restricted Fees. Prohibited Fees Test- Loan data $xxxx.xx, comparison data $x.xx hence variance $xxxx.xx |
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| 14025972 | xx | xx | xx | 68e3a122-77dd-4825-90ca-67f762667468 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | DTI | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI Lending Policies limits the loan to 43% - This loan failed the qualified (Lvl 2) | This loan is failing Qualified Mortgage DTI Threshold Finding. The borrower has total monthly income of $xx and total expenses are in the amount of $xx hence DTI becomes xx% which exceeds xx% threshold. However Underwriting transmittal is available in loan files which states the subject loan is originated as xx, so it can qualifies as temporary safe harbor. | ||
| 14025972 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | DTI | Active | 2: Acceptable with Warnings | * DTI > 60% (Lvl 2) | The borrower has total monthly income of $xx,xxx.xx and total expenses are in the amount of $x,xxx.xx hence DTI becomes xx% which exceeds xx%. This is HARP loan | ||
| 14025972 | xx | xx | xx | e99b279c-a3fe-4039-91dc-3f33c0f684d9 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Good Faith Estimate is Missing (Lvl 2) | Initial GFE is missing from the loan file. | ||
| 14025972 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | The CE risk indicator is Elevated as the loan is failing Qualified Mortgage DTI Threshold Finding. The borrower has total monthly income of $xx and total expenses are in the amount of $x,xxx.xx hence DTI becomes xx% which exceeds xx% threshold. However Underwriting transmittal is available in loan files which states the subject loan is originated as HARP, so it can qualifies as temporary safe harbor. | ||
| 14025972 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | As per appraisal report original appraised value is $xx and value used by lender for LTV is $xx. Hence, LTV is greater than xx%. To coverage the loan MI certificate is required. however, MI certificate is missing from the loan file. | ||
| 14025972 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | Subject property is located at NJ state. Following state disclosure is missing from the loan file:- x) Unacceptability of Insurance Notice. x) Tax Bill Information. x) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application x) Choice of Insurer Disclosure. |
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| 14025972 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure is missing from the loan file. | ||
| 75429008 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | QM | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. However, the appraised value is updated from xxxx. | ||
| 75429008 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * TIL not hand dated (Lvl 2) | Final TIL is not hand dated by all the borrowers. | ||
| 75429008 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service provider disclosure is missing from the loan file. | ||
| 96535494 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | DTI | Active | 2: Acceptable with Warnings | * DTI > 60% (Lvl 2) | After entering the data provided by the application the DTI is greater than xx% | ||
| 96535494 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | The appraisal is missing from the loan file. Only first page of the appraisal is located at "xx" in the loan file but the xnd and other pages which reflects the appraisal amount was not found. | ||
| 96535494 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * ROR not hand dated by borrower(s) (Lvl 2) | The date on the ROR was typed in, not hand dated by borrower. | ||
| 96535494 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | Below mentioned state disclosures are missing from the loan file. x. NJ Attorney Disclosure x. Tax Bill Disclosure |
||
| 96535494 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | The Final HUD is missing from the loan file. There is only the signature page of the HUD located at "xx" in the file. | ||
| 11266987 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in Indiana State and the IN state requires total x disclosures which are missing from the loan file. x)Hazard Insurance Disclosure x)Federal Consumer Credit Protection Act Disclosure x)Insurance Freedom of Choice Disclosure |
||
| 11266987 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business disclosure is missing from the loan file. | ||
| 11266987 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Good Faith Estimate missing or unexecuted (Lvl 2) | Final GFE is missing from the loan file. | ||
| 11266987 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final xxxx is missing from the loan file. | ||
| 11266987 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. | ||
| 11266987 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. | ||
| 11266987 | xx | xx | xx | 6d175d99-f2e3-4d75-80a0-682f8b85b1ea | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Truth in Lending Disclosure is Missing (Lvl 2) | Initial TIL is missing from the loan file. | ||
| 11266987 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 11266987 | xx | xx | xx | e99b279c-a3fe-4039-91dc-3f33c0f684d9 | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Good Faith Estimate is Missing (Lvl 2) | Initial GFE is missing from the loan file. | ||
| 11266987 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x is missing from the loan file. However, there is neither estimated Hud-x nor itemization available in the loan file. | ||
| 11266987 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. | ||
| 11266987 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Indiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service providers document is missing from the loan file. | ||
| 69182265 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from loan file. | ||
| 69182265 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service provider is missing from loan file. | ||
| 69182265 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | * Settlement date is different from note date (Lvl 2) | Settlement date is different from note date, as per the original note note date is xx/xx/xxxx, however final HUD x reflects settlement is xx/xx/xxxx. | ||
| 69182265 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Compliance Ease risk is "Elevated" due to GSE failed for point and fee test. | ||
| 69182265 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issues | Active | 3: Curable | * Not all borrowers signed HUD (Lvl 3) | Final HUD x is not signed by borrower. | ||
| 69182265 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The property is in Maryland state and in this MD state x disclosures are required, however all disclosures are missing from loan file as follows. x)Affidavit of Consideration x)Affidavit of Disbursement x)First Time Buyers Affidavit x)Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure x)Balloon Payment x)No Escrow Account x)Mandatory Binding Arbitration Disclosures |
||
| 88847202 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Credit | DTI | Active | 2: Acceptable with Warnings | * DTI > 60% (Lvl 2) | According to final loan application, the total monthly income of the borrower is in the amount of $x,xxx.xx and the total monthly expenses are $x,xxx.xx. Hence, DTI exceeds xx%. | ||
| 88847202 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service providers is missing from the loan file. | ||
| 88847202 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | Loan is Failing for NC State Regulation Test. Borrower has been charged Loan Discount Fees $x,xxx however Bona Fide Disclousre is missing confirming the undiscounted rate. |
||
| 88847202 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in NC State. The following state disclosures are missing from the loan file: x]Amortization Schedule Disclosure. x]Credit Property Insurance Disclosure. x]Fee Agreement. x]Priority of Security Instrument Disclosure. x]Attorney Selection Disclosure. |
||
| 88847202 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | CE Risk Indicator is Moderate as the loan is Failing for NC State Regulation Test. | ||
| 88847202 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business form is missing from the loan file. | ||
| 96367069 | xx | xx | xx | 40732d41-ff63-42f7-90be-34db1148c008 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) | Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file | ||
| 96367069 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase Risk Indicator is " Moderate" due to Prepayment Term Test fail. | ||
| 96367069 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | ComplianceEase State Regulation Test Fail due to Prepayment Term Test:. Prepayment Term Test shows Loan Data: xx Month, Comparison Data: x Month, Variance: xx Months. |
||
| 80145263 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing Transfer is missing from the loan file. | ||
| 80145263 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. | ||
| 80145263 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service Providers is missing from the loan file. | ||
| 80145263 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | DTI | Active | 2: Acceptable with Warnings | * DTI > 60% (Lvl 2) | According to Final xxxx, borrowers income is in the amount of $x,xxx.xx and total expenses of borrower are $x,xxx.xx. Therefore, DTI exceeds xx%. | ||
| 63465255 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in MA state. The following state disclosure are missing from the loan file Lead-Based Paint Disclosure, Carbon Monoxide Alarms, MA Smoke Detector Certificate. | ||
| 63465255 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final Application is missing from the loan file along with transmittal summary report. | ||
| 63465255 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. | ||
| 63465255 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service Provider is missing from the loan file. | ||
| 63465255 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. | ||
| 63465255 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Disclosure Document is missing from the loan file. | ||
| 63465255 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 63465255 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Fianl HUD-x is missing from the loan file along with itemization and estimated HUD-x. | ||
| 56280168 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from loan file. | ||
| 56280168 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service provider is missing from loan file. | ||
| 56280168 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required affiliated business disclosure missing/unexecuted is missing from loan file. | ||
| 56280168 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer missing from loan file. | ||
| 56280168 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in New York state, however required state disclosure missing from loan file as follows. x.Expiration of Lock-in or Commitment Period. x.Lock-in Disclosure. x.Commitment Disclosure. |
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| 56280168 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Available copy of HUD-x is not signed by borrower. The same the copy of HUD-x shows settlement date is xx/xx/xxxx and note date is xx/xx/xxxx. However, this copy of HUD-x is considered as final HUD-x. | ||
| 56280168 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | * Settlement date is different from note date (Lvl 2) | Available copy of HUD-x shows settlement date is xx/xx/xxxx which is later than the note date is xx/xx/xxxx. | ||
| 25806992 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final application is missing from loan the file. | ||
| 25806992 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in Maryland state and the MD state requires total x disclosures. However all the disclosures are missing from loan file as: x) Affidavit of Disbursement x) Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure x) No Escrow Account x) Mandatory Binding Arbitration Disclosures |
||
| 25806992 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | The loan is conventional loan and the LTV is xx%, therefore MI certificate is required. However, it is missing from loan file and the data is considered from Mortgage insurance screen print. (Doc- xx) | ||
| 25806992 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business form is missing from loan file. | ||
| 25806992 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service provider is missing from loan file. | ||
| 24801901 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Credit | DTI | Active | 2: Acceptable with Warnings | * DTI > 60% (Lvl 2) | As per final xxxx the total monthly income of borrower is $xx and total monthly expenses are $xx. Hence DTI>xx% | ||
| 24801901 | xx | xx | xx | 613834f7-95c5-41c1-9d96-b0fe90fa7b84 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State/Local Predatory Test Failed (Lvl 2) | Compliance risk indicator is Significant due to the loan is failing for NC SB xxxx High Cost Home Loan Prepayment Term Test, NC SB xxxx High Cost Home Loan DTI Presumption Test: and NC SB xxxx High Cost Home Loan Financing of Points and fees test Fees Test. SOL to make any claim is x years and that the Note Date is xx/xx/xxxx. |
||
| 24801901 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | An affiliated business disclosure is missing from the loan file. | ||
| 24801901 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service providers is missing from the file. | ||
| 24801901 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * TIL not hand dated (Lvl 2) | Final TIL is signed but not hand dated by borrower. | ||
| 24801901 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. | ||
| 21876624 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in MD State. Following disclosures are missing from the loan file. x. Affidavit of Consideration x. Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure x. Balloon Payment x. No Escrow Account |
||
| 21876624 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of service transfer disclosure is missing from the loan file. | ||
| 21876624 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service providers disclosure is missing from the loan file. | ||
| 21876624 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * TIL not hand dated (Lvl 2) | Final TIL is not hand dated by the borrower. | ||
| 2502708 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate for purposes of rescission because it is understated by more than $xx. |
||
| 2502708 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Colorado | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow is missing from the loan file. | ||
| 2502708 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The List of Service Providers is missing from the loan file. | ||
| 2502708 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The state required Disclosure is missing from the loan file listed as follows; Cash-Out Refinance Disclosure Property Insurance Disclosure Colorado Notice to Cosigner Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application |
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| 2502708 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Colorado | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA foreclosure rescission finance charge test. TILA Foreclosure Rescission Finance Charge Test: FAIL Loan data $xxx,xxx.xx Comparison data $xxx,xxx.xx Variance -$xx.xx |
||
| 2502708 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Non-QM | QC Complete | Colorado | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * ROR not hand dated by borrower(s) (Lvl 2) | ROR not hand dated by borrower. | ||
| 18940021 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The property is located in OH state and the required disclosures for this state are missing from the loan file as follow. x) Equal Credit Availability Notice x) Insurance Tying Disclosure x) Non-Deposit Insurance Disclosure |
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| 18940021 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The list of service provider disclosure is missing from the loan file. | ||
| 18940021 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | credit report missing in loan file. | ||
| 18940021 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business form disclosure is missing from the loan file | ||
| 29687154 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | The operative index value can not be determined from the available loan files. | ||
| 29687154 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | Arizona | xx | Compliance | Doc Issues | Active | 3: Curable | * Not all borrowers signed HUD (Lvl 3) | Final HUD-x is not signed by all the borrower. | ||
| 29687154 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Arizona | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | The Loan program disclosure is missing in the loan file. | ||
| 29687154 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | Arizona | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | * Settlement date is different from note date (Lvl 2) | Note is xx/xx/xxxx and settlement date is xx/xx/xxxx which is different to note date. | ||
| 29687154 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Arizona | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The affiliated business disclosure is missing in the loan file. | ||
| 81659981 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in IL state. The following state disclosure are missing from the loan file as follow: IL Collateral Protection Insurance Notice, Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application. |
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| 81659981 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. | ||
| 81659981 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. | ||
| 81659981 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service Providers is missing from the loan file. | ||
| 20753052 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | credit report missing in loan file. | ||
| 20753052 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. The loan does charge fee not provided for in this act, which is prohibited. A person licensed as a mortgage broker shall have the right to charge only the following fees: (x) application fee; and (x) discount points which may be labeled as an origination fee. A person licensed as a mortgage banker or correspondent mortgage banker shall have the right to charge only the following fees: (x) a credit report fee; (x) appraisal fee; (x) application fee; (x) commitment fee; |
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| 20753052 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing in the loan file. | ||
| 20753052 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List Of Service Providers is missing in the loan files. | ||
| 20753052 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Disclosure Document is missing in the loan file. | ||
| 20753052 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | An operative index value is unable to confirm from the available loan file . | ||
| 20753052 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Prohibited Fees Test: FAIL Loan Data $x,xxx.xx Comparison Data $x.xx Variance +$x,xxx.xx | ||
| 20753052 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing in the loan file. | ||
| 20753052 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in NJ state. The following state disclosure are missing in the loan files. x)NJ Attorney Disclosure x)Unacceptability of Insurance Notice x)Attorney Disclosure II x)Tax Bill Information x)Choice of Insurer Disclosure x)Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application. |
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| 77766069 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit Report missing from loan file. | ||
| 77766069 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan is failed to x) This loan failed the interest rate test. Loan Data xx.xxx% Comparison Data xx.xxx% Variance x.xxx |
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| 77766069 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase risk indicator is moderate due to x) This loan failed the interest rate test. |
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| 77766069 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | The loan is conventional and the LTV is xx% hence MI certificate is required and it is missing from loan file. | ||
| 14721450 | xx | xx | xx | bbe82b12-eddd-4a07-9e0d-03ad80095bd9 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Not Signed by All Borrowers (Lvl 2) | Final application is missing in the loan file. However, values considered from initial application dated xx/xx/xxxx. | ||
| 14721450 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | The operative index value source could not be found in the loan file. | ||
| 14721450 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final application is missing in the loan file. | ||
| 14721450 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing in the loan file. | ||
| 14721450 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing in the loan file. | ||
| 14721450 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal is missing from the loan file. The details are updated from Form xxxx present in the loan file. | ||
| 14721450 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The list of service providers disclosure is missing in the loan file. | ||
| 14721450 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit Report missing from loan file. | ||
| 69077855 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated Business Disclosure is missing from the loan file. | ||
| 69077855 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | Property is located in NY state and the required disclosures for this state are missing from the loan file as follow. x. NY Consumer Credit Disclosure / Fair Credit Reporting Notice x. NY Hazard Insurance Disclosure x.Tax Escrow Account Designation x. Mortgage Bankers and Exempt Organizations Preapplication x. Commitment Disclosure x. Lock-in Disclosure |
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| 69077855 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service provider disclosure is missing from the loan file. | ||
| 76586932 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. | ||
| 76586932 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service Provider disclosure is missing from the loan file. | ||
| 76586932 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in NY state. The following state disclosure are missing from the loan file as follows: NY Consumer Credit Disclosure / Fair Credit Reporting Notice, NY Interest Rate Disclosure, NY Hazard Insurance Disclosure, Tax Escrow Account Designation, Mortgage Bankers and Exempt Organizations Pre-application, Co-Signer Notice Requirements, Default Warning Notice, New York Real Property Escrow Account Disclosure, Commitment Disclosure, Lock-in Disclosure, Expiration of Lock-in or Commitment Period. |
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| 76586932 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Disclosure is missing from the loan file. | ||
| 52500514 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | Following are the state disclosure which are missing from the loan file; x.Oregon Forced Placed Insurance Notice x.Notice where Escrow Account is NOT Required x.Escrow Notice for Loans Sold to Out-of- State Purchases within one year x.Anti-Coercion Notice x.Insurance Premium Notice x.Insurance Sales Notice x.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application |
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| 52500514 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | Oregon | xx | Compliance | Doc Issues | Active | 3: Curable | * Not all borrowers signed HUD (Lvl 3) | Final HUD-x is not signed by borrower. | ||
| 52500514 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service Providers is missing from the loan file. | ||
| 52500514 | xx | xx | xx | d37b6b0d-52a6-40cb-8ba6-8980e85842cd | xx | xx | xx | Non-QM | QC Complete | Oregon | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) | ROR transaction date shows as xx/xx/xxxx; however, note or HUD-x settlement date shows as xx/xx/xxxx. | ||
| 52500514 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Oregon | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. | ||
| 95979856 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | Subject property is located at NY state. Following required state disclosure is missing from the loan file. :- x) NY Consumer Credit Disclosure / Fair Credit Reporting Notice. x) NY Interest Rate Disclosure. x) NY Hazard Insurance Disclosure. x) Tax Escrow Account Designation. x) Co-Signer Notice Requirements. x) Default Warning Notice. x) Commitment Disclosure. |
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| 95979856 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | As per appraisal report original LTV is xx%. To coverage the loan MI Certificate is required. however, MI Certificate is missing from the loan file. | ||
| 95979856 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the grace period test. The loan has a grace period that does not conform to the requirements for the lender's license type in the state where the property is located. According to the note Grace period (days) is xx which is comparison with xx days and variance is -x days. This loan failed the late fees test. The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located. According to note, late charge percent is x.xx% which is comparison with x.xx% and variance is +x.xx%. |
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| 95979856 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the NY sub prime home loan test. (NY SB xxxx Section x, x(c)) Loan data is xx.xxx% which was comparison with x.xxx% and variance is +x.xxx% Using the greater of the disclosed APR and the fully indexed rate, the loan is a sub prime home loan, as defined in the legislation. While the New York Sub prime Home Loan provisions specify that lenders may lawfully make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy sub prime home loans even if the additional conditions are met. This loan failed the federal un-discounted rate validation test. The loan charges a bona fide discount fee without any reduction of the interest rate from the un-discounted rate. The interest rate should be less than the un-discounted rate if a bona fide loan discount fee is charged. This loan failed the un-discounted rate validation test. The loan charges a bona fide discount fee without any reduction of the interest rate from the un- discounted rate. The interest rate should be less than the un- discounted rate if a bona fide loan discount fee is charged. |
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| 95979856 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan file. | ||
| 95979856 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service providers is missing from the loan file. | ||
| 95979856 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final application along with transmittal is missing from the loan file. | ||
| 95979856 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct Disclosure is missing from the loan file. | ||
| 95979856 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | x) The loan complianceEase failed due to below state regulations. :- This loan failed the grace period test and the late fees test. x) This loan failed the federal un-discounted rate validation test. x) This loan failed the un-discounted rate validation test. |
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| 12974330 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. ( N.J.S.A. §xx:xxC-xx, N.J.A.C. § §x:x-xx.x ) The loan does charge fee(s) not provided for in this act, which is prohibited. Mortgage Broker Fee (Direct) $x,xxx.xx Funding Fee $xx.xx |
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| 12974330 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase risk indicator is moderate as loan is failing for prohibited fees. Mortgage Broker Fee (Direct) $x,xxx.xx Funding Fee $xx.xx |
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| 12974330 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service provider is missing from the loan file. | ||
| 12974330 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. | ||
| 49902257 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | MI is missing from loan file. | ||
| 49902257 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The list of service providers is missing from the loan file. | ||
| 49902257 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from loan file. | ||
| 50969518 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. | ||
| 50969518 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in Ohio State. The following required state disclosures are missing from the loan file. x.Equal Credit Availability Notice x.Insurance Tying Disclosure x.Non-Deposit Insurance Disclosure |
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| 50969518 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. | ||
| 50969518 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit Report missing from loan file. | ||
| 50969518 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Ohio | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The list of service provider document is missing from the loan file. | ||
| 95809929 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in TN state, however required state disclosure missing from loan file as follows. x. Placement of Insurance Disclosure. x. Availability of Title Insurance. x. TN Consent to Disclosure of Insurance Information. x. Choice of Agent/insurer. x. Insurance Solicitation/Post Commitment. |
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| 95809929 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase Risk Indicator is 'Moderate'. x) This loan failed the TILA APR test. x) This loan failed the brokerage/finder fee test. |
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| 95809929 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit Report missing from loan file. | ||
| 95809929 | xx | xx | xx | 40732d41-ff63-42f7-90be-34db1148c008 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) | Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file. | ||
| 95809929 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | ComplianceEase TILA test failed. This loan failed the TILA APR test. The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. |
||
| 95809929 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from loan file. | ||
| 95809929 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required affiliated business disclosure is missing from loan file. | ||
| 95809929 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from loan file. | ||
| 95809929 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | ComplianceEase State regulation test failed. This loan failed the brokerage/finder fee test : Fail, Loan data $x,xxx.xx, Comparison data $x,xxx.xx, Variance +$x,xxx.xx. The mortgage loan charges a brokerage/finder fee that exceeds x% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee. |
||
| 95809929 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service provider disclosure is missing from loan file. | ||
| 95809929 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Doc Issues | Active | 3: Curable | * Not all borrowers signed HUD (Lvl 3) | Final HUD-x is not signed by borrower. | ||
| 95809929 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. | ||
| 95809929 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final application is missing from loan file. | ||
| 95809929 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. | ||
| 15254522 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account disclosure is missing from the loan file. | ||
| 15254522 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service Providers disclosure is missing from the loan file. | ||
| 15254522 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business disclosure is missing from the loan file. | ||
| 15254522 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | DTI | Active | 2: Acceptable with Warnings | * DTI > 60% (Lvl 2) | As per the final xxxx, the income of the borrower is $x,xxx.xx and the total expenses are $x,xxx.xx, therefore DTI >xx%. | ||
| 15254522 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing Transfer is missing from the loan file. | ||
| 17109869 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The service transfer disclosure is missing from the loan file. | ||
| 17109869 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final Loan application is missing from the loan file; however, found initial application dated xx/xx/xxxx, and hence updating information as per the initial application. Located at (xx). | ||
| 17109869 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The required state disclosures are missing from the loan file. (TILA Disclosures in Spanish,Home Equity Consumer Disclosure, Home Equity Loan Interest and Fees Pre-closing Disclosure , Home Equity Loan Copies of Documents, Home Equity Loan Rescission Notice, Fair Market Value of Homestead Property Acknowledgment, Home Equity Loan Notice of Address for Borrower Notification of Violation, Choice of Insurance Notice, Collateral Protection Insurance Disclosure, Non-Deposit Investment Product Disclosure Are there any promotional materials?, Insurance Solicitation/Post Commitment Requirement, Construction Loan Disclosure). | ||
| 17109869 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The list of service providers disclosure is missing from the loan file. | ||
| 17109869 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | The loan program disclosure is missing from the loan file. | ||
| 17109869 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The Affiliated business form disclosure is missing from the loan file. | ||
| 17109869 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan failed the prepayment penalty term test. The loan charges a prepayment penalty with a term exceeding x years. This loan failed the prepayment penalty term test. The loan is a primary residence loan that charges a prepayment penalty with a term exceeding x years. |
||
| 17109869 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | Mortgage Insurance Certificate is missing from the loan file. | ||
| 17109869 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial Escrow account disclosure is missing from the loan file. | ||
| 35104782 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The following disclosures are missing from the loan file, NY Consumer Credit Disclosure / Fair Credit Reporting Notice, NY Interest Rate Disclosure, NY Hazard Insurance Disclosure, Tax Escrow Account Designation, Mortgage Bankers and Exempt Organizations Preapplication, Part xx Disclosure, Alternative Mortgage Transaction Disclosures, Co-Signer Notice Requirements, Default Warning Notice, Smoke Alarm Affidavit, New York Real Property Escrow Account Disclosure, Subprime Home Loan Counseling Disclosure, Subprime Home Loan Tax and Insurance Payment Disclosure, Subprime Home Loan Disclosure, Commitment Disclosure, Lock-in Disclosure and Expiration of Lock-in or Commitment Period. | ||
| 35104782 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. | ||
| 35104782 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing disclosure is not provided | ||
| 35104782 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | TILA Finance Charge Test: FAIL $xx,xxx.xx $xx,xxx.xx -$xxx.xx. TILA Foreclosure Rescission Finance Charge Test: FAIL $xx,xxx.xx $xx,xxx.xx -$xxx.xx. |
||
| 35104782 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service providers disclosures is missing from the loan file. | ||
| 35104782 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test. The finance charge is $xx,xxx.xx. The disclosed finance charge of $xx,xxx.xx is not considered accurate because it is understated by more than $xxx. This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $xx,xxx.xx. The disclosed finance charge of $xx,xxx.xx is not considered accurate for purposes of rescission because it is understated by more than $xx. |
||
| 8753553 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing Transfer Disclosure is missing from the loan file. | ||
| 8753553 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service provider is missing from the loan file. | ||
| 8753553 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | Subject property is located at CA state. Following state disclosure is missing from the loan file. :- x) Impound Account Disclosure. x) Cosigner Notice. x) Hazard Insurance Disclosure. x) Privacy Notice. x) Application for Credit-Married Persons |
||
| 28815883 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | West Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The CE result is Moderate because this loan failed the late fees test. | ||
| 28815883 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | West Virginia | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | * Settlement date is different from note date (Lvl 2) | The loan origination date is xx/xx/xxxx as per Note. However as per the final HUD-x it is xx/xx/xxxx. | ||
| 28815883 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | West Virginia | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. | ||
| 28815883 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | West Virginia | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The Servicing Transfer disclosure is missing from the loan file. | ||
| 28815883 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | West Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | Late Fees Test: FAIL Loan Data x.xxx% Comparison Data x.xxx% and variance is +x.xxx% The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located. |
||
| 28815883 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | West Virginia | xx | Compliance | Doc Issues | Active | 3: Curable | * Not all borrowers signed HUD (Lvl 3) | Final HUD-x not signed by borrower. | ||
| 28815883 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | West Virginia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The Affiliated Business Disclosure is missing from the loan file. | ||
| 45315287 | xx | xx | xx | bbe82b12-eddd-4a07-9e0d-03ad80095bd9 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Not Signed by All Borrowers (Lvl 2) | Final application is not signed by the borrower. | ||
| 45315287 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final application is not signed by the borrower. | ||
| 45315287 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Services Providers is missing from the loan files. | ||
| 45315287 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct Disclosure is missing from the loan files. | ||
| 45315287 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. | ||
| 5679034 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | Interest Rate Test: Loan Data: x.xxx% Comparison Data: x.xxx% Variance:+x.xxx% | ||
| 5679034 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The complienceEase test failed for the interest rate test. | ||
| 5679034 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The list of service providers is missing from the loan file. | ||
| 94543895 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | Oklahoma | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | * Settlement date is different from note date (Lvl 2) | As per note, loan origination date is xx/xx/xxxx however, as per the estimated HUD-x date is xx/xx/xxxx which is different from the note date. | ||
| 94543895 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Oklahoma | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | credit report missing in loan file. | ||
| 94543895 | xx | xx | xx | c23a2eb9-a8db-4d55-a62b-42585231fc2c | xx | xx | xx | Non-QM | QC Complete | Oklahoma | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Date after actual transaction date (Lvl 2) | As per Final TIL date is xx/xx/xxxx however, as per estimated HUD-x settlement date is xx/xx/xxxx which is difference from final TIL date. | ||
| 94543895 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x is missing from the loan file however, estimated HUD-x is available in the loan file with settlement date xx/xx/xxxx. Doc loc#xx(pg#xx) | ||
| 6067696 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. | ||
| 6067696 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 6067696 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Application is missing in the loan file. | ||
| 6067696 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in Florida, however, the following disclosures are missing from the loan file. Anti-Coercion Notice Radon Gas Disclosure Insurance Sales Disclosure |
||
| 6067696 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. | ||
| 6067696 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan file. | ||
| 6067696 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service providers disclosure is missing from the loan file. | ||
| 48017955 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The property is located in state of Texas. The following required State Disclosure is missing from the loan file. x.TX Loan Agreement Notice x.Commitment Requirement/Anti-Tying x.TILA Disclosures in Spanish x.Home Equity Consumer Disclosure x.Home Equity Loan Interest and Fees Preclosing Disclosure x.Home Equity Loan Copies of Documents x.Home Equity Loan Rescission Notice x.Fair Market Value of Homestead Property Acknowledgment(“xx”) x.Home Equity Loan Notice of Address for Borrower Notification of Violation xx.Choice of Insurance Notice xx.Collateral Protection Insurance Disclosure (“xx”) xx.Non-Deposit Investment Product Disclosure xx.Insurance Solicitation/Post Commitment Requirement |
||
| 48017955 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. | ||
| 41592505 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 41592505 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. | ||
| 41592505 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. | ||
| 41592505 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final application is missing from the loan file. | ||
| 41592505 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in New York State. The following state disclosures are missing from the loan file. x.NY Consumer Credit Disclosure / Fair Credit Reporting Notice x.NY Interest Rate Disclosure x.NY Hazard Insurance Disclosure x.Tax Escrow Account Designation x.Mortgage Bankers and Exempt Organizations Preapplication x.Part xx Disclosure x.Alternative Mortgage Transaction Disclosures x.Co-Signer Notice Requirements x.Default Warning Notice xx.Smoke Alarm Affidavit xx.New York Real Property Escrow Account Disclosure xx.Subprime Home Loan Counseling Disclosure xx.Subprime Home Loan Tax and Insurance Payment Disclosure xx.Subprime Home Loan Disclosure xx.Commitment Disclosure xx.Lock-in Disclosure xx.Expiration of Lock-in or Commitment Period |
||
| 41592505 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | Unable to determine an operative index value as supportive documents are missing from the loan file. | ||
| 41592505 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing Transfer Disclosure is missing from the loan file. | ||
| 41592505 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. | ||
| 41592505 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The list of service provider document is missing from the loan file. | ||
| 41592505 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x along with estimated HUD and itemization is missing from the loan file. | ||
| 96224972 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | TILA APR Test:Result: FAIL ;Loan Data: x.xxx%; Comparison Data:x.xxx% ; Variance:-x.xxx%. This loan failed the TILA APR test. The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. |
||
| 96224972 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issues | Active | 3: Curable | * Not all borrowers signed HUD (Lvl 3) | Final HUD-x is not signed by the borrower. | ||
| 96224972 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. | ||
| 96224972 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit report is missing from loan file. | ||
| 96224972 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | TILA APR Test:Result: FAIL ;Loan Data: x.xxx%; Comparison Data:x.xxx% ; Variance:-x.xxx%. | ||
| 96224972 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. | ||
| 96224972 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file . | ||
| 96224972 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service Provider is missing from the loan file. | ||
| 96224972 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in TX state. The following state disclosure are missing from the loan file. ·TX Loan Agreement Notice ·Commitment Requirement/Anti-Tying ·TILA Disclosures in Spanish ·Home Equity Consumer Disclosure ·Home Equity Loan Interest and Fees Preclosing Disclosure ·Home Equity Loan Copies of Documents ·Home Equity Loan Rescission Notice ·Fair Market Value of Homestead Property Acknowledgment ·Home Equity Loan Notice of Address for Borrower Notification of Violation ·Choice of Insurance Notice ·Collateral Protection Insurance Disclosure ·Non-Deposit Investment Product Disclosure Are there any promotional materials? ·Insurance Solicitation/Post Commitment Requirement ·Construction Loan Disclosure |
||
| 96224972 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Disclosure Document is missing from the loan file. | ||
| 96224972 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final Application is missing from the loan file along with transmittal summary report. | ||
| 94064216 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 94064216 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | TILA APR Test: FAIL; Loan Data: x.xxx%; Comparison Data: x.xxx%; Variance: -x.xxx%. This loan failed the TILA APR test. The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. |
||
| 94064216 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA APR test. This loan failed the interest rate test. |
||
| 94064216 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located at Arkansas State. The following state disclosure is missing from the loan file: x. Choice of Insurance Disclosure. |
||
| 94064216 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final xxxx application along with transmittal is missing from the loan file. | ||
| 94064216 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. | ||
| 94064216 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Doc Issues | Active | 3: Curable | * Not all borrowers signed HUD (Lvl 3) | Final HUD-x is not signed by all borrowers. | ||
| 94064216 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow acct. disclosure is missing from the loan file. | ||
| 94064216 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Disclosure Document is missing from the loan file. | ||
| 94064216 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | Loan Program disclosure is missing from the loan file. | ||
| 94064216 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit report is missing from loan file. | ||
| 94064216 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report along with xxxx is missing from the loan file. | ||
| 94064216 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | Unable to determine the operative index value since the supportive documents are missing from the loan file. | ||
| 94064216 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Services Providers is missing from the loan file. | ||
| 94064216 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | Arkansas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | Interest Rate Test: FAIL; Loan Data: x.xxx%; Comparison Data: x.xxx% and Variance: +x.xxx%. This loan failed the interest rate test. The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located. |
||
| 53208210 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | The final TIL is missing from the loan file. | ||
| 53208210 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. | ||
| 53208210 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. | ||
| 53208210 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located at "Texas" state and following disclosures are required which are missing from the loan file. x) TX Loan Agreement Notice. x) Commitment Requirement/Anti-Tying. x) Choice of Insurance Notice. x) Collateral Protection Insurance Disclosure. x) Non-Deposit Investment Product Disclosure Are there any promotional materials?. x) Insurance Solicitation/Post Commitment Requirement. |
||
| 53208210 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | The loan program disclosure is missing from the loan file. | ||
| 53208210 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | The final application is missing from the loan file. | ||
| 53208210 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service providers is missing from the loan file. | ||
| 53208210 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan file. | ||
| 53208210 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow account disclosure is missing from the loan file. | ||
| 53208210 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD x is missing from the loan file. Also, neither Estimated HUD-x nor itemization is available. | ||
| 53208210 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. | ||
| 91189554 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service Provider Disclosure is missing from the loan file. | ||
| 91189554 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The property is located in MA state and the required disclosures are missing from the loan file as follow. x. Carbon Monoxide Alarms x. MA Smoke Detector Certificate |
||
| 53730176 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership Counseling Organizations disclosure is missing from the loan file. | ||
| 53730176 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. | ||
| 53730176 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service providers document is missing from the loan file. | ||
| 53730176 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM | QC Complete | Wisconsin | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | The loan was originated as FHA insured loan. MI certificate is required, however, the same has been missing from the loan file, but the document located at "xx" states case was canceled on xx/xx/xxxx and it was archived. | ||
| 53730176 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | QM | QC Complete | Wisconsin | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The following state (WI) disclosure is missing from the loan file: x. Choice of Insurance Disclosure |
||
| 61082415 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Mississippi | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final loan application/xxxx is missing from the loan file. | ||
| 61082415 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. | ||
| 61082415 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service provider is missing from the loan file. | ||
| 61082415 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in massachusetts. Following disclosures are required in this sate. x.Lead-Based Paint Disclosure x.Mortgage Loan Application Disclosure x.Carbon Monoxide Alarms x.MA Smoke Detector Certificate x.Notice of the Specific Reason for Denial of Credit x.Demonstration and Documentation of Compliance with Borrower Interest Requirement State disclosures are missing from the loan file. |
||
| 61082415 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Mississippi | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | An appraisal report at origination is missing from the loan file. | ||
| 61082415 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | initial escrow account disclosure is missing from the loan file. | ||
| 61082415 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Mississippi | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | Right of rescission is missing from the loan file. | ||
| 61082415 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Non-QM | QC Complete | Mississippi | xx | Credit | Credit | Active | 3: Curable | * Lost Note Affidavit (Lvl 3) | The Affidavit of lost note was found at location "xx"(dated xx/xx/xxxx) indicating the original note was lost or misplaced; However, the true and correct copy of the original note attached to the same file. | ||
| 32252285 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in Illinois state. The state disclosure missing from the loan file are: As per review below state disclosures are missing from loan file, IL Collateral Protection Insurance Notice, Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application. | ||
| 32252285 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | As per review List Of Service Providers is missing from loan file. | ||
| 32252285 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Credit | DTI | Active | 2: Acceptable with Warnings | * DTI > 60% (Lvl 2) | As per xxxx dated xx/xx/xxxx, the total monthly income is in the amount of $xxxx.xx and the total monthly expenses is in the amount of $xxxx.xx hence, DTI is exceeding xx%. | ||
| 32252285 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file. | ||
| 32252285 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | As per review affiliated business disclosure is missing from file. | ||
| 75826237 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. | ||
| 75826237 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. | ||
| 75826237 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | Subject property is located at NJ state. Following state disclosure is missing from the loan file. :- x) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application. |
||
| 75826237 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service provider is missing from the loan file. | ||
| 75826237 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form Disclosure is missing from the loan file. | ||
| 75826237 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. Loan data is $xxx.xx which is comparison with $x.xx and variance is +$xxx.xx Fees include :- Loan Origination Fee -$xxx.xx Commitment Fee - $xxx.xx Notice of Settlemen - t $xx.xx |
||
| 94194444 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing Transfer is missing from the loan file. | ||
| 94194444 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service Providers is missing from the loan file. | ||
| 94194444 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. | ||
| 94194444 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the first lien prohibited fees test. The loan has fees that are prohibited for this license type. Prohibited Fees First Lien Test: FAIL Loan Data: $xxx.xx Comparison Data: $x.xx Variance: +$xxx.xx. This loan failed the broker fees test. The loan has DIDMCA preemption selected, collects fees from the borrower that directly compensate the broker and the sum of all broker fees is greater than x%. Origination Fee & Broker Fee Test: FAIL Loan Data: $x,xxx.xx Comparison Data: $x,xxx.xx Variance: +$x,xxx.xx. This loan failed the origination fee and broker fee test. The loan does not have DIDMCA preemption selected and the sum of the origination fee and all broker fees is greater than x%. This loan failed broker fees Test : Loan Data: $x,xxx.xx Comparison Data: $x.xx Variance: +$x,xxx.xx |
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| 94194444 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure is missing from the loan file | ||
| 94194444 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Prohibited Fees First Lien Test: FAIL Loan Data: $xxx.xx Comparison Data: $x.xx Variance: +$xxx.xx. Origination Fee & Broker Fee Test: FAIL Loan Data: $x,xxx.xx Comparison Data: $x,xxx.xx Variance: +$x,xxx.xx. This loan failed the first lien prohibited fees test. This loan failed the origination fee and broker fee test. This loan failed the broker fees test. |
||
| 94194444 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The Subject property is located in Missouri (MO) state. The below Required State disclosures are missing in the given loan files. x] MO Collateral Protection Act Notice. x] Borrower's Choice of Insurer orAgent. |
||
| 94194444 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit Report missing from loan file. | ||
| 50710462 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. | ||
| 50710462 | xx | xx | xx | bbe82b12-eddd-4a07-9e0d-03ad80095bd9 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Not Signed by All Borrowers (Lvl 2) | Income section is missing from the Final application. | ||
| 50710462 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | Following state disclosure are missing from the loan file which are required for New York State: NY Consumer Credit Disclosure / Fair Credit Reporting Notice NY Interest Rate Disclosure Mortgage Bankers and Exempt Organizations Pre application Co-Signer Notice Requirements Default Warning Notice Commitment Disclosure Expiration of Lock-in or Commitment Period |
||
| 50710462 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Income section is missing from the Final application. | ||
| 50710462 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service Providers Disclosure is missing from the loan file. | ||
| 82784688 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business form is missing from the loan file. | ||
| 82784688 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing transfer missing from the loan file. | ||
| 82784688 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct disclosure is missing from the loan file. | ||
| 82784688 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Missing the Appraisal report at the time of origination from the loan file. | ||
| 82784688 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | The Initial and Final xxxx is missing from the loan file. | ||
| 82784688 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service provider is missing from the loan file. | ||
| 82784688 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | The ROR was missing from the file. | ||
| 82784688 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x is missing from the file. An estimated HUD-x/Fee itemization are also not available in the file. | ||
| 82784688 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | The Final TIL is missing from the file. | ||
| 5417178 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | The Loan program disclosure document is missing in the given loan file. | ||
| 5417178 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The Notice of servicing Transfer document is missing in the given loan file. | ||
| 5417178 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file. | ||
| 5417178 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in New York State. The state disclosures missing from the loan file are: NY Consumer Credit Disclosure / Fair Credit Reporting Notice, NY Interest Rate Disclosure, NY Hazard Insurance Disclosure, Tax Escrow Account Designation, Mortgage Bankers and Exempt Organizations Pre-application, Part xx DisclosureAlternative Mortgage Transaction Disclosures, Co-Signer Notice Requirements, Default Warning Notice, Smoke Alarm AffidavitNew York Real Property Escrow Account Disclosure, Subprime Home Loan Counseling Disclosure, Subprime Home Loan Tax and Insurance Payment Disclosure, Subprime Home Loan Disclosure, Commitment Disclosure, Lock-in Disclosure, Expiration of Lock-in or Commitment Period. | ||
| 39963388 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The Affiliated Business Disclosure is missing from the loan file. | ||
| 39963388 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in the Massachusetts state. The following state disclosures are missing from the loan file: x.Lead-Based Paint Disclosure x.Mortgage Loan Application Disclosure x.Carbon Monoxide Alarms x.MA Smoke Detector Certificate x.Notice of the Specific Reason for Denial of Credit x.Demonstration and Documentation of Compliance with Borrower’s Interest Requirement |
||
| 39963388 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of services providers is missing from the loan file. | ||
| 46614679 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 46614679 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. | ||
| 46614679 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The List of Service Provider Disclosure is missing from the loan file. | ||
| 46614679 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The Initial Escrow Account Disclosure is missing from the loan file. | ||
| 46614679 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The Servicing Transfer disclosure is missing from the loan file. | ||
| 46614679 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The property is located in state of Florida. The following required State Disclosure is missing in the loan file. x. Anti-Coercion Notice x.Radon Gas Disclosure x.Insurance Sales Disclosure |
||
| 46614679 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA APR test | ||
| 46614679 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit Report missing from loan file. | ||
| 46614679 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The Affiliated Business Disclosure is missing from the loan file. | ||
| 99421435 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | Loan Program Disclosure is missing from the loan file. | ||
| 99421435 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business disclosure is missing from the loan file. | ||
| 99421435 | xx | xx | xx | 40732d41-ff63-42f7-90be-34db1148c008 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) | Operative Index numerical value unavailable based on loan documents. | ||
| 99421435 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The List of Service Providers is missing from the loan file. | ||
| 99421435 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located at "California" state which requires following disclosures and all are missing from the loan file. x) Impound Account Disclosure. x) Cosigner Notice. x) Private Mortgage Insurance Disclosure. x) Hazard Insurance Disclosure. x) Insurer RecommendationDisclosure. x) Anti-Tying Disclosure. x) Privacy Notice. x) Notice of Right to Copy of Appraisal. x) Application for Credit-Married Persons. xx) Fair Debt Collection Notice. xx) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application. |
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| 99421435 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | * Settlement date is different from note date (Lvl 2) | The settlement date according to the final HUD x (xx/xx/xxxx) is different from the Note date (xx/xx/xxxx). | ||
| 24366946 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit Report missing from loan file. | ||
| 24366946 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The Affiliated Business Disclosure is missing from the loan file. | ||
| 24366946 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | * Settlement date is different from note date (Lvl 2) | The settlement date is xx/xx/xxxx. However the HUD-x shows that it is xx/xx/xxxx. | ||
| 24366946 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The property is located in state of Texas. The following required State Disclosure is missing in the loan file. x.TX Loan Agreement Notice x.Commitment Requirement/Anti-Tying x.TILA Disclosures in Spanish x.Home Equity Consumer Disclosure x.Home Equity Loan Interest and Fees Preclosing Disclosure x.Home Equity Loan Copies of Documents x.Home Equity Loan Rescission Notice x.Fair Market Value of Homestead Property Acknowledgment x.Home Equity Loan Notice of Address for Borrower Notification of Violation xx.Choice of Insurance Notice xx.Collateral Protection Insurance Disclosure xx.Non-Deposit Investment Product Disclosure Are there any promotional materials? xx.Insurance Solicitation/Post Commitment Requirement xx.Construction Loan Disclosure |
||
| 24366946 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The List of Service Provider Disclosure is missing from the loan file. | ||
| 24366946 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The Servicing Transfer disclosure is missing from the loan file. | ||
| 7239882 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial acct escrow disclosure is missing from the loan file. | ||
| 7239882 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The following disclosures are missing from the loan files, NJ Application Disclosure, Delivery Fee Authorization, NJ Attorney Disclosure, Unacceptability of Insurance Notice, Attorney Disclosure II, Tax Bill Information, Private Well Testing, Lock-In Agreement, Commitment Disclosures, Choice of Insurer Disclosure and Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application. | ||
| 7239882 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. | ||
| 7239882 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of service transfer disclosure is missing from the loan file. | ||
| 7239882 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 7239882 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. | ||
| 7239882 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service transfer disclosure is missing from the loan file. | ||
| 7239882 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final loan application /xxxx is missing from the loan file. | ||
| 7239882 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x along with itemization and estimated HUD are missing from the loan file. | ||
| 54221748 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Louisiana | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The Initial Escrow Account disclosure document is missing from the loan file. | ||
| 54221748 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Louisiana | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The Subject property is located in Louisiana state. The below Required State disclosures are missing in the given loan file. x.Authorization Fees, Charges and Expenses for Federally Related Mortgage Loans x.Anti-Tying Disclosure x.Financial Institution Choice of Insurance Disclosure |
||
| 79279920 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required affiliated business disclosure is missing from the loan file. | ||
| 79279920 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | Following are the required state disclosure missing from the loan file; Commitment Requirement/Anti-Tying TILA Disclosures in Spanish Home Equity Consumer Disclosure Home Equity Loan Interest and Fees Preclosing Disclosure Home Equity Loan Copies of Documents Home Equity Loan Rescission Notice Fair Market Value of Homestead Property Acknowledgment Home Equity Loan Notice of Address for Borrower Notification of Violation Collateral Protection Insurance Disclosure Non-Deposit Investment Product Disclosure Are there any promotional materials? Insurance Solicitation/Post Commitment Requirement |
||
| 79279920 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. | ||
| 79279920 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. | ||
| 79279920 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. | ||
| 47329965 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand dated by the borrower. | ||
| 47329965 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The list of service providers is missing in the loan files. | ||
| 47329965 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The CE risk indicator is moderate as This loan failed the interest rate test and brokerage/finder fee test. | ||
| 47329965 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final application is missing from the loan files. | ||
| 47329965 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the interest rate test. The loan has an interest rate that does not conform to the requirements for the lender's license type in the state where the property is located. This loan failed the brokerage/finder fee test. (Tenn. Comp. R. & Regs. xxxx-xx-xx(x)) The mortgage loan charges a brokerage/finder fee that exceeds x% of the total loan amount. Under the Tennessee Rules and Regulations, brokerage fee is synonymous with finder fee. |
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| 47329965 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The required TN state disclosures are missing from the loan files. Placement of Insurance Disclosure Availability of Title Insurance TN Consent to Disclosure of Insurance Information Choice of Agent/insure Insurance Solicitation/Post Commitment." |
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| 47329965 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The Affiliated business disclosure is missing in the loan files. | ||
| 47329965 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * TIL not hand dated (Lvl 2) | Final TIL is not hand dated by the borrower. | ||
| 47329965 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | credit report missing in loan file. | ||
| 47329965 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The service transfer disclosure is missing in the loan files. | ||
| 20389014 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. | ||
| 20389014 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand dated by borrower. | ||
| 20389014 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service Providers disclosure is missing from the loan file. | ||
| 20389014 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | credit report missing in loan file. | ||
| 20389014 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase Risk Indicator is Moderate due to loan failed the first lien prohibited fees test | ||
| 20389014 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final Application is missing from the loan file. | ||
| 20389014 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the first lien prohibited fees test. Loan data is $x,xxx.xx, Comparison data is $x.xx and variance is +$x,xxx.xx | ||
| 19162608 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * TIL not hand dated (Lvl 2) | Final TIL is not hand dated by borrowers. | ||
| 19162608 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow acct disclosure is missing from the loan file. | ||
| 19162608 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The affiliated business form disclosure is missing from the loan file. | ||
| 19162608 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final application is missing from the loan file. | ||
| 19162608 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | The operative index value source could not be found in the loan file. | ||
| 63280678 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA APR test The annual percentage rate (APR) is xx.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. This loan failed the late fees test. The loan has late fees that do not conform to the requirements for the lender's license type in the state where the property is located. This loan failed the prepayment term test. The loan has a prepayment term that does not conform to the requirements for the lender's license type in the state where the property is located. |
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| 63280678 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The list of service provider document is missing from the loan file. | ||
| 63280678 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | LTV is xx% which is greater than xx%, hence MI certificate is required; however, it is missing from the loan file. | ||
| 63280678 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | The final application is missing from the loan file. | ||
| 63280678 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. | ||
| 63280678 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The notice of servicing transfer disclosure is missing from the loan file. | ||
| 63280678 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. | ||
| 63280678 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | The final TIL is missing from the loan file. | ||
| 63280678 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | credit report missing in loan file. | ||
| 63280678 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. | ||
| 63280678 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test : loan data x.xxx%, Comparison data xx.xxx%, Variance-xx.xxx%. | ||
| 63280678 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the late fees test : loan data x.xxx% Comaprison data x.xxx% Variance +x.xxx% This loan failed the prepayment term test : loan data xx Months, Comaprison data x Months, Variance xx Months. |
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| 63280678 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in Texas State. The following required state disclosures are missing from the loan file. x.TX Loan Agreement Notice x.Commitment Requirement/Anti-Tying x.TILA Disclosures in Spanish x.Home Equity Consumer Disclosure x.Home Equity Loan Interest and Fees Preclosing Disclosure x.Home Equity Loan Copies of Documents x.Home Equity Loan Rescission Notice x.Fair Market Value of Homestead Property Acknowledgment x.Home Equity Loan Notice of Address for Borrower Notification of Violation xx.Choice of Insurance Notice xx.Collateral Protection Insurance Disclosure xx.Non-Deposit Investment Product Disclosure Are there any promotional materials? xx.Insurance Solicitation/Post Commitment Requirement |
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| 63280678 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issues | Active | 3: Curable | * Not all borrowers signed HUD (Lvl 3) | The final HUD-x is available in the loan file; however, it is not signed by borrower. | ||
| 85660488 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service Providers disclosure is missing form the loan file. | ||
| 85660488 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal Report is missing from the loan file. | ||
| 85660488 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing Transfer disclosure is missing form the loan file. | ||
| 85660488 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing form the loan file. | ||
| 85660488 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final application is missing from the loan file. | ||
| 85660488 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in New York state. Following state disclosure are missing from the loan file, which are required in NY state. x) NY Consumer Credit Disclosure / Fair Credit Reporting Notice x) NY Interest Rate Disclosure x) NY Hazard Insurance Disclosure x) Tax Escrow Account Designation x) Mortgage Bankers and Exempt Organizations Pre application x) Lock-in Disclosure x) Expiration of Lock-in or Commitment Period x) New York Real Property Escrow Account Disclosure x) Commitment Disclosure |
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| 85660488 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x/settlement statement along with estimated HUD-x / itemization of fees are missing from the loan file. | ||
| 85660488 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business form disclosure is missing form the loan file. | ||
| 12049549 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | TILA Finance Charge Test is failed as loan data is $xx and comparison data is $xxx,xxx.xx with variance of -$xx,xxx.xx | ||
| 12049549 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from loan files. | ||
| 12049549 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The list of service provider document is missing from the loan file. | ||
| 12049549 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. | ||
| 12049549 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | credit report missing in loan file. | ||
| 12049549 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA finance charge test. The finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate because it is understated by more than $xxx. |
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| 12049549 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | DTI | Active | 2: Acceptable with Warnings | * DTI > 60% (Lvl 2) | Debt to Income ratio (DTI) is xx% which is greater than xx% however we require it below xx% | ||
| 12049549 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | This is a conventional loan type. The appraisal value is $xx and the sales price is $xx. However, the LTV and CLTV exceed xx% which is greater than xx%.MI is required but missing from loan the files. | ||
| 12049549 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in New York State. The following state disclosures are missing from the loan file. x.NY Consumer Credit Disclosure / Fair Credit Reporting Notice x.NY Interest Rate Disclosure x.NY Hazard Insurance Disclosure x.Tax Escrow Account Designation x.Mortgage Bankers and Exempt Organizations Preapplication x.Part xx Disclosure x.Alternative Mortgage Transaction Disclosures x.Co-Signer Notice Requirements x.Default Warning Notice xx.Smoke Alarm Affidavit xx.New York Real Property Escrow Account Disclosure xx.Subprime Home Loan Counseling Disclosure xx.Subprime Home Loan Tax and Insurance Payment Disclosure xx.Subprime Home Loan Disclosure xx.Commitment Disclosure xx.Lock-in Disclosure xx.Expiration of Lock-in or Commitment Period |
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| 12049549 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-x is not signed by all borrowers. However, the point and fees are updated by as per itemization located at “xx“ and lender closing instruction located at “xx”. | ||
| 48677946 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * TIL not hand dated (Lvl 2) | Finals TIL is not hand dated by the borrower. | ||
| 48677946 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. Prohibited Fees Test: FAIL loan data: $xxx.xx comparison data$x.xx variance:+$xxx.xx The loan does charge fee(s) not provided for in this act, which is prohibited. A person licensed as a mortgage broker shall have the right to charge only the following fees: (x) application fee; and (x) discount points which may be labeled as an origination fee. |
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| 48677946 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | CE Risk Indicator is "Moderate" as This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. Prohibited Fees Test: FAIL loan data: $xxx.xx comparison data$x.xx variance:+$xxx.xx |
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| 58052412 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Hawaii | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan file. | ||
| 58052412 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | TILA Finance Charge Test: FAIL, Loan Data: $xxx,xxx.xx, Comparison Data: $xxx,xxx.xx and Variance: -$xxx.xx. This loan failed the TILA finance charge test.( xx CFR §xxxx.xx(d)(x) , transferred from xx CFR §xxx.xx(d)(x) ) The finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate because it is understated by more than $xxx. TILA Foreclosure Rescission Finance Charge Test: FAIL, Loan Data: $xxx,xxx.xx, Comparison Data: $xxx,xxx.xx and Variance: -$xxx.xx. This loan failed the TILA foreclosure rescission finance charge test. ( xx CFR §xxxx.xx(h) , transferred from xx CFR §xxx.xx(h) ) The finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate for purposes of rescission because it is understated by more than $xx. |
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| 58052412 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in Hawaii State. The below required state disclosure is missing from the loan file: x. Reciprocal Beneficiary/ Civil Union Addendum to Uniform Residential Loan Application. |
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| 58052412 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | Hawaii | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | * Settlement date is different from note date (Lvl 2) | According to the HUD-x, the settlement date is xx/xx/xxxx; however, the loan origination date is xx/xx/xxxx. | ||
| 58052412 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service Providers is missing from the loan file. | ||
| 58052412 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. | ||
| 58052412 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA finance charge test. This loan failed the TILA foreclosure rescission finance charge test. |
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| 27714665 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The List of service provider document is missing from the loan file. | ||
| 27714665 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | The Right Of Rescission document is missing from the loan file. | ||
| 27714665 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in Maryland State. However, following disclosure is missing from the loan file. x.Affidavit of Consideration x.Affidavit of Disbursement x.First Time Buyers Affidavit x.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure x.Balloon Payment x.No Escrow Account x.Mandatory Binding Arbitration Disclosures x.Home Buyer Education and Counseling Disclosure |
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| 27714665 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. | ||
| 27714665 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | DTI | Active | 2: Acceptable with Warnings | * DTI > 60% (Lvl 2) | As per application the total monthly income of borrower is $x,xxx.xx and total monthly expenses are in the amount of $xx,xxx.xx.Hence, DTI>xx%. | ||
| 27714665 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL document is missing from the loan file. | ||
| 27714665 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-x (Settlement Statement) along with Estimated HUD or itemization is missing from the loan file. | ||
| 4843187 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | QM-Trid | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | Below state disclosures are missing from the loan file. x. Affidavit of Consideration x. Affidavit of Disbursement |
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| 4843187 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-Trid | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. | ||
| 4843187 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-Trid | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan file. | ||
| 4843187 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | QM-Trid | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service provider disclosure is missing from the loan file. | ||
| 4843187 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-Trid | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID Violation due to a fee increase on CD dated xx/xx/xxxx. LE dated xx/xx/xxxx reflects a Origination Points at $x,xxx.xx, however, Initial CD dated xx/xx/xxxx reflects the Origination Points at $x,xxx.xx. This is a fee increase of xxx.xx for a Non-Shoppable Fee which exceeds the x% tolerance for Non-Shoppable Fees. | ||
| 4843187 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-Trid | QC Complete | Maryland | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Initial Closing Disclosure is dated xx/xx/xxxx and Final Closing Disclosure is dated xx/xx/xxxx which is less than x days. | ||
| 4843187 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-Trid | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | The subject loan is VA but MI Certificate is missing from the loan file. | ||
| 91602793 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | Loan Program disclosure is missing from the loan file. | ||
| 91602793 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test. TILA APR Test: Result: FAIL; Loan Data: x.xxx%; Comparison Data: x.xxx%; Variance: -x.xxx%. The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. The loan failed the allowable points and fees test. The points and fees charged to the borrower exceed the greater of x% of the mortgage amount or $x,xxx. GSE (Freddie Mac public guidelines) Points and Fees Test: Result: FAIL; Loan Data: $xx,xxx.xx; Comparison Data: $xx,xxx.xx; Variance: +$xxx.xx. |
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| 91602793 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure is missing from the loan file. | ||
| 91602793 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 91602793 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | * Settlement date is different from note date (Lvl 2) | The subject mortgage was originated on xx/xx/xxxx. However, as per final HUD-x, the settlement date is xx/xx/xxxx. | ||
| 91602793 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. | ||
| 91602793 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final Loan Application is missing from the loan file. | ||
| 91602793 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Services Providers is missing from the loan file. | ||
| 91602793 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | California | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. | ||
| 91602793 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in California State. The following state disclosures are missing from the loan files: ·Impound Account Disclosure ·Cosigner Notice ·Private Mortgage Insurance Disclosure ·Earthquake Disclosure for condominiums ·Hazard Insurance Disclosure ·Insurer RecommendationDisclosure ·CA Fair Lending Notice ·Anti-Tying Disclosure ·Privacy Notice ·Notice of Right to Copy of Appraisal ·Application for Credit-Married Persons ·Fair Debt Collection Notice ·Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application. |
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| 91602793 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Disclosure is missing from the loan file. | ||
| 91602793 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | Operative index value is unable to confirm as supportive document is missing from the loan file. | ||
| 91602793 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | Right of rescission is missing from the loan file. | ||
| 91602793 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA APR test. This loan failed the predatory lending guidance test. This loan failed the points and fees test. |
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| 37936527 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA APR test. | ||
| 37936527 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The notice of servicing transfer disclosure is missing from the loan file. | ||
| 37936527 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | California | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. | ||
| 37936527 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. | ||
| 37936527 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test. The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. The loan data is x.xxx% and comparison data is x.xxx%; hence, the variance is -x.xxx%. |
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| 37936527 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. | ||
| 37936527 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 10205761 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test. Loan Data x.xxx% Comparison Data x.xxx% Variance-x.xxx% | ||
| 10205761 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final Application is missing from the loan file. | ||
| 10205761 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Servicing Providers disclosure is missing from the loan file. | ||
| 10205761 | xx | xx | xx | 6d175d99-f2e3-4d75-80a0-682f8b85b1ea | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Truth in Lending Disclosure is Missing (Lvl 2) | Initial TIL is missing from the loan file. | ||
| 10205761 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow account disclosure is missing from the loan file. | ||
| 10205761 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | The subject loan is a FHA loan but MI certificate is missing from the loan file. | ||
| 10205761 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan file. | ||
| 10205761 | xx | xx | xx | e99b279c-a3fe-4039-91dc-3f33c0f684d9 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Good Faith Estimate is Missing (Lvl 2) | Initial GFE is missing from the loan file. | ||
| 10205761 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated business disclosure is missing from the loan file. | ||
| 10205761 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 10205761 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. | ||
| 10205761 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Good Faith Estimate missing or unexecuted (Lvl 2) | Final GFE is missing from the loan file. | ||
| 10205761 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | Following state disclosures are missing from the loan file. Affidavit of Consideration Affidavit of Disbursement First Time Buyers Affidavit Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure Balloon Payment No Escrow Account Mandatory Binding Arbitration Disclosures Home Buyer Education and Counseling Disclosure |
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| 10205761 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase Risk Indicator is moderate due to loan failed the TILA APR test. | ||
| 66363601 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in the State of Oklahoma. The following Required State Disclosure is missing from the loan file: - Notice of Rights to Obtain a Security Freeze. |
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| 66363601 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Oklahoma | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * HUD-1 Closing Statement missing or unsigned (Lvl 2) | The Final HUD x provided in the file is executed however the first page has blured images/figures. | ||
| 66363601 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Oklahoma | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The notice of service transfer missing from the loan file. | ||
| 32611490 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Compliance Risk Indicator is Moderate due to failing the TILA finance charge test and the bona fide discount points test. | ||
| 32611490 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test. The finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate because it is understated by more than $xxx. TILA Finance Charge Test: Loan Data $xxx,xxx.xx; Comparison Data $xxx,xxx.xx; Variance of -$xxx.xx. |
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| 32611490 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Valuation | Property | Active | 2: Acceptable with Warnings | * Property is Manufactured Housing (Lvl 2) | The Subject Property is a Manufactured Home. As per the Affixture Affidavit located at “xx” which recorded on xx/xx/xxxx with Book# / Page# xx, the VIN number xx was found which confirms that the property is affixed. The Final title policy also shows Alta Endorsement Form x in it. The Mortgage at origination includes Collateral of a xxxx Cavalier manufactured home Serial Number xx and states the property address is xx. | ||
| 32611490 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in the State of North Carolina. The following state disclosures are missing from the loan file: - Credit Property Insurance Disclosure - Fee Agreement - Priority of Security Instrument Disclosure - Attorney Selection Disclosure |
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| 32611490 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the bona fide discount points test. Unable to verify if the Discount Points charged at origination were actually bona fide and reduced the interest rate. The loan is a first lien mortgage and has a principal amount that is greater than or equal to $xx,xxx and charges discount points that are not paid for the purpose of reducing, and do not in fact result in a bona fide reduction of the interest rate. Points are treated as paid for the purpose of reducing, and in fact result in a bona fide reduction of the interest rate, if they are marked as "Bona Fide - State". "Bona Fide Discount Points Test: FAIL |
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| 32611490 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | North Carolina | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The Initial Escrow Account Disclosure is missing from the loan file. | ||
| 73113247 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | * Settlement date is different from note date (Lvl 2) | The subject mortgage was originated on xx/xx/xxxx. As per final HUD-x, the settlement date is xx/xx/xxxx which is different from note date. | ||
| 73113247 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. | ||
| 73113247 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service providers document is missing from the loan file. | ||
| 73113247 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in Florida, However, the following state disclosures are missing from the loan file. x.Anti-Coercion Notice(xx) x.Title Insurance Disclosure x.Radon Gas Disclosure x.Insurance Sales Disclosure |
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| 73113247 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Credit | Credit | Active | 3: Curable | * Lost Note Affidavit (Lvl 3) | The lost note affidavit has been found in the loan file located at “xx”, which states that the original note has been misplaced or destroyed. However, the duplicate copy of the note is available in the loan file. | ||
| 79340806 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final loan application /xxxx is missing from the loan file. | ||
| 79340806 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase risk indicator is Moderate due to TILA failed for Finance Charge Test, Rescission Finance Charge Test and APR Test. | ||
| 79340806 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow acct disclosure is missing from the loan file. | ||
| 79340806 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The affiliated business form disclosure is missing from the loan file. | ||
| 79340806 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | ComplianceEase TILA Test failed due to Finance Charge Test. As per loan data Finance Charge is $xx,xxx.xx. However, comparison data is $xx,xxx.xx and variance is -$xx,xxx.xx. ComplianceEase TILA Test failed due to Foreclosure Rescission Finance Charge Test. As per loan data Foreclosure Rescission Finance Charge is $xx,xxx.xx. However, comparison data is $xx,xxx.xx and variance is -$xx,xxx.xx. ComplianceEase TILA Test failed due to APR Test. As per loan data APR is x.xxx%. However, comparison data is x.xxx% and variance is -x.xxx%. |
||
| 79340806 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The following state disclosures are missing from the loan file. x. Affidavit of Consideration, x. Affidavit of Disbursement, x. First Time Buyers Affidavit, x. Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure, x. Balloon Payment, x. No Escrow Account, x. Mandatory Binding Arbitration Disclosures |
||
| 79340806 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The list of service providers disclosure is missing from the loan file. | ||
| 78401450 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit Report is Missing | ||
| 78401450 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The property is located in MD state. The following required state disclosures are missing from the loan file: Affidavit of Consideration Affidavit of Disbursement Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure. No Escrow Account Mandatory Binding Arbitration Disclosures Home Buyer Education and Counseling Disclosure |
||
| 78401450 | xx | xx | xx | b06dde1c-905f-4404-a416-ae2c918d0fa1 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Title Policy | Active | 3: Curable | * Missing Final Title Policy with applicable Alta endorsements. (i.e., Alta 8.1, 9) (Lvl 3) | The Final Title Policy provided in the file reflects the Date of Policy is xx/xx/xxxx however per the Note, the loan origination date is xx/xx/xxxx. The Agent however acknowledged the policy at the bottom of the page with Schedule A with a signature and correct date of xx/xx/xxxx. | ||
| 95787313 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed TILA Finance Charge Test, TILA Foreclosure Rescission Finance Charge Test: Loan Data:$xx,xxx.xx Comparison Data:$xx,xxx.xx Variance:$xxx.xx | ||
| 95787313 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Credit | DTI | Active | 2: Acceptable with Warnings | * DTI > 60% (Lvl 2) | According to final xxxx, the total monthly income of the borrower is $x,xxx.xx; However, the total monthly expenses(Post-Close) are in the amount of $x,xxx.xx. Hence, the DTI exceeds xx%. | ||
| 95787313 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Tennessee | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed TILA Finance Charge Test, TILA Foreclosure Rescission Finance Charge Test. | ||
| 79840105 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed TILA APR Test: FAIL, Loan Data: x.xxx%, Comparison:x.xxx% and Variance:-x.xxx%. This loan failed the TILA APR test. ( xx CFR §xxxx.xx(a)(x), (x) , transferred from xx CFR §xxx.xx(a)(x), (x) ) The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. |
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| 79840105 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow acct. disclosure is missing from the loan file. | ||
| 79840105 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA APR test. | ||
| 79840105 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The Subject property has been located in Illinois State. The below required state disclosures are missing from the given loan file: x] IL Collateral Protection Insurance Notice. x] Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application. |
||
| 79840105 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service providers disclosure is missing from the loan file. | ||
| 79840105 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 79840105 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer is missing from the loan file. | ||
| 79840105 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | PMI certificate is missing from the loan file. | ||
| 79840105 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. | ||
| 35074983 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | Unable to determine the operative index value source from the loan file. | ||
| 35074983 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | Washington | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | * Settlement date is different from note date (Lvl 2) | As per HUD-x, the settlement date is xx/xx/xxxx, which is not aligned with the note date xx/xx/xxxx. | ||
| 35074983 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Washington | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. | ||
| 35074983 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | Non-QM | QC Complete | Washington | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The list of service providers disclosure is missing from the loan file. | ||
| 35074983 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The following state disclosures are missing from the loan file. x. Construction Lien Disclosure, x. Mortgage Loan Servicing Disclosure. x. Choice of Insurance Notice. x. Purchase Money Residential Mortgage Loan Closing Valuation Disclosure. x. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application. |
||
| 35074983 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Washington | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. | ||
| 35074983 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Non-QM | QC Complete | Washington | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand dated by borrower. | ||
| 6601110 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated Business Arrangement Disclosure is missing from the loan file. | ||
| 6601110 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | The final application is available in the loan file located at “xx”; however, the first page is missing from the final application. | ||
| 6601110 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | Required List of service providers is missing from the loan file. | ||
| 2898967 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | Unable to calculate operative index from the loan file. | ||
| 2898967 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The following state disclosures are missing from the loan file. Impound Account Disclosure, Cosigner Notice, Private Mortgage Insurance Disclosure, Earthquake Disclosure forCondominiums, Insurer RecommendationDisclosure, CA Fair Lending Notice, Anti-Tying Disclosure, Fair Debt Collection Notice. |
||
| 2898967 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issues | Active | 3: Curable | * Not all borrowers signed HUD (Lvl 3) | Final HUD-x is not signed by the borrower. | ||
| 2898967 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | * Settlement date is different from note date (Lvl 2) | According to final HUD-x, the settlement date is xx/xx/xxxx. However, original note date is xx/xx/xxxx. | ||
| 2898967 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. | ||
| 2898967 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | Non-QM | QC Complete | California | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The list of service providers disclosure is missing from the loan file. | ||
| 25380964 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The CE failed for TILA APR Test: FAIL | ||
| 25380964 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service Providers is missing from the loan file. | ||
| 25380964 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | Right of Rescission is missing from the loan file. | ||
| 25380964 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in Maryland State. The following required state disclosures are missing from the loan file. x.Affidavit of Consideration x.Affidavit of Disbursement x.First Time Buyers Affidavit x.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure x.Balloon Payment x.No Escrow Account x.Mandatory Binding Arbitration Disclosures x.Home Buyer Education and Counseling Disclosure |
||
| 25380964 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | TILA APR Test: FAIL Loan Data : x.xxx% Comparison Data : x.xxx% Variance : -x.xxx% This loan failed the TILA APR test. The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. |
||
| 25380964 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. | ||
| 25380964 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 35368715 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final application is missing from the loan file. | ||
| 35368715 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. | ||
| 35368715 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The Subject property is located in Missouri (MO) state. The below Required State disclosures are missing in the given loan files. x] MO Collateral Protection Act Notice. x] Borrowers Choice of Insurer orAgent. |
||
| 35368715 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 35368715 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. | ||
| 35368715 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service providers is missing from the loan file. | ||
| 35368715 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow is missing from the loan file. | ||
| 35368715 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. | ||
| 35368715 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA APR test and TILA Right of Rescission test. | ||
| 35368715 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed TILA APR Test: Loan Data:x.xxx% Comparison:x.xxx% Variance:-x.xxx% This loan failed the TILA APR test. ( xx CFR §xxxx.xx(a)(x), (x) , transferred from xx CFR §xxx.xx(a)(x), (x) ) The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. This loan failed the TILA right of rescission test. Closed-end ( xx CFR §xxxx.xx(a)(x) , transferred from xx CFR §xxx.xx(a)(x) ), Open-end ( xx CFR §xxxx.xx(a)(x) , transferred from xx CFR §xxx.xx(a)(x) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by xx CFR §xxxx.xx or §xxxx.xx, or delivery of all material disclosures, whichever occurs last. |
||
| 35368715 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | Missouri | xx | Compliance | Doc Issues | Active | 3: Curable | * Not all borrowers signed HUD (Lvl 3) | Final HUD-x is not signed by the borrowers. | ||
| 62272686 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The service providers list is missing from the loan file. | ||
| 62272686 | xx | xx | xx | 40732d41-ff63-42f7-90be-34db1148c008 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) | The operative index is unavailable from the documents provided. | ||
| 62272686 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. | ||
| 16894221 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required Affiliated Business Disclosure missing from the loan file. | ||
| 16894221 | xx | xx | xx | 6d175d99-f2e3-4d75-80a0-682f8b85b1ea | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Truth in Lending Disclosure is Missing (Lvl 2) | Initial TIL is missing from the loan file. | ||
| 16894221 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service Providers is missing from the loan file. | ||
| 42359944 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. | ||
| 42359944 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan file. | ||
| 42359944 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final xxxx is missing from the loan file. | ||
| 42359944 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. | ||
| 42359944 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 42359944 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service providers is missing from the loan file. | ||
| 42359944 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. | ||
| 42359944 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in MA State. The following state disclosures are missing in the loan files. Lead-Based Paint Disclosure Mortgage Loan Application Disclosure Carbon Monoxide Alarms MA Smoke Detector Certificate Notice of the Specific Reason for Denial of Credit Demonstration and Documentation of Compliance with Borrower’s Interest Requirement |
||
| 42359944 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. | ||
| 42359944 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x is missing from the loan file along with estimated hud-x and itemization. | ||
| 99409310 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. | ||
| 99409310 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x is missing from the loan file. However, estimated HUD-x and itemization is missing from the loan file. | ||
| 99409310 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. | ||
| 99409310 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final application is missing from the loan file. | ||
| 99409310 | xx | xx | xx | 40732d41-ff63-42f7-90be-34db1148c008 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) | The subject Note at origination is an Interest Only Adjustable Rate Note. Unable to determine the Operative Index Value used by the lender at origination. | ||
| 99409310 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The affiliated business form disclosure is missing from the loan file. | ||
| 99409310 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The following state disclosures are missing from the loan file. Impound Account Disclosure,Cosigner Notice, Private Mortgage Insurance Disclosure, Earthquake Disclosure forCondominiums, Hazard Insurance Disclosure, Insurer RecommendationDisclosure, CA Fair Lending Notice, Anti-Tying Disclosure, Privacy Notice, Application for Credit-Married Persons, Fair Debt Collection Notice. |
||
| 99409310 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow acct disclosure is missing from the loan file. | ||
| 99409310 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan file. | ||
| 99409310 | xx | xx | xx | 15e9dd75-9881-4b48-bb01-f2eac3e20c1c | xx | xx | xx | Non-QM | QC Complete | California | xx | Credit | Other Disclosures | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The list of service providers disclosure is missing from the loan file. | ||
| 99409310 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | California | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. | ||
| 99409310 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 27558455 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Disclosure is missing from the loan file. | ||
| 27558455 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. | ||
| 27558455 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. | ||
| 27558455 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Services Providers is missing from the loan file. | ||
| 98081671 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed PA License Validation Test. | ||
| 98081671 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | PA License Validation Test: FAIL This loan failed the Pennsylvania license validation test. (PA HB xxxx Section xxxx) The Pennsylvania HB xxxx requires non-exempt mortgage lenders engaged in the business of making mortgage loans to be licensed, effective November xth, xxxx. The Pennsylvania Mortgage Lender License and Pennsylvania Exemption Letter (Mortgage Act) are not available for loans with a closing date before November xth, xxxx |
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| 98081671 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Good Faith Estimate missing or unexecuted (Lvl 2) | The Final Good Faith Estimate is missing from loan file. | ||
| 33919705 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test. Loan data is $xxxxxx.xx which is compared with xxxxxx.xx favor of -$xxx.xx The finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate because it is understated by more than $xxx. This loan failed the TILA foreclosure rescission finance charge test. Loan data is $xxxxxx.xx which is compared with xxxxxx.xx favor of -$xxx.xx The finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate for purposes of rescission because it is understated by more than $xx. |
||
| 33919705 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Minnesota | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Document Disclosure is missing from the loan file. | ||
| 33919705 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Minnesota | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA finance charge test. This loan failed the TILA foreclosure rescission finance charge test. |
||
| 66631843 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand dated by the borrower. | ||
| 66631843 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * TIL not hand dated (Lvl 2) | Final TIL is not hand dated by the borrower. | ||
| 77756306 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | The ROR is missing from the loan file. | ||
| 76233623 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 76233623 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of servicing transfer disclosure is missing from the loan file. | ||
| 76233623 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in New Jersey State. The following disclosures are missing from the loan file: NJ Application Disclosure Delivery Fee Authorization NJ Attorney Disclosure Unacceptability of Insurance Notice Attorney Disclosure II Tax Bill Information Private Well Testing Lock-In Agreement Commitment Disclosures Choice of Insurer Disclosure Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application |
||
| 76233623 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service providers is missing from the loan file. | ||
| 76233623 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. | ||
| 76233623 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. | ||
| 76233623 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | Right of Rescission is missing from the loan file. | ||
| 76233623 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Credit | DTI | Active | 2: Acceptable with Warnings | * DTI > 60% (Lvl 2) | As per the final xxxx application, the income of the borrower is $xxxx.xx. However, the total debt is $x,xxx.xx. Hence, the DTI is xx% which exceeds xx%. | ||
| 76233623 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure is missing from the loan file. | ||
| 76233623 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x along with estimated HUD-x and itemization are missing from the loan file | ||
| 53988264 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit Report missing from loan file. | ||
| 53988264 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | The ROR is missing from the loan file. | ||
| 76658544 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct Disclosure is missing from the loan file. | ||
| 76658544 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit Report missing from loan file. | ||
| 76658544 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service Providers Disclosures is missing from the loan file. | ||
| 76658544 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Disclosure Document is missing from the loan file. | ||
| 76658544 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. | ||
| 76658544 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | TILA Finance Charge Test: Result:FAIL;Loan Data: $xxx,xxx.xx;Comparison Data:$xxx,xxx.xx; Variance: -$xxx.xx. This loan failed the TILA finance charge test.( xx CFR §xxxx.xx(d)(x) , transferred from xx CFR §xxx.xx(d)(x) ) The finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate because it is understated by more than $xxx. |
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| 76658544 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | TILA Finance Charge Test: Result:FAIL;Loan Data: $xxx,xxx.xx;Comparison Data:$xxx,xxx.xx; Variance: -$xxx.xx. | ||
| 87392469 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | This is a conventional loan. LTV at the origination was xx%. The tape data is reflected MI required. Final xxxx reflects monthly MI in the amount of $xx.xx; however, MI certificate is missing in the loan files. | ||
| 54895590 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service provider is missing from the loan file. | ||
| 54895590 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. The loan does charge fee(s) not provided for in this act, which is prohibited. A person licensed as a mortgage broker shall have the right to charge only the following fees: (x) application fee; and (x) discount points which may be labeled as an origination fee. A person licensed as a mortgage banker or correspondent mortgage banker shall have the right to charge only the following fees: x a credit report fee; x appraisal fee; x application fee; x commitment fee; x warehouse fee; x discount points; Prohibited Fees Test: loan data : $xxx.xx, Comparison data : $x.xx, Variance : +$xxx.xx. |
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| 54895590 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business form is missing from the loan file. | ||
| 54895590 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * TIL not hand dated (Lvl 2) | TIL executed by borrower but not hand dated. | ||
| 54895590 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. | ||
| 22633413 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | The Final TIL is missing from the given loan file. | ||
| 22633413 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase risk indicator is moderate as the loan is failing for TILA APR Test. | ||
| 22633413 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test as; TILA APR Test: FAIL x.xxx% x.xxx% -x.xxx% The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. |
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| 22633413 | xx | xx | xx | 9de3b1ab-eef9-4104-9298-668f6bdd5470 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Valuation | Property | Active | 2: Acceptable with Warnings | * Property is Manufactured Housing (Lvl 2) | According to Appraisal report located at “xx” the property type as manufactured home. There is no VIN number mentioned on the legal description of the mortgage. However, the appraisal report shows VIN # xx. There is no affixation affidavit available in loan file. Latest tax report shows separate assessment; however, final policy located at " xx" shows ALTA-x Manufactured housing endorsement attached with policy stating policy cover both land and manufactured housing unit. | ||
| 95109653 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * TIL not hand dated (Lvl 2) | TIL not hand dated by the borrower. | ||
| 95109653 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. | ||
| 74933444 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service of provider is missing from loan file. | ||
| 74933444 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit report is missing from the loan documents. | ||
| 74933444 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is required for ARM loan; however document is missing from loan file. | ||
| 74933444 | xx | xx | xx | 40732d41-ff63-42f7-90be-34db1148c008 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) | Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file. | ||
| 74933444 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in FL State; however, required state disclosure is missing from loan file. Anti-Coercion Notice Insurance Sales Disclosure |
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| 74933444 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing Disclosure is missing from loan file. | ||
| 74933444 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | CE TILA test failed duet to, This loan failed the TILA APR test. The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. |
||
| 74933444 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from loan file. | ||
| 74933444 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. | ||
| 74933444 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | CE risk indicator is moderate due to, TILA APR test. | ||
| 74933444 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from loan file. | ||
| 74933444 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure is missing from loan file. | ||
| 74933444 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final application is missing from loan file. However, values from the initial application doc loc (xx). | ||
| 1159622 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service Providers is missing from loan file. | ||
| 1159622 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | Unable to confirm operative index value from available loan file. | ||
| 1159622 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice Of Servicing TransferDisclosure is missing from the loan file. | ||
| 1159622 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The Subject property is located at Florida State and following required DIsclosures are missing from loan file. Anti-Coercion Notice Insurance Sales Disclosure |
||
| 1159622 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from loan file. | ||
| 1159622 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final Application is missing from the loan file. | ||
| 1159622 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x is missing from loan file and also the estimated HUD-x or Itemization are not available. | ||
| 1159622 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing from loan file. | ||
| 1159622 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from loan file. | ||
| 1159622 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from loan file. | ||
| 1159622 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | Loan Program Disclosure is missing from loan file. | ||
| 28573117 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure document is missing from the loan file. | ||
| 28573117 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Disclosure is missing from the loan file. | ||
| 28573117 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. As Loan Data $x,xxx.xx Comparison Data $x,xxx.xx Variance +$x,xxx.xx and Loan Data $x,xxx.xx Comparison Data $x,xxx.xx Variance +$x,xxx.xx |
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| 28573117 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | Unable to determine the Operative Index value. As per the supportive Documents is missing from the loan file. | ||
| 28573117 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. | ||
| 28573117 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in Florida, However, the following state disclosures are missing from the loan file. x.Anti-Coercion Notice x.Title Insurance Disclosure x.Radon Gas Disclosure x.Insurance Sales Disclosure |
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| 28573117 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | “This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds." | ||
| 28573117 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business form document is missing from the loan file. | ||
| 28573117 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing Transfer document is missing from the loan file. | ||
| 28573117 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service providers document is missing from the loan file. | ||
| 83640593 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Nebraska | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | The final application is missing from the loan file. | ||
| 83640593 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Nebraska | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | An appraisal report is missing from the loan file. | ||
| 83640593 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Nebraska | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The Initial escrow acct disclosure is missing from the loan file. | ||
| 83640593 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Nebraska | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The list of Service Providers Disclosures is missing from the loan file. | ||
| 83640593 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Nebraska | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in the state of Nebraska. The 'Construction Finance Notice' state disclosure is missing from the loan file. | ||
| 83640593 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | Nebraska | xx | Compliance | Doc Issues | Active | 3: Curable | * Not all borrowers signed HUD (Lvl 3) | The final HUD-x is not signed by the borrower. | ||
| 75589699 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The following disclosures are missing from the loan file, x.Affidavit of Consideration x.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure |
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| 75589699 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service providers disclosure is missing from the loan file. | ||
| 75589699 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. | ||
| 75589699 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow acct disclosure is missing from the loan file. | ||
| 92560399 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase risk indicator is moderate as the loan is failing for Connecticut license validation test. | ||
| 92560399 | xx | xx | xx | bbe82b12-eddd-4a07-9e0d-03ad80095bd9 | xx | xx | xx | Non-QM | QC Complete | Connecticut | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Not Signed by All Borrowers (Lvl 2) | Final application is not signed by the borrower. | ||
| 92560399 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | Unable to calculate operative index value from the loan file. | ||
| 92560399 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | Connecticut | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | * Settlement date is different from note date (Lvl 2) | Settlement date is different from note date, settlement date shows xx/xx/xxxx and note date is xx/xx/xxxx. | ||
| 92560399 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | Non-QM | QC Complete | Connecticut | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | This loan failed the Connecticut license validation test. First mortgage lender licenses and secondary mortgage lender licenses in existence on June xxth, xxxx shall be deemed on and after July xst, xxxx, to be a mortgage lender license. As of July x, xxxx the Connecticut First Mortgage Lender License and the Connecticut Second Mortgage Lender License are no longer valid. The Connecticut Mortgage Lender License is available for loans with a closing date before July xst, xxxx. |
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| 92560399 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Connecticut | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final application is not signed by the borrower. | ||
| 21633272 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. | ||
| 21633272 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service provider is missing from the loan file. | ||
| 21633272 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final Application is missing from the loan file. | ||
| 21633272 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | * Settlement date is different from note date (Lvl 2) | As per HUD, Settlement date shows xx/xx/xxxx and note date is xx/xx/xxxx. Hence, settlement date is not aligned with the note date. | ||
| 2913512 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. | ||
| 2913512 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in New Jersey State. The following required state disclosures are missing from the loan file. x.NJ Application Disclosure x.Delivery Fee Authorization x.NJ Attorney Disclosure x.Unacceptability of Insurance Notice x.Attorney Disclosure II x.Tax Bill Information x.Private Well Testing x.Lock-In Agreement x.Commitment Disclosures xx.Choice of Insurer Disclosure xx.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application |
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| 2913512 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | The ROR is missing from the loan file. | ||
| 69498514 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service provider is missing from the loan file. | ||
| 69498514 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The ComplianceEase Risk indicator is 'Moderate' due to TILA finance charge test failed. | ||
| 69498514 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | ComplianceTILA Test Failed due to TILA Finance Charge Test: TILA Finance Charge Test: shows Loan Data $xxx,xxx.xx Comparison Data $xxx,xxx.xx Variance -$x,xxx.xx. The finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate because it is understated by more than $xxx. |
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| 69498514 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business form is missing from the loan file. | ||
| 69498514 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing Transfer document is missing from the loan file. | ||
| 69498514 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | Following are the state disclosure which are missing from the loan file; x.Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application x.IL Collateral Protection Insurance Notice |
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| 69498514 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | The initial Escrow Acct disclosure is missing from the loan file. | ||
| 3496094 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | Unable to determine an operative index value since the supportive documents are missing from the loan file. | ||
| 3496094 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final application is missing from the loan file. | ||
| 3496094 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located at Kentucky, following disclosures are missing from loan file. x.Fair Housing Notice x.Homeownership Protection Center Disclosures x.Notice of Free Choice of Agent or Insurer |
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| 3496094 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. | ||
| 3496094 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Kentucky | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service Providers is missing from loan file. | ||
| 72495414 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file. | ||
| 72495414 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Services Providers is missing from the loan file. | ||
| 72495414 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Disclosure is missing from the loan file. | ||
| 72495414 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located at FL State. The following state disclosures are missing from the loan files. ·Anti-Coercion Notice ·Title Insurance Disclosure ·Radon Gas Disclosure ·Insurance Sales Disclosure. |
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| 72495414 | xx | xx | xx | aa5d08d8-c45c-44bd-90e9-756b8134eb6c | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Prepayment Rider Missing (Lvl 2) | The subject loan has prepayment provision and the Prepayment rider is attached with Note but Prepayment rider is not attached with the recorded copy of Mortgage. | ||
| 72495414 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Credit | Credit | Active | 3: Curable | * Lost Note Affidavit (Lvl 3) | Original note is damaged / lost, and lost note affidavit found in the loan file at locator " xx". However a duplicate copy available in loan files. | ||
| 72495414 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. | ||
| 72495414 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is required for ARM loan; however document is missing from loan file. | ||
| 72495414 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Credit | DTI | Active | 2: Acceptable with Warnings | * DTI > 60% (Lvl 2) | As per final application dated xx/xx/xxxx, the borrower monthly income is $x,xxx.xx and monthly expenses are given in the amount of $x,xxx.xx. Hence the DTI ratio became xx%, which is greater than xx%. | ||
| 6013968 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | TILA finance charge test and TILA foreclosure rescission finance charge test. Loan Data: $xxx,xxx.xx Comparison Data $xxx,xxx.xx Variance -$xxx,xxx.xx This loan failed the TILA APR test: Loan Data: x.xxx% Comparison Data xx.xxx% Variance -x.xxx% |
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| 6013968 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed TILA Finance Charge Test, TILA Foreclosure Rescission Finance Charge Test, and TILA APR Test. | ||
| 6013968 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required affiliated business disclosure is missing from the loan file. | ||
| 6013968 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | Loan Program disclosure is missing from the loan file. | ||
| 6013968 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service providers disclosure is missing from the loan file. | ||
| 86880494 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Disclosure is missing from the loan file. | ||
| 86880494 | xx | xx | xx | 6dd06481-87c0-4254-8a00-d3f77c9b73b6 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * GSE Points and Fees Test Violations (Lvl 2) | This loan is NOT failing predatory lending laws. It only exceeds the GSE points and fees test:- On the GSE fee violations, these loans are NOT failing Federal, State, or local predatory lending laws. There is no assignee liability since they did not exceed those thresholds. | ||
| 86880494 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Good Faith Estimate missing or unexecuted (Lvl 2) | Final Good Faith Estimate is missing from the loan file. | ||
| 86880494 | xx | xx | xx | 6d175d99-f2e3-4d75-80a0-682f8b85b1ea | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Truth in Lending Disclosure is Missing (Lvl 2) | Initial Truth in Lending is missing from the loan file. | ||
| 86880494 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in Florida State. The following required state disclosures are missing from the loan file. x.Anti-Coercion Notice x.Title Insurance Disclosure x.Radon Gas Disclosure x.Insurance Sales Disclosure |
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| 86880494 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | Loan Origination Fee Test: FAIL $x,xxx.xx $x,xxx.xx +$xx.xx. This loan failed the loan origination fee test. (VA Pamphlet xx-x, Chapter x.xx) The loan charges the veteran a loan origination fee and/or unauthorized fees, the total of which exceeds x% of the loan amount, or x% of the unpaid principal balance if the loan is an Interest Rate Reduction Refinance Loan (IRRRL). In addition to certain itemized fees and charges designated by VA guidelines, the lender may charge the veteran a flat charge not to exceed x%. The lender's maximum allowable flat charge of x% is intended to cover all of the lender's costs and services which are not reimbursable as "itemized fees and charges." The seller, lender, or any other party may pay fees and charges, including discount points, on behalf of the borrower. VA regulations limit charges "made against or paid by" the borrower. They do not limit the payment of fees and charges by other parties. |
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| 86880494 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. | ||
| 86880494 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. | ||
| 86880494 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Application is missing from the loan file. | ||
| 86880494 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service Providers is missing from the loan file. | ||
| 86880494 | xx | xx | xx | e99b279c-a3fe-4039-91dc-3f33c0f684d9 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Good Faith Estimate is Missing (Lvl 2) | Initial Good Faith Estimate is missing from the loan file. | ||
| 28247610 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Disclosure Document is missing from the loan file. | ||
| 28247610 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. | ||
| 28247610 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * TIL not hand dated (Lvl 2) | Final TIL is not hand dated by the borrower. | ||
| 28247610 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service Provider Disclosure is missing from the loan file. | ||
| 28247610 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in MD state and the required State disclosures are missing from the loan file as follow. Affidavit of Consideration Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure Balloon Payment No Escrow Account Mandatory Binding Arbitration Disclosures |
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| 28247610 | xx | xx | xx | 1f6c3676-b4b0-4136-bef6-b30acc9cfa6f | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Not all borrowers signed TIL (Lvl 2) | Final TIL is not signed by the borrower. | ||
| 28247610 | xx | xx | xx | 25ae39cc-e6e1-464d-8b88-7157fdc0dda0 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * ROR not hand dated by borrower(s) (Lvl 2) | ROR is not hand dated by borrower. | ||
| 63407244 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 63407244 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | The operative index value is unable to be determined from the available loan file. | ||
| 63407244 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. | ||
| 63407244 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in NY state. The following state disclosures is missing from the loan file. NY Consumer Credit Disclosure / Fair Credit Reporting Notice NY Interest Rate Disclosure NY Hazard Insurance Disclosure Tax Escrow Account Designation Mortgage Bankers and Exempt Organizations Preapplication Part xx Disclosure Alternative Mortgage Transaction Disclosures Co-Signer Notice Requirements Default Warning Notice Smoke Alarm Affidavit New York Real Property Escrow Account Disclosure Subprime Home Loan Counseling Disclosure Subprime Home Loan Tax and Insurance Payment Disclosure Subprime Home Loan Disclosure Commitment Disclosure Lock-in Disclosure Expiration of Lock-in or Commitment Period |
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| 63407244 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. | ||
| 63407244 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final Application is missing from the loan file. | ||
| 63407244 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service Providers Disclosures is missing from the loan file. | ||
| 63407244 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The notice of servicing transfer disclosure is missing from the loan file. | ||
| 63407244 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x along with itemization and estimated HUD-x are missing from the loan file. | ||
| 63407244 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. | ||
| 63407244 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan file. | ||
| 27183404 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | Right of Rescission is missing from the loan file. | ||
| 27183404 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Alabama | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer Document is missing from the loan file. | ||
| 27183404 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow acct disclosure is missing from the loan file. | ||
| 27183404 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Alabama | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal is missing from the loan file. | ||
| 27183404 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Alabama | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final application is missing from the loan file. | ||
| 27183404 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Alabama | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x/settlement statement along with estimated HUD-x / itemization of fees are missing from the loan file. | ||
| 27183404 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | Non-QM | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service providers disclosure is missing from the loan file. | ||
| 27183404 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Alabama | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Form is missing from the loan file. | ||
| 8426018 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | CE risk indicator is "Elevated" as the subject loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $x,xxx.xx and total expenses are in the amount of $x,xxx.xx per AUS (Locator#xx) and the loan was underwritten by AUS & it's recommendation is "Approve/Eligible." Qualified Mortgage DTI Threshold Finding: YES Charged: xx.xxx% Allowed: xx.xxx% Over By: +x.xxx% The tape data shows, property was impacted by hurricane in Sept xxxx and as borrower was eligible for loan forbearance program. The borrower initially selected a xx-day forbearance (no payment in Oct-Dec). He has now elected to go on a payment program that will have hit caught up in April. While the loan has been insured by VA, it is not eligible for inclusion into a Ginnie Mae pool in its current forbearance status. |
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| 8426018 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-TRID | QC Complete | North Carolina | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | MI Certificate is missing from the loan file as the loan is VA. | ||
| 88310795 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-Trid | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | The subject loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $x,xxx.xx and total expenses are in the amount of $x,xxx.xx per AUS (Locator:xx) and the loan was underwritten by AUS & AUS recommendation is "Approve/Eligible." That means this loan is eligible for delivery to Fannie Mae and qualifies as Safe Harbor. | ||
| 88310795 | xx | xx | xx | b8232690-2186-42c9-9c73-7f6ab8e265de | xx | xx | xx | QM-Trid | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Higher Price Mortgage Loan (Lvl 2) | This loan failed the higher-priced mortgage loan test as using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z and the subject loan is escrowed one. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in xx CFR §xxxx.xx, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Higher-Priced Mortgage Loan Test: FAIL Charged: x.xxx% Allowed: x.xxx% Over by: +x.xxx% |
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| 88310795 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM-Trid | QC Complete | Texas | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | MI Certificate is missing from the loan file as the loan is FHA. | ||
| 88310795 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-Trid | QC Complete | Texas | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | x. Missing valid COC for a fee increase on LE dated xx/xx/xxxx. LE dated xx/xx/xxxx reflects a Points - Loan Discount Fee of $x.xx, however, LE dated xx/xx/xxxx reflects the Points - Loan Discount Fee $x,xxx.xx. This is a fee increase of $x,xxx.xx for a Non-Shoppable Fee which exceeds the x% tolerance for Non-Shoppable Fees. x. TRID fee violation for $xxx.xx due to total fees increase which greater than a xx% increase in “creditor's provider fees” in Section B for a Notary Fee ($xxx.xx ); Abstract/Title Search Fee of $xx.xx; Title Tax Cert Fee of $xx.xx and Title Document Preparation Fee ($xxx.xx) Valid COC required to clear violation. |
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| 88310795 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-Trid | QC Complete | Texas | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Exceptions Test Failed (Lvl 2) | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (x.xxx%) is exceeded APOR (x.xxx%) by x.xxx%. The APR threshold is x.xxx% and the subject loan is escrowed one. Qualified Mortgage Safe Harbor Threshold: FAIL Charged: x.xxx% Allowed: x.xxx% Over by: +x.xxx% |
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| 14077771 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of Servicing Transfer disclosure is missing from the loan file. | ||
| 14077771 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in Louisiana , LA state required disclosure all are missing from the loan file. x) Impound Account Disclosure x) Cosigner Notice x ) Private Mortgage Insurance Disclosure x) Hazard Insurance Disclosure x) Insurer Recommendation Disclosure x) Anti-Tying Disclosure x) Privacy Notice x) Notice of Right to Copy of Appraisal x) Application for Credit-Married Persons xx) Fair Debt Collection Notice xx) Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application |
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| 14077771 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. | ||
| 14077771 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | * Settlement date is different from note date (Lvl 2) | As per Final HUD-x, settlement date is xx/xx/xxxx however, note date is xx/xx/xxxx. | ||
| 14077771 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. | ||
| 14077771 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | California | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final xxxx is missing from the loan file. | ||
| 14077771 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file. | ||
| 14077771 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow account disclosure is missing from the loan file. | ||
| 14077771 | xx | xx | xx | 08f7f0be-f4cf-4d4e-8244-193c7542c212 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issues | Active | 3: Curable | * Not all borrowers signed HUD (Lvl 3) | Unexecuted copy of Final HUD-x is available in the loan file. The same HUD-x is considered to test the CE report. | ||
| 14077771 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | The final HUD-x is available in the loan file located at (xx - HUD x).There is a fee of $xxx.xx mentioned on the HUD-x and it was expected to be mentioned on the addendum to HUD-x (xrd page). However, the addendum (xrd page) is missing from the available copy of HUD-x." | ||
| 39168964 | xx | xx | xx | 3b4f1cc3-77e8-45b7-82ba-40e9cfa8205c | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Good Faith Estimate missing or unexecuted (Lvl 2) | The final GFE is missing in the loan file. | ||
| 39168964 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in Maryland State. The following required state disclosures are missing from the loan file. x.Affidavit of Consideration x.Affidavit of Disbursement x.First Time Buyers Affidavit x.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure x.Balloon Payment x.No Escrow Account x.Mandatory Binding Arbitration Disclosures x.Home Buyer Education and Counseling Disclosure |
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| 39168964 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The List of Service Provider Disclosure is missing from the loan file. | ||
| 61323797 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The list of service providers disclosure is missing from the loan file. | ||
| 61323797 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in Florida State. The following state disclosures are missing from the loan file. x.Anti-Coercion Notice. x.Title Insurance Disclosure. x.Radon Gas Disclosure. x.Insurance Sales Disclosure. |
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| 61323797 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test. The finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate because it is understated by more than $xxx. This loan failed the TILA APR test. The annual percentage rate (APR) is x.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. |
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| 61323797 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA finance charge test. This loan failed the TILA APR test. |
||
| 61323797 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Florida | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The Affiliated business disclosure is missing from the loan file. | ||
| 28115137 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. | ||
| 28115137 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Account Disclosure is missing from the loan file. | ||
| 28115137 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service Provider Disclosure is missing from the loan file. | ||
| 28115137 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | Operative index numerical value is unavailable as the supportive documents such as Loan program disclosure/Rate lock agreement/Closing instruction are missing from the loan file. | ||
| 28115137 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | The Final Truth In Lending Disclosure is missing from the loan file. | ||
| 28115137 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | The Final HUD-x along with estimated HUD-x and itemization are missing from the loan file. | ||
| 28115137 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. | ||
| 28115137 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report at the time of origination is missing from the loan file. | ||
| 28115137 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in the Massachusetts state. The following state disclosures are missing from the loan file: x.Lead-Based Paint Disclosure x.Mortgage Loan Application Disclosure x.Carbon Monoxide Alarms x.MA Smoke Detector Certificate x.Notice of the Specific Reason for Denial of Credit x.Demonstration and Documentation of Compliance with Borrower’s Interest Requirement |
||
| 28115137 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final Application is missing from the loan file. | ||
| 28115137 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing Transfer Disclosure is missing from the loan file. | ||
| 54607106 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Washington D.C. | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. | ||
| 54607106 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Washington D.C. | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required affiliated business disclosure is missing from the loan file. | ||
| 54607106 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Washington D.C. | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | Following state disclosures are missing from the loan file. DC Insurance Notice Domestic Partner Disclosure |
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| 54607106 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Washington D.C. | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of service transfer disclosure is missing from the loan file. | ||
| 54607106 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Washington D.C. | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service providers is missing from the loan file. | ||
| 75428374 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Delaware | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final application is missing from the loan file. | ||
| 75428374 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | Non-QM | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of Service providers disclosure is missing from the loan file. | ||
| 75428374 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from loan file. | ||
| 75428374 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Delaware | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 75428374 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | ComplianceEase risk indicator is Moderate due to loan failed the TILA APR test. | ||
| 75428374 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Delaware | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test. Loan data is x.xxx%, comparison data is x.xxx% and variance is -x.xxx%. | ||
| 85548240 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of service transfer disclosure is missing from the loan file. | ||
| 85548240 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required affiliated business disclosure is missing from the loan file. | ||
| 85548240 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | Following state disclosures are missing from the loan file Waiver of Borrowers Rights and Closing Attorney Affidavit (not required by law but provided as a matter of custom) Disclosure of Additional Fees |
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| 85548240 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow account disclosure is missing from the loan. | ||
| 85548240 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Georgia | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service providers is missing from the loan file. | ||
| 55101209 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The list of service provider document is missing from the loan file. | ||
| 55101209 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The required affiliated business disclosure is missing from the loan file. | ||
| 55101209 | xx | xx | xx | 140f46bf-c52f-473f-8d76-08a0744ba53f | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | DTI | Active | 2: Acceptable with Warnings | * DTI > 60% (Lvl 2) | As per the final application, the total monthly expenses are $xxxx.xx and total monthly income is $x,xxx.xx. However, the DTI exceeds xx%. | ||
| 55101209 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | The loan is a FHA loan. However, the MI certificate is required but missing from the loan file. | ||
| 55101209 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in Maryland State. The following required state disclosures are missing from the loan file. x.Affidavit of Consideration x.Affidavit of Disbursement x.First Time Buyers Affidavit x.Notice of Right to Select Attorney, Title Insurance Company and Settlement Agent Disclosure x.Balloon Payment x.No Escrow Account x.Mandatory Binding Arbitration Disclosures x.Home Buyer Education and Counseling Disclosure |
||
| 90304071 | xx | xx | xx | bec64182-c833-4d46-b219-f92e4dbddf86 | xx | xx | xx | Non-QM | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial Escrow Acct Disclosure is missing from the loan file. | ||
| 90304071 | xx | xx | xx | 9cb13d5f-913f-4b9c-833a-2cd5cb97bb93 | xx | xx | xx | Non-QM | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service provider is missing from the loan file. | ||
| 90304071 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Compliance Ease risk indicator is being failed for TILA Foreclosure Rescission Finance Charge Test. TILA Foreclosure Rescission Finance Charge Test is fail. Loan data is$xxx,xxx.xx and comparison data is $xxx,xxx.xx. Hence, the variance is -$xx.xx. |
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| 90304071 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Nevada | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $xxx,xxx.xx. The disclosed finance charge of $xxx,xxx.xx is not considered accurate for purposes of rescission because it is understated by more than $xx. |
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| 90304071 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Nevada | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final xxxx is missing from the loan file. | ||
| 37565687 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 37565687 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing from the loan file. | ||
| 37565687 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business form is missing from the loan file. | ||
| 37565687 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. | ||
| 37565687 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer document is missing from the loan file. | ||
| 37565687 | xx | xx | xx | e771f51b-ccfc-4035-9f6b-a3288820555c | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Mortgage missing / unexecuted (Lvl 2) | The subject mortgage originated on xx/xx/xxxx with the loan amount as $xx ,however the mortgage recorded on xx/xx/xxxx showing the incorrect loan amount as $xx. | ||
| 37565687 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | final HUD-x along with estimated HUD and Itemization are missing from the loan file. | ||
| 37565687 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final xxxx/Application is missing from the loan file. | ||
| 62312001 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | The operative index value is unable to be determined since the supporting documents are missing from the loan file. | ||
| 62312001 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | The list of service providers disclosure is missing from the loan file. | ||
| 62312001 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. The loan does charge fee(s) not provided for in this act, which is prohibited. A person licensed as a mortgage broker shall have the right to charge only the following fees: (x) application fee; and (x)discount points which may be labeled as an origination fee. |
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| 62312001 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | The Affiliated Business disclosure is missing from the loan file. | ||
| 62312001 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. | ||
| 62312001 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | The subject property is located in the state of New Jersey. The following state disclosures are missing from the loan file. x. NJ Application Disclosure. x. Delivery Fee Authorization. x. NJ Attorney Disclosure. x. Unacceptability of Insurance Notice. x. Attorney Disclosure II. x. Tax Bill Information. x. Private Well Testing. x. Lock-In Agreement. x. Commitment Disclosures. xx. Choice of Insurer Disclosure. xx. Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application. |
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| 62312001 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | The loan program disclosure is missing from the loan file. | ||
| 62312001 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | The Servicing Transfer disclosure is missing from the loan file. | ||
| 49618820 | xx | xx | xx | 89913716-4c3d-4ad4-a3ef-a72950b08e98 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Loan program disclosure missing or unexecuted (Lvl 2) | Loan program disclosure is missing from the loan file. | ||
| 49618820 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing from the loan file. | ||
| 49618820 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing from the loan file. | ||
| 49618820 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report at the time of origination is missing from the loan file. | ||
| 49618820 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final xxxx is missing in the loan file. | ||
| 49618820 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Required affiliated business disclosure is missing from the loan file. | ||
| 49618820 | xx | xx | xx | 3e7649ea-d4a6-431b-bedf-93e8df994bff | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required Disclosures (Lvl 2) | List of service provides is missing from the loan file | ||
| 49618820 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | Following state disclosures are missing from the loan file: IL Collateral Protection Insurance Notice Civil Union/Domestic Partnership Addendum to Uniform Residential Loan Application |
||
| 49618820 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | LTV is xx% which is greater than xx% hence MI certificate is required; however, it is missing from the loan file. | ||
| 49618820 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | Operative index value is unable to confirm. | ||
| 49618820 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Notice of service transfer disclosure is missing from the loan file. | ||
| 49618820 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final HUD-x is missing from the loan file. Also, there is no estimated HUD-x or itemization available in the loan file. | ||
| 96912015 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing Transfer disclosure is missing from the loan file. | ||
| 96912015 | xx | xx | xx | 6d175d99-f2e3-4d75-80a0-682f8b85b1ea | xx | xx | xx | QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Truth in Lending Disclosure is Missing (Lvl 2) | Initial TIL is missing from the loan file. | ||
| 96912015 | xx | xx | xx | 1572c798-5472-43ad-ba76-74aaee0b84e4 | xx | xx | xx | QM | QC Complete | Illinois | xx | Compliance | NPL | Active | 2: Acceptable with Warnings | * Homeowner's Counseling disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from the loan file. | ||
| 96912015 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | MI certificate is missing from the loan file. | ||
| 96912015 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | CE risk indicator is "Elevated" as this loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule as the loan is failed for QM safe Harbor threshold test as APR (x.xxx%) is exceeded APOR (x.xxx%) by x.xxx%. The APR threshold is x.xxx% and the subject loan is escrowed one. Qualified Mortgage Safe Harbor Threshold: FAIL Charged: x.xxx% Allowed: x.xxx% Over by: +x.xxx% |
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| 96912015 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM | QC Complete | Illinois | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated Business Disclosure is missing from the loan file. | ||
| 96912015 | xx | xx | xx | 5fb7fe54-3138-4619-bc5b-74ec97254551 | xx | xx | xx | QM | QC Complete | Illinois | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 2) | Initial escrow Account disclosure is missing from the loan file. | ||
| 29669339 | xx | xx | xx | e7610e7c-f8b8-45b0-b459-1caab9516f7b | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Missing Required State Disclosures (Lvl 2) | Below state disclosure is missing from the loan file. Reciprocal Beneficiary/ Civil Union Addendum to Uniform Residential Loan Application. |
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| 29669339 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal at origination is missing from the loan file. | ||
| 29669339 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final xxxx is missing from the loan file. | ||
| 29669339 | xx | xx | xx | c0aa4bc0-cd81-454c-9a74-9e258cdcde26 | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 3: Curable | * Missing Initial LE (Lvl 3) | Initial LE is missing from the loan file. Unable to test CE. | ||
| 29669339 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 4: Unacceptable | * HUD-1 Closing Statement missing or unsigned (Lvl 4) | Final CD is missing from the loan file. Unable to test CE. | ||
| 29669339 | xx | xx | xx | d1561be4-6541-483e-8b80-c861989a61eb | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Required Affiliated Business Disclosure missing/unexecuted (Lvl 2) | Affiliated business disclosure is missing from the loan file. | ||
| 29669339 | xx | xx | xx | 38b539f3-61c7-478e-954b-c415efe7a3f3 | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Homeownership Counselling Disclosure is missing. (Lvl 2) | Homeownership counseling disclosure is missing from the loan file. | ||
| 29669339 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-TRID | QC Complete | Hawaii | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure is missing from the loan file. | ||
| 68785468 | xx | xx | xx | 10663510-5c65-4302-915b-a49e892ae485 | xx | xx | xx | QM-Trid | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Qualified Mortgage DTI exceeds 43% (Lvl 2) | The subject loan failed the qualified mortgage DTI threshold test as this loan has a qualified mortgage DTI of xx% as the Borrower income was $xxxx.xx and total expenses are in the amount of $xxxx.xx per AUS (L.P) "xx"and the loan was underwritten by AUS & AUS recommendation is "Accept". | ||
| 68785468 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | QM-Trid | QC Complete | Washington | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | * Settlement date is different from note date (Lvl 2) | Updated settlement date as xx/xx/xxxx as per the CD which is different from the note date xx/xx/xxxx. | ||
| 68785468 | xx | xx | xx | 38bdd430-f8c1-420d-bc1d-da24093af489 | xx | xx | xx | QM-Trid | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase TRID Tolerance Test Failed (Lvl 3) | TRID Violation due to a Lender Credit Decrease on CD dated xx/xx/xxxx. LE dated xx/xx/xxxx reflects a Non-Specific Lender Credit of $xxx, however, Initial CD dated xx/xx/xxxx reflects the Non-Specific Lender Credit at $x.xx. This is a Lender Credit decrease of $xxx which is considered a Zero Tolerance amount. | ||
| 68785468 | xx | xx | xx | 1914f248-79e8-48ad-914c-d5ebf2be1454 | xx | xx | xx | QM-Trid | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Exceptions Test Failed (Lvl 3) | Compliance fails for Charges That Cannot Increase Test: loan data is $xx.xx, comparison data is $x.xx and variance is +$xx.xx. | ||
| 68785468 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | QM-Trid | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | * ComplianceEase Risk Indicator is "Moderate" (Lvl 3) | Compliance fails for Qualified Mortgage DTI Threshold Test: loan data is xx%, comparison data is xx.xx% and variance is +x.xxx%. | ||
| 68785468 | xx | xx | xx | c6ddfaea-8a6a-47ee-a347-48d54643a435 | xx | xx | xx | QM-Trid | QC Complete | Washington | xx | Compliance | Compliance | Active | 3: Curable | * The COC is missing (Lvl 3) | TRID Violation due to a fee addition on Revised CD dated xx/xx/xxxx. LE dated xx/xx/xxxx reflects a Loan Discount Fee of $xxx, however, Revised CD dated xx/xx/xxxx reflects a Loan Discount Fee of $xxx. This is a fee increase of $xx.xx for a Non-Shoppable Fee which exceeds the x% tolerance for Non-Shoppable Fees. | ||
| 68785468 | xx | xx | xx | 19abd04d-e9fc-4fd6-b82c-f953835303f0 | xx | xx | xx | QM-Trid | QC Complete | Washington | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Notice of Servicing Transfer missing or unexecuted (Lvl 2) | Servicing transfer disclosure to the Borrower(s) on LE dated xx/xx/xxxx discloses the loan will not be transferred and the originator will service the loan. | ||
| 68785468 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | QM-Trid | QC Complete | Washington | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | Compliance fails for TILA Right of Rescission Test. The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by xx CFR §xxxx.xx or §xxxx.xx, or delivery of all material disclosures, whichever occurs last. Subject loan is a refinance, originated on xx/xx/xxxx and the SOL is x years expired. |
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| 87787303 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Michigan | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | MI certificate is missing in the loan file. | ||
| 87133942 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Massachusetts | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | Operative index value is unable to determine from loan files. | ||
| 49197531 | xx | xx | xx | c23a2eb9-a8db-4d55-a62b-42585231fc2c | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Date after actual transaction date (Lvl 2) | The note is dated xx/xx/xxxx, application is dated xx/xx/xxxx, Hud is dated xx/xx/xxxx and the TIL is dated as xx/xx/xxxx considered the dates provided in the Documents. | ||
| 49197531 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. | ||
| 49197531 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. Loan data is $xxx.xx, allowed is $x.xx, hence variance is +$xxx.xx. The loan does charge fee(s) not provided for in this act, which is prohibited. A person licensed as a mortgage broker shall have the right to charge only the following fees: (x) application fee; and (x) discount points which may be labeled as an origination fee. |
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| 49197531 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | * Settlement date is different from note date (Lvl 2) | The original note is dated xx/xx/xxxx and the Hud settlement date is xx/xx/xxxx and disbursement date is xx/xx/xxxx, considered as per the document. | ||
| 67647045 | xx | xx | xx | 114577c5-1e49-4a93-b506-e609711f1cef | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Elevated" (Lvl 2) | This loan failed the predatory lending guidance test due to one or more of the following findings: The loan failed the points and fees test. GSE (Freddie Mac public guidelines) Points and Fees Test: FAIL Loan Data $x,xxx.xx Comparison Data $x,xxx.xx Variance+$xxx.xx |
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| 92079167 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-Qm | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final xxxx application is missing from the loan file. | ||
| 75677009 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test: loan data is x.xxx% comparison data is x.xxx% hence variance is -x.xxx%. Final TIL is missing from loan file, hence APR considered as x.xx%. |
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| 75677009 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final loan application along with xxxx transmittal summary is missing in the loan file. | ||
| 75677009 | xx | xx | xx | a0d5a3be-496f-41d6-a958-ce4e3ccae8fe | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative index value is unable to confirm (Lvl 2) | An operative index value is unable to determine from the loan file. | ||
| 75677009 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL document is missing in the loan file. Per seller confirmation dated xx/xx/xxxx this document is not available with them. |
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| 75677009 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Maryland | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA APR test and the ARM rate adjustment cap test. | ||
| 62952637 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Michigan | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing in the loan file. | ||
| 62952637 | xx | xx | xx | 7709325a-27a3-41ef-8dbd-dbc188f4628c | xx | xx | xx | Non-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Right of Rescission missing or unexecuted (Lvl 2) | ROR is missing in the loan file. | ||
| 62952637 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Michigan | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIL is missing in the loan file. | ||
| 62952637 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | Michigan | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | HUDx is missing in the loan file. Estimated HUDx and itemization also not found in the file. | ||
| 62952637 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Michigan | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final xxxx is missing in the loan file. | ||
| 61490645 | xx | xx | xx | 474aa7dc-7077-446e-be64-4ef068a7be5a | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Missing credit report (Lvl 2) | Credit report is missing from the loan documents. | ||
| 21782867 | xx | xx | xx | 40732d41-ff63-42f7-90be-34db1148c008 | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * Operative Index Numerical Value Unavailable based on lender docs (Lvl 2) | The Operative Index value is not available from the loan files. | ||
| 21782867 | xx | xx | xx | d37b6b0d-52a6-40cb-8ba6-8980e85842cd | xx | xx | xx | Non-QM | QC Complete | California | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * ROR Transaction date not consistent with Note and/or HUD (Lvl 2) | As per ROR, transaction date is xx/xx/xxxx which is not aligned with the note date xx/xx/xxxx and also as per HUD-x. | ||
| 90104340 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | The final xxxx is missing from the loan file. | ||
| 90104340 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | Risk indicator is Moderate because This loan failed the TILA APR test. TIL is missing from the loan file, hence APR is updated as x% to test compliance. |
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| 90104340 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA APR test. ( xx CFR §xxxx.xx(a)(x), (x) , transferred from xx CFR §xxx.xx(a)(x), (x) ) The annual percentage rate (APR) is xx.xxx%. The disclosed APR of x.xxx% is not considered accurate because it is more than x/x of x percentage point above or below the APR as determined in accordance with the actuarial method. TIL is missing from the loan file, hence APR is updated as x% to test compliance. |
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| 90104340 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | TIL is missing from the loan file. | ||
| 90104340 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | Pennsylvania | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal is missing from the loan file. | ||
| 83901685 | xx | xx | xx | c7478320-5532-4499-9e75-67c2535004af | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Compliance | Doc Issues | Active | 2: Acceptable with Warnings | * Settlement date is different from note date (Lvl 2) | Settlement date as per final HUDx is xx/xx/xxxx. However, Original Note date is xx/xx/xxxx. | ||
| 83901685 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Texas | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * MI, FHA or MIC missing and required (Lvl 2) | MI certificate is missing in the loan file. | ||
| 64491980 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | Final xxxx is missing in the loan file. | ||
| 64491980 | xx | xx | xx | 04676c2d-9111-4e5e-859e-db974cdb7b7a | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * Final TIL Missing or Not Executed (Lvl 2) | Final TIl is missing in loan file. | ||
| 64491980 | xx | xx | xx | e17a3838-56de-4fcb-8532-4289ad651a81 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Valuation | Doc Issue | Active | 2: Acceptable with Warnings | * Missing Appraisal (Lvl 2) | Appraisal report is missing in the loan file. | ||
| 64491980 | xx | xx | xx | 0238e091-16ab-4ee0-be60-c9009c789825 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Compliance | Compliance | Active | 3: Curable | * HUD-1 Closing Statement missing or unsigned (Lvl 3) | Final Hud-x is missing in the loan file. Estimated Hud or Itemization also not found in the loan file. | ||
| 64491980 | xx | xx | xx | 4338a740-1f15-426f-91b9-3d27e90910a7 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Credit | Active | 3: Curable | * Lost Note Affidavit (Lvl 3) | A Lost Note Affidavit found in loan file at (xx) which stated that original Note has been lost. | ||
| 64491980 | xx | xx | xx | 8dd91e5f-7c41-4bbc-9605-c6945d322eb3 | xx | xx | xx | Non-QM | QC Complete | New York | xx | Credit | Credit | Active | 3: Curable | * Incorrect Property address on Note Document. (Lvl 3) | Subject Property address mentioned on Note and Warranty Deed is, " xx". However, Subject Property address mentioned on Mortgage, Modification Agreement, Final TPOL, U.Title report is, "xx". Legal Description mentioned on Warranty Deed and Mortgage, TPOL is Same. |
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| 30694972 | xx | xx | xx | d10b76d2-b5a6-4f5b-8bb2-a7c790ec7c54 | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 2: Acceptable with Warnings | * Application Missing (Lvl 2) | The Final Loan Application is missing in loan file, however initial application is available dated xx/xx/xxxx. | ||
| 30694972 | xx | xx | xx | c492e21e-e8d7-428c-bf28-271dbf89562d | xx | xx | xx | Non-QM | QC Complete | Illinois | xx | Credit | Doc Issue | Active | 3: Curable | * MI, FHA or MIC missing and required (Lvl 3) | This is a FHA loan. MI certificate is required however, MI Certificate is missing from the loan file. | ||
| 82042435 | xx | xx | xx | e25f67ba-4cb4-4322-a11c-1cd3b2d578a6 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase TILA Test Failed (Lvl 2) | This loan failed the TILA finance charge test. The finance charge is $xx,xxx.xx. The disclosed finance charge of $xx,xxx.xx is not considered accurate because it is understated by more than $xxx. Loan data is $xxxxx.xx which is comparision with $xxxxx.xx and variance is $xxx.xx This loan failed the TILA foreclosure rescission finance charge test. The finance charge is $xx,xxx.xx. The disclosed finance charge of $xx,xxx.xx is not considered accurate for purposes of rescission because it is understated by more than $xx. This loan failed the TILA right of rescission test. The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by xx CFR §xxxx.xx or §xxxx.xx, or delivery of all material disclosures, whichever occurs last. |
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| 82042435 | xx | xx | xx | 57ebb2cd-7596-4166-9bd9-6f932a9e2595 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Doc Issue | Active | 2: Acceptable with Warnings | * TIL not hand dated (Lvl 2) | TIL is not hand dated by the borrower. | ||
| 82042435 | xx | xx | xx | 6bb8959e-d04b-4210-a40d-4982cb6fe938 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase State Regulations Test Failed (Lvl 2) | This loan failed the New Jersey Mortgage Banker or Correspondent Mortgage Banker License prohibited fees test. | ||
| 82042435 | xx | xx | xx | eb183a39-d7c5-4c18-a647-02593f673df8 | xx | xx | xx | Non-QM | QC Complete | New Jersey | xx | Compliance | Compliance | Active | 2: Acceptable with Warnings | * ComplianceEase Risk Indicator is "Moderate" (Lvl 2) | This loan failed the TILA finance charge test. This loan failed the TILA foreclosure rescission finance charge test. This loan failed the TILA right of rescission test |